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Paid £4 to Marbles so now at £130. I'm 100% sure I can pay this off by the end of the month now
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/£10002 -
Just got back from shopping, managed to get a salad for work tomorrow down from £2 to 43p, a chocolate bar for OH at £1 from £3 and a few other small bits. Not bad
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/£10002 -
Debt as of today.
Marbles £130
Aqua £526.36
Fluid £330.67
Vanquis £649.63
Barclaycard £290.03 payment plan isn’t setup for this.
Likely Loans £1018.16
118 Money £2145.84
Five Lamps £779.01
Im feeling a lot more in control recently, which I’m happy about. Im more motivated to kick this debts bum!
I don’t think I’d of paid it all off by March but hopefully I can be more or less half way then! Im going to see what I can sell etc on eBay and go from there. I’ve learnt aswell that even though i am in debt I don’t need to be harsh on myself 24/7! I can buy something’s I want but don’t really need as long as I budget for it. Also, sim contact ends next month so will be changing to SIM only saving more than £30!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/£10001 -
Morning all that follow along.
Weather today is awful, hoping it clears a bit so I can do my couch to 5k jog later. Not really got a lot going on over the next couple of weeks, just working and coming home. I do have my covid jab on the 19th though.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/£10001 -
Won a free photoshoot for the dog and me aswell as £100 to spend on the day!
Also, paid £5 towards Marbles this morning!
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/£10001 -
Spent £50 in Iceland this evening, freezer is so full I've had to empty the cardboard packaging and put them into clear bags with the instructions cut out and stuck to it

Not much else going on, OH has ordered Lasagne from a local Italian. I've made a weeks worth of works lunches so no need to do that tonight.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/£10002 -
😂😂this made me giggle. It’s amazing how much the tiny payments have made an impact on that marbles debt, it’s going to be gone in not time at all. The fact you feel so in control is a win too.jadewest94 said:Spent £50 in Iceland this evening, freezer is so full I've had to empty the cardboard packaging and put them into clear bags with the instructions cut out and stuck to it
1 -
Honestly, it wouldn't fit in otherwiseFootyFanDan said:
😂😂this made me giggle. It’s amazing how much the tiny payments have made an impact on that marbles debt, it’s going to be gone in not time at all. The fact you feel so in control is a win too.jadewest94 said:Spent £50 in Iceland this evening, freezer is so full I've had to empty the cardboard packaging and put them into clear bags with the instructions cut out and stuck to it

Yes! I know it doesn't seem a lot but its going down slowly. I'm able to pay £50 towards it Friday also! Yes agreed! Still unsure if I should focus on CC first or try pay off a loan next as the smaller loan is £779I’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/£10002 -
Aah yes, the Iceland freezer shuffle. Brilliant value for money but a pain in the !!!!!! when you're trying to squeeze everything in!!jadewest94 said:Spent £50 in Iceland this evening, freezer is so full I've had to empty the cardboard packaging and put them into clear bags with the instructions cut out and stuck to it
Not much else going on, OH has ordered Lasagne from a local Italian. I've made a weeks worth of works lunches so no need to do that tonight.Tesco CC - £269.00.00/£750
Virgin CC - £1,050.00/£2570.00
MBNA CC - £825.00/£3360.00
Emergency/Home improvements Fund - £0.00/£1000.00
Pay All Your Debt By Xmas 2021 Number 60 - £2144.00/£6680.00
https://forums.moneysavingexpert.com/discussion/6233334/paddingtons-debt-free-journey#latest1 -
Haha yes, it’s just a lucky dip now!Paddington75 said:
Aah yes, the Iceland freezer shuffle. Brilliant value for money but a pain in the !!!!!! when you're trying to squeeze everything in!!jadewest94 said:Spent £50 in Iceland this evening, freezer is so full I've had to empty the cardboard packaging and put them into clear bags with the instructions cut out and stuck to it
Not much else going on, OH has ordered Lasagne from a local Italian. I've made a weeks worth of works lunches so no need to do that tonight.
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/£10000
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