Debt free before August 2023

Poppy1984

savingholmes said:

Congratulations Poppy. You've done so well, sticking with it for so long. Great way to end the year.

Thank you @savingholmes I just can't believe it, it doesn't feel real yet, I think because I won't really feel the benefit financially for a few months because I have borrowed from a few pots to finish my debt which i will now build back up again. Just the thought that it's not hanging over me any more is amazing! Your turn soon! 

savingholmes

Thanks I'm looking forward to when I follow in your footsteps. 

Have a fab Christmas and New Year. Are you planning an MFW journey next or what's the plan? I know you're planning to grow your EF...

Poppy1984

savingholmes said:

Thanks I'm looking forward to when I follow in your footsteps. 

Have a fab Christmas and New Year. Are you planning an MFW journey next or what's the plan? I know you're planning to grow your EF...

Thank you, you too! 

Im planning to sort my pots out for
things that I've dipped into, planning to grow my EF and I want to upgrade the house some point next year. Don't think I'll be joining the MFW I just want to be able to feel relaxed a little around money now it was been a really tough few years. 

Poppy  

savingholmes

Hope you keep posting regardless. I think where I got back into debt in the past is partly I saw it as job done and then slipped back into old ways when outside MSE - that's why I switched track and started a new diary.

FootyFanDan

Poppy1984 said:

I'm DEBT FREEEEEEEE 🎉🎉🎉🎉🎉

Thank you to everyone on this forum for all your support abs advice, I can't believe the day is finally here! 

😁😁😁😁😁😁😁😁😁😁😁😁😁

Poppy

This makes me so happy reading this!! Well done Poppy you should be very proud of how far you have come, I know the last few months have been really tough but what an amazing finish to 2021. I hope you have an amazing Christmas and treat yourself. Rolling into 2022 debt free. 

Poppy1984

savingholmes said:

Hope you keep posting regardless. I think where I got back into debt in the past is partly I saw it as job done and then slipped back into old ways when outside MSE - that's why I switched track and started a new diary.

I will keep posting, I definitely don't want to slip back into old habits, I definitely never ever ever ever want to be in that position again. 

I can't ever go back! 

I plan to stick to my budgets, build my ef and aim for a house upgrade 😊

Poppy1984

FootyFanDan said:

Poppy1984 said:

I'm DEBT FREEEEEEEE 🎉🎉🎉🎉🎉

Thank you to everyone on this forum for all your support abs advice, I can't believe the day is finally here! 

😁😁😁😁😁😁😁😁😁😁😁😁😁

Poppy

This makes me so happy reading this!! Well done Poppy you should be very proud of how far you have come, I know the last few months have been really tough but what an amazing finish to 2021. I hope you have an amazing Christmas and treat yourself. Rolling into 2022 debt free. 

Thank you @FootyFanDan I am super chuffed!! I can't believe it's finally here, and I'm free from the huge debt hanginh over me. Thank you, you too 😊 Merry Christmas 

Poppy1984

Happy New Year everyone 
I can't believe I am starting 2022 debt free I am so pleased about that! Originally I was going to have the debt until 2024
then I managed to jig things about about and get a lower interest loan and bring the date to August 2023 hence the title of this diary. So to bring it forward all the way to December 2021 I am just delighted! 

I kind of want to make some financial goals for myself now, to keep me on track with everything. Going to have a think of what will be the best way to go about it. 

Definitely want to be sensible and not go down the route of taking out any loans or credit cards but also want to be a little less strict in the budgeting department than I've had to be for the last almost 4 years. So it's just finding that balance. 

Poppy

FootyFanDan

Happy New Year Poppy, rolling into 2022 debt free whoop whoop. Well done on an amazing achievement last year. I have really struggled to find balance from being ultra-strict to not caring within a month of been out of debt (oops), but this year I am determined to put good solid foundations in place. Here is to 2022.

Poppy1984

FootyFanDan said:

Happy New Year Poppy, rolling into 2022 debt free whoop whoop. Well done on an amazing achievement last year. I have really struggled to find balance from being ultra-strict to not caring within a month of been out of debt (oops), but this year I am determined to put good solid foundations in place. Here is to 2022.

Thanks @FootyFanDan Dan I'm so happy to be debt free😁

It's really really tricky finding the balance isn't it? I feel a little nervous if I'm honest. I had gotten a little lazy with my spending tracker in the last few months because I was so strict I barely spent anything on anything other than essentials and debt repayments so didn't really need to track. I think I'll go back to using the spending tracker and recording everything for a while until I feel comfortable with my new budget. 

Any tips? 

Poppy