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I'm a Board Guide on the Debt-Free Wannabe, Mortgages and Endowments, Banking and Budgeting boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Pease remember, board guides don't read every post. If you spot an illegal or inappropriate post then please report it to [email protected]
I'm really happy with how far I've come. Even got an Emergency Fund. Love seeing it all come down. I know there is going to be roadblocks - nothing is ever straight forward.
April 2020 - £8180
October 2020 - £4350
Debt free date - August 2021 🙏
Diary of paying down debt whilst living abroad:https://forums.moneysavingexpert.com/discussion/6181237/5-000-miles-and-even-more-pounds#latest
*Tesco Credit card - £3604.30* - £1275
*Finance - £581.91 - £0.00
*Dad loan - £5300 - £4100
Total debt *£5375* £11,416.71
Emergency fund - £1000/£2500
Mortgage Overpayment - £30.34/£1000
Facing Reality - My Debt Free Diary
I went overboard from November until now. I genuinely though "f**k it" and boy am I slightly regretting it... I bought things I've wanted for a while but don't actually need. So not wasted so much stuff on food which is probably a bit better? Maybe? Just think I'm trying to tell myself that though. 😂
I've lost my second job for the time-being until they can open back up again so I definately have to take it easy over January. Hopefully with the lockdown announced it'll make it so much easier. Me and my partner are going to be eating more healthily as we got into a habit of getting takeaways each week... and we're not even a takeaway kind of couple - we'd probably have one takeaway every 6 months but we got into some habit of having one each week in the end. Told him we have to hit that on the head. Luckily he agrees. Christmas I spent a little less than usual as me and my partner agreed a £20 limit - rather than us both go OTT and get stuff neither of us will ever use! He went over the £20 budget by a considerable amount but he did get me the Lego set of the International Space Station so I shall be doing that over the lockdown in the evenings.
I'm going to spend the next couple of days looking at my accounts - I mean I'm still over paying them so I'm not worried - but I'd just like them to be at 0 then build up on some savings for once.
Hope you're all okay.
April 2020 - £8180
October 2020 - £4350
Debt free date - August 2021 🙏