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Time to start a fresh.
Comments
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You are doing well. Feeling happier and in control of your money is a great place to be.Clearing the Fluid and Barclaycard in the next couple of months will be a real boost and will make your signature look fab.1
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Having an emergency fund will make such a difference that you will have money to pay for a bill instead of having put on cc. You’re learning at such a young age, you ran up few bills now wanting to take control and no more adding to your debt. Well done you 👏👏👏1
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Thank you @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/£10000 -
Well done Jade, you have worked incredibly hard to get in to the place you are now. I think the extra income you are making as made a huge impact. I don't know how much you plan on building as an emergency fund but even a little amount will really benefit you. Here is to getting rid of the fluid and barclay card, also well done on avoiding temptations of more credit1
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Thank you @FootyFanDan It's nice to slowly see the benefits of sorting my situation out. I agree!
In a way I'm glad I messed up at a young age rather than later on in life. My aim is to have my CCs down to at least three maybe two at a push by Christmas. The loans, as high as they are and annoying, they can wait as I physically can't reuse them. I will however next week when I'm off work, plan my budget for September and go from there. I'm also off to Alton Towers next Wednesday so it will be nice to not let money be on my mind all day. Even though I'm not looking forward to the driving! 
Also on a plus side, I sleep a lot better recently. 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 -
I have read through some of your posts Jade (I will admit not all) but you are doing amazing, inspiration to me!Very (Shopping) £796.16 Paid in FULL as of 17/08/2021
Simply Be £1463 £1432 £1195.13 £801.02 £645.24 Paid in FULL 30/09/2021Likely Loans £2465.73 £2191.76 £1917.79 Paid in FULL May 2022
Overdraft £500 Paid in FULL Jan 2023
PayPal Credit £566.53 Paid in FULL Jan 2023
Total debt £5824.89 at the very start of DFW Journey.
Current debt £5,028.73 £4997.73 £4384.31 £3990.20 £3823.06 £2260.37 £1066.53 £0.00
Debt added since start of journey £9000 (borrowed from partner for car)
Current balance of £8550 £8150 Paid in Full June 2022
My debt free diary:
https://forums.moneysavingexpert.com/discussion/6291011/debit-free-diary-starting-august-2021-target-may-2022#latest1 -
I don't blame you for not reading all, it's quite longrigare11a said:I have read through some of your posts Jade (I will admit not all) but you are doing amazing, inspiration to me!
Thank you! Slowly but surely I'll get there 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 -
I've done some house chores today, packed the last sold thing on ebay and now I'm sat on the sofa watching "ghosts" on BBC iPlayerI’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!
Counting down the days now until a week off work! I can't wait to just sit down and chill out I've got lots of gardening and reporting to do! it's also payday week next week aswell so I'll get the extra over time money! 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/£10003 -
So jel you are about to take some time off work! I am starting to need a break for sure! Have a great great weekend
Very (Shopping) £796.16 Paid in FULL as of 17/08/2021
Simply Be £1463 £1432 £1195.13 £801.02 £645.24 Paid in FULL 30/09/2021Likely Loans £2465.73 £2191.76 £1917.79 Paid in FULL May 2022
Overdraft £500 Paid in FULL Jan 2023
PayPal Credit £566.53 Paid in FULL Jan 2023
Total debt £5824.89 at the very start of DFW Journey.
Current debt £5,028.73 £4997.73 £4384.31 £3990.20 £3823.06 £2260.37 £1066.53 £0.00
Debt added since start of journey £9000 (borrowed from partner for car)
Current balance of £8550 £8150 Paid in Full June 2022
My debt free diary:
https://forums.moneysavingexpert.com/discussion/6291011/debit-free-diary-starting-august-2021-target-may-2022#latest1
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