Total debt when my journey began in December 2022- £66,133.42
Current debt May 2024- £40,064.57
Repaid 39.42%
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Third time's the charm...
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Morning everyone and merry-pay-day-eve to me! I will definitely be getting up early tomorrow as I am excited now.
Today will be a NSD for me again. I need to pick up bread and milk but they are included in my essential spending and don't count. Nothing available on Prolific so I have sent £6 to the credit card as my PAD. I now have £40 to pay tomorrow to clear it.
Looks like a lovely morning again so I'll be heading out with the dog at lunchtime, and maybe again this evening before the footy kicks off.
I hope you all have good days, whatever your plans.
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 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21261 -
I think you are going to have a lot of people just as excited as you tomorrow. Have an amazing last day of being a debt free wanna be.
OMG I am actually tearing up writing this!!!!2 -
Debt free eve.
How exciting!!2 -
When I finally paid off my credit card balance a few years ago I was so excited but couldn’t tell anyone as no one in real life knew about it. I was walking around with a big smile on my face all day 😆I get knocked down but I get up again (Chumbawamba, Tubthumping)3
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So excited for tomorrow. You have definitely inspired me to get a good plan in place to pay things off. Paying what we can, when we can, doesn't seem to work very well without a proper plan. Hope you have a bottle of something ready to celebrate tomorrow.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 £410/£3000
.
Fiver Friday '25 #10 £15
Studies/surveys July £58.64
Decluttering items 748
Books read 12
Jigsaws done 8
My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up2 -
We are going out for dinner to celebrate, nothing fancy or expensive but we will certainly mark the occasion
Might pop a bottle of prosecco in the fridge too. 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 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21261 -
Just popping in to say happy last day of being in debt!!! I am so so so excited for you for tomorrow. What an incredible personal achievement!! MPS.x
November 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 Diary2 -
Nearly there LMD,
£999 of every one thousand you owed at the beginning has been repaid. Really is remarkable when you think of it.
Enjoy your debt free celebrations tomorrow27/5/17 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 52 -
Oooh £7 cashed out from Prolific and sent off to the credit card
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 £5678 | EF £1000/£1000 | Sabbatical £3188/£6000 | Travel savings £1924 | Sinking pots £21261 -
Yay so happy for you! Can't wait until I'm there!Debt busting 2022 Total £15842.68 £0 (100% paid since 1/1/22)
- DFD: September 1st 2023[/b]
Savings diary: https://forums.moneysavingexpert.com/discussion/6472040/time-to-build-my-future#latest
2 - DFD: September 1st 2023[/b]
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