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Three years to get debt free

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  • enthusiasticsaver
    enthusiasticsaver Posts: 16,070 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Wonderful that you managed to get out of your overdraft. Happy payday 😃
    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.

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  • Great stuff getting out of your overdraft :)
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • Wonderful that you managed to get out of your overdraft. Happy payday 😃
    Great stuff getting out of your overdraft :)
    Thank you. It’s a great feeling seeing my bank at full capacity rather than minus a few hundred taken up by my overdraft. X
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Morning and happy Saturday

    Official payday today! Bills due out tomorrow but will be Monday. 
    Bank is looking very healthy as normally I’d have had to pay off credit card or overdraft but it’s all still there!

    I’ve lost my debit card too, which is making it easy not to spend. New one is due this week. 

    Busy day today with football and I have to go out to do some bits. 

    Started a refund today for an item I bought in December. It’s still not arrived and if it comes through £10 will be coming back. Not mega money but something back. 

    Have a good day everyone x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • All sounding good , enjoy your weekend . I am sending you a PM answer when you have time . 
    Life is an adventure, never stop exploring.

  • Love MSE for sharing information. Many thanks Willowtree . 
    Life is an adventure, never stop exploring.

  • Love MSE for sharing information. Many thanks Willowtree . 
    Anytime. X
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • amber03
    amber03 Posts: 1,360 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Photogenic
    Late to the party but well done on staying out of your overdraft. Love little wins as well, they give you a good feeling. Xx
    :j Debtfree and and staying that way.:j3-6 month emergency fund, No.61 £140.00
  • amber03 said:
    Late to the party but well done on staying out of your overdraft. Love little wins as well, they give you a good feeling. Xx
    They do don’t they! X
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Actually just sat down from this morning and my head is banging. 
    DDs football, then I’d sold something for someone, arranged a pick up time with them and got a call saying they wouldn’t be in and could I move it an hour before. I ended up going to their house to wait for the person to collect which meant I needed to go to another house to pick up keys (Hope you’re keeping up 🤦🏼‍♀️)

    Then DD got a ring for Christmas that snapped. I got the receipt last night and then got a text today asking if I’d returned it yet 😂 i then drove round a popular shopping centres car park for twenty minutes before finding a space to return a ring. 😡 then needed to go back to there’s to return the card they’d paid on. 

    My debit card hadn’t arrived before I went which isn’t a bad thing in that centre!

    The refund was issued for the coat, unfortunately it went to my old card so I need to sort that out. 

    New card came late afternoon 🥂🎉🎊 so got fuel and picked up click and collect. Cost just over £25 so that’s good. 

    Had to claim for a missing parcel. That’s £5 hopefully due. I’ve already had to refund it. 

    I’m now sat waiting for painkillers to kick in. I’ve had a bath to warm up. I couldn’t feel my toes after the football match and my finger was numb. 

    Tomorrow I’m looking forward to doing nothing x

    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
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