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Looks amazing! Rather than this horrible rainy weather here!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;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=11 -
Wow, what an amazing view. Hope you are having a wonderful time.Making the debt go down and savings go up
LBM 2015 - debt £57K / Now £28,744....its going down
Mortgage Free December 9th 2024! 18mths ahead of schedule. Since 2022 we paid over £15K in OPs.Challenges
EF #68 £550/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys August £0
Decluttering items 756
Books read 13
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up1 -
Morning everyone
Just a little update, I made £6 PAD to CC7 this morning, not a no spends day.Going to be a relax and sunbathe day today, bliss!
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25713 -
Enjoy the sunshine! It's grey and miserable here!xNovember 2022 - £46,626.96 / May 2025 - £5,970.00
Debt paid off so far - £40,656.96 (87.19%)
Current Challenges:
#10 DFBXMAS25 £8670.00 / £15120.00 (57.34% paid off)
Completed Challenges:
#15 DFBXMAS24 £16972.80 / £14000.00 (121.23% paid off) COMPLETED!
#41 DFBXMAS23 £14751.96 / £12000.00 (122.93% paid off) COMPLETED!
MissPennySave's Debt Free Diary - DFW Diary4 -
Another one reminding you to enjoy the sunshine.
It’s sunny here but bloomin’ cold.27/5/17 Mort 64705 BTs 1904031/12/17 Mort 59815 BT 1673007/04/20 Mort 49208 BT 1572128/07/20 Mort 47387 BT 1263414/11/20 Mort 45905 BT 10134 20/05/21 Mort 42335 BT 686811/08/22 Mort 32050 BT 2915Sealed Pot Challenge 16 Number 53 -
Not missing the cold at all! I’m so fair skinned that I never get a tan but even in factor 50 I love lazing in the sunshine anyway
Life gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25712 -
Good morning 😊 Checking in to report a £4 PAD sent to the credit card. I’m still keeping an eye on my budget over here but it’s much harder without my trusty spreadsheet.Also, I bought some skincare on the plane and it’s not showing as a transaction in my bank yet which is frustrating as I have to keep reminding myself there’s more to come out of the account.Will keep an eye out for that. I’m certain I didn’t get it for free hahaha
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25714 -
Just a habitual check in, £1 sent to CC7 this morning as my PAD
We are sorting out the joint account on Monday so that’s a positive. Will be nice to get things sorted and not have to move money as much. Oh and have equal contributions
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25713 -
Good morning! The weather here is quite stormy so hubby is off out on a bike ride and I will be staying in the hotel trying to find a sheltered spot from the wind with my book.Todays PAD is £25 to CC7, this should be the difference between what I’ll pay before the due date and the minimum payment. Surveys are scarce this month so I don’t want to rely on those.
Maybe next month I will try putting my big payment into a Monzo pot to keep it out of the way and then pay it after the statement.
Hope you’re all ok
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25713 -
Morning! Another stormy day here, hoping the wind settles down for flying home tomorrow 😳
Last night we had dinner and came back to the room to watch a film. We have a suite (they are all suites in this hotel) so it has a separate living room. It saved us about £50 on drinks between us.I have sent £12 to CC7 to round down my bank and take me below the £4.6k mark. Clearly feeling a little flush from last nights saving.Hope you’re all well
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25714
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