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A return to MSE with a DMP so I can be debt free

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  • pencakes26
    pencakes26 Posts: 389 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Parkyp said:
    What a great achievement, your success will give many readers hope that debt can cleared and there is light at the end of what seems a very dark tunnel. 
    Thank you. If there’s anything good to come from the experience I hope it’s that. It’s not an easy one, but time and dedication has got me so far. Support from Step Change literally changed my life and kicked it all off so I will forever be grateful to them. 
    Total: £50,676 £0 🥳 The journey to debt freedom
  • pencakes26
    pencakes26 Posts: 389 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    edited 29 August 2022 at 10:11AM
    Happy Friday, folks. I am very much looking forward to the weekend. Work has been very busy and I have been interviewing for another job so feel like I have used up all my brain power 😂 

    My penultimate DMP payment cleared yesterday so I've updated my sig. Just one more payment of £794 to go! 

    From June I will only have the family loan to pay off and I'm going to take that nice and steady so I can breathe a little better. My DMP has taken such a big chunk of my monthly wage for nearly three years so I am very happy to be able to live a little more normally soon. Might even try and book a holiday for later on in the year as a celebration! 
    Total: £50,676 £0 🥳 The journey to debt freedom
  • pencakes26
    pencakes26 Posts: 389 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Good Friday and a good news day for me. I have been interviewing for a new job and after three (!) interviews I finally got offered it yesterday. An amazing job I really want, plus the pay is great 😊 Location wise I’ll probably have to move but not something to worry about too much yet.

    Exciting times! 
    Total: £50,676 £0 🥳 The journey to debt freedom
  • Lizzybop
    Lizzybop Posts: 165 Forumite
    Part of the Furniture 100 Posts Photogenic Combo Breaker
    I have just read through your whole diary this morning.  And how lovely to come to the great news you have posted today about your new job!  Congratulations, very happy for you.
    And possibly a new home too.

    Exciting times indeed.
    Good Luck

  • pencakes26
    pencakes26 Posts: 389 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Thank you @Lizzybop! I don’t post that often but I try at least once/twice a month when I can :)

    I love this site and people’s diaries, I find it helpful and interesting but also such a supportive place. 
    Total: £50,676 £0 🥳 The journey to debt freedom
  • jokono
    jokono Posts: 766 Forumite
    Fourth Anniversary 500 Posts Name Dropper
    Amazing news, congratulations!! 🎉
    01.12.2020 - CC £16,839 / Loan £18,820 / EF £0
    03.07.2023 - CC (0%) £9,859 / Loan £0 / Savings £10,110
  • Humdinger1
    Humdinger1 Posts: 2,295 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper
    Who-hoo @pencakes26! Looking forward to hearing more love Humdinger xx 
  • pencakes26
    pencakes26 Posts: 389 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    The day I never thought would come has arrived! My DMP is paid off! I am 'officially' debt free. 🎉 All I need to do now is finish paying back my family and then I really will be debt free. I can't quite believe it!!! 🥹
    Total: £50,676 £0 🥳 The journey to debt freedom
  • BlueJ94
    BlueJ94 Posts: 2,798 Ambassador
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    pencakes26 said:
    The day I never thought would come has arrived! My DMP is paid off! I am 'officially' debt free. 🎉 All I need to do now is finish paying back my family and then I really will be debt free. I can't quite believe it!!! 🥹
    Woohoo well done! Congratulations 🎊 
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    Debt owed;

    Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77

  • vampirotoothus
    vampirotoothus Posts: 358 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Congratulations that is a fabulous achievement, well done. V x
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