We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

It's time to begin.....

17879818384155

Comments

  • 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! 
  • Thats fab news, must feel so so good! Also, plan with your mum sounds like the perfect compromise, time away but not too much!
  • Kakiste
    Kakiste Posts: 1,022 Forumite
    1,000 Posts Third Anniversary Debt-free and Proud! Name Dropper
    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 fund
  • 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 😱 ) 
  • jokono
    jokono Posts: 773 Forumite
    Fourth Anniversary 500 Posts Name Dropper
    I have the papaya one, smells really good! I want to try the other ones but it seems to last forever :smiley:
    01.12.2020 - CC £16,839 / Loan £18,820 / EF £0
    03.07.2023 - CC (0%) £9,859 / Loan £0 / Savings £10,110
  • Oh I got a banana mask from body shop on offer, it smells so good! Self care should smell good!
  • Kakiste
    Kakiste Posts: 1,022 Forumite
    1,000 Posts Third Anniversary Debt-free and Proud! Name Dropper
    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 :smile:

    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 fund
  • 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.

    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php

    The 365 Day 1p Challenge 2025 #1 £667.95/£451.50
    Save £12k in 2025 #1 £12000/£12450
  • 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 🍀
  • jokono
    jokono Posts: 773 Forumite
    Fourth Anniversary 500 Posts Name Dropper
    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 £10,110
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 258.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.