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Time to start a fresh.

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Comments

  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Morning those who read along.
    Paid all my payments to CC and Loans as soon as I was paid the other day, haven't really done much just work. Yesterday was super tiring as we had to catch up from over the weekend and bank Holiday Monday. I am tired today so work and home maybe an early night. 
     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;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • Parkyp
    Parkyp Posts: 883 Forumite
    Sixth Anniversary 500 Posts Name Dropper
    Morning Jade, you doing fantastic with debt repayments but just don’t let it take over your mind. You’re not your burying you head in the sand your actively taking control. Give yourself some breathing space. 
    Good idea making your lunches saves the temptation of nipping to shops and buying stuff you don’t need. 
    All everyone seems to do it work and walk at the moment lol. I think over the next month or so we’ll all start feeling a bit more normal, if we remember what that is 🤣🤣. 
  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Parkyp said:
    Morning Jade, you doing fantastic with debt repayments but just don’t let it take over your mind. You’re not your burying you head in the sand your actively taking control. Give yourself some breathing space. 
    Good idea making your lunches saves the temptation of nipping to shops and buying stuff you don’t need. 
    All everyone seems to do it work and walk at the moment lol. I think over the next month or so we’ll all start feeling a bit more normal, if we remember what that is 🤣🤣. 
    Thank you! I think I should have marbles paid off by next month fingers crossed! Agreed, I get overwhelmed by being on here all the time and just dissappear for a while.

    I try and take lunches to work as the food can be expensive, plus I'm trying to eat better as I do the couch to 5k 🏃‍♀️

    Haha yes unfortunately that's true! Hopefully "normal" will be soon!

    Thanks for the support 
     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;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    marbles now at £136.28. Should be able to clear this by end of next month
     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;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Cashed out on a £2 survey this morning, sent it to Marbles. I'm determined to pay this marbles off ASAP as my other debts are bigger.
    Just had breakfast and a coffee and now I need to get ready for work. 
     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;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    CC update

    Aqua - £526.36
    Marbles £134
    Fluid - £330.67
    Vanquis - £649.63
    Barclays - £290.03

    Nice to see some of these lowering, after I have cleared Marbles I will tackle Fluid as Barclays hasn't got a payment plan in place yet. Happy with my progress so far! 
     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;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • Parkyp
    Parkyp Posts: 883 Forumite
    Sixth Anniversary 500 Posts Name Dropper
    Yeh you certainly should be pleased with your progress 👏👏
  • FootyFanDan
    FootyFanDan Posts: 1,896 Forumite
    Sixth Anniversary 1,000 Posts Photogenic Name Dropper
    You are doing so well with keeping on top of things. I know how easy it is to let the debt stuff become obsessive but you do seem to have things under control so I think you can certainly afford yourself abit of time out from thinking of the debt. I know this is a lot easier said than done, I have got to a place in my journey where I can spend abit more personal spends but still don't coz I am in the mindset of not spending...I think I need to find that balance...anyways give yourself some credit you are doing fab! :) 
  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Thanks @Parkyp 😊
     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;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
  • BlueJ94
    BlueJ94 Posts: 3,182 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    You are doing so well with keeping on top of things. I know how easy it is to let the debt stuff become obsessive but you do seem to have things under control so I think you can certainly afford yourself abit of time out from thinking of the debt. I know this is a lot easier said than done, I have got to a place in my journey where I can spend abit more personal spends but still don't coz I am in the mindset of not spending...I think I need to find that balance...anyways give yourself some credit you are doing fab! :) 
    Thank you! It’s nice to have some regular support, it’s nice knowing people actually read along. Even if it’s only a couple of people. 
    Yes agreed. Some days I distance myself a little from it all as it becomes a little overwhelming and I think I still have a long way to go. Hence why I started the couch to 5k with my work friend, focuses me more. Also, when I’m not doing the couch to 5k I spend ages after work on Sims 4 on the Xbox :lol:

    Hopefully you’ll find the balance sooner rather than later.

    thank you for the support so far!
     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;

    Admiral - £0/£8000

    DFW Challenges! 

    PAD #
    365 Day 1p Challenge 2026 #8 £31.65
    Pay off all your debts by Christmas 2026! #14 £74.77/£8000
    Make £2026 in 2026! £390.05/£2026

    Savings goal £91.50/£1000
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