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Comments
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Wow amazing news about your payment and you are so close to being debt free! I have read your diary for a while and I am
in awe of how well you have done with the debt repayment!2 -
Thats fab news, must feel so so good! Also, plan with your mum sounds like the perfect compromise, time away but not too much!2
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Spent £5 of my monthly £25 'wants' money on a Garnier banana hair mask, my hair smells amazing right now!Bottom line;
£49k paid off
Car HP paid off
Debt Free!
Saved Escape fund and moved out.
Current focus; saving Emergency fund3 -
The hair mask sounds lovely, I’ll have to give it a go when I’ve used up my current one. I bought the Aldi Coconut & Fig hair mask just before Christmas which smells nice and makes my hair feel really swishy (it’s one of their big brand knock offs - supposedly a dupe for Coco&Eve’s £37 hair mask 😱 )0
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I have the papaya one, smells really good! I want to try the other ones but it seems to last forever
01.12.2020 - CC £16,839 / Loan £18,820 / EF £0
03.07.2023 - CC (0%) £9,859 / Loan £0 / Savings £10,1101 -
Oh I got a banana mask from body shop on offer, it smells so good! Self care should smell good!2
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So the credit card has also come through, they've paid £1,495 off my remaining credit card balance which leaves me with only £68 owing on that.
Going to speak to stepchange about the F&F on Monday. Very happy
Debt is now just over £7k and I have £6.5k in my other bank.Bottom line;
£49k paid off
Car HP paid off
Debt Free!
Saved Escape fund and moved out.
Current focus; saving Emergency fund4 -
Well done. You are so close to having all this debt gone. Great result on the credit card payoff.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment 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.
Save £12k in 2026 Challenge £12000/£12,000
365 day 1p Challenge 2026 £667.95/£700
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php2 -
Bit of a long time lurker delurking to say how pleased I am that this money has come through for you. Good luck with your future plans now that this debt is no longer hanging over you 🍀
Debt Busting Again in 2026
Starting Debt 03.05.26 £5345. Total 29.10.26 £2650
Challenge 1 - Clear M&S Card: Starting Balance 03.05.26 £600, cleared 05.07.26
Challenge 2 - Clear V12 Finance: Starting Balance 05.07.26 £600, cleared 12.08.26
Challenge 3 - Clear Barclaycard: Starting Balance 12.08.26 £940, cleared 29.10.26
Challenge 4 - Clear Tesco CC: Starting Balance 29.10.26 £2650
3 -
Being debt free is so close now ⭐️
I can't remember if you said, he doesn't know about the refunds, does he?01.12.2020 - CC £16,839 / Loan £18,820 / EF £0
03.07.2023 - CC (0%) £9,859 / Loan £0 / Savings £10,1102
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