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Three years to get debt free
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Merry Christmas and well done on sorting out the credit card and the new car. Hope your health is ok now.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment 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.
Save £12k in 2026 Challenge £12000/£5000
365 day 1p Challenge 2026 £667.95/£220
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php1 -
Thank you, everyone. I didn't think anyone still read with me posting so little.
I've got plans for the new year with debt paying and the car. I never ever thought that loan to my ex would ever go. It's now gone, and I'm back to having savings. January is the start of my overpaying and I've already sorted it to start to come out automatically. It's been quite emotional since paying it off as it means I could also afford the new car.
My health is better thank you ES. I still have a lot of tests in Jan and Feb, but it's predominantly controlled by diet now, which is great. I'm even taking most of my own Christmas Dinner because I'm so strict.
DD is in a band as well. It's a brass band and she's learning, but doing well. They've asked me to join and learn another instrument so we're just looking at which one would be best for me.
I'm organised for Christmas with only a few of DD's to wrap. I'll wrap them when she'd with her dad tomorrow.
I've had a pay rise just come through as well. I'm hopeful it will be an extra £150 a month. As I've already allocated money to savings/overpaying/DD, etc, I've decided to allocate myself £100 a month for a treat and the other £50 will be for my free from food. I don't often buy the treat things as they are so expensive, but I'm going to allow £10 a week shopping to go to my free from stuff. It'll only buy a few specialist items, but it will be worth it.
With this wind, I'm the fence was swapped. The old one would definitely not have survived last night. I also forgot that I had made an office as well in the last year.
I will show you what I made last weekend once I've managed to take a picture of it..I need to wait until its dark. Perhaps my £100 could be saved for more crafting!
September 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x1 -
It's a lantern. All hand drawn with special glass fusing pens and put in the kiln. After Christmas, I'll put fairy lights in it.
September 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x4 -
That’s lovely one of my granddaughters plays the cornet in a brass band and she has just been picked to play in the England youth band she enjoys it the playing and meeting people1
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The lantern is beautiful.I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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That's what she plays too. The group are lovely and the played a Christmas concert, which was amazing.IzzyBee said:That’s lovely one of my granddaughters plays the cornet in a brass band and she has just been picked to play in the England youth band she enjoys it the playing and meeting peopleSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x0 -
Thank you. I've been reading your old diary, a huge roller coaster for you all. Makes it all the more inspiring reading where you are now. XSun_Addict said:The lantern is beautiful.September 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x0 -
Great update, good to hear from you. " the loan has gone" best news. The lantern is lovely. Have a great Christmas
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Yes, the god damn loan has finally gone!24ta said:Great update, good to hear from you. " the loan has gone" best news. The lantern is lovely. Have a great ChristmasSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x0 -
Happy Christmas 🎄2026 Decluttering Campaign Mrs SD – Our year of redistribution 61.5/208⭐️⭐️⭐️⭐️ DH⭐️ DC🏅⭐️ DD🏅 (DF 95.5/104⭐️⭐️)
#? Make £2,026 in 2026 £344.54/£2,026
Decluttering 2025 281/104(312)💐⭐️x10 | 2024 121.5/52🏅⭐️x10 | 2023 53.5/52⭐️x4 | 2022 84/52(72)⭐️x4 | 2021 56.5/52(85)⭐️ | 2020 45/52
Make £2,025 in 2025-£1,180.30 | 2024-£684.05 | 2023-£331.75 | 2022-£489 | 2020-£1,307.701
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