Debt and Budget (Reset) plan

13thlegion

Fantastic news well done!

Keedie

CONGRATULATIONS!!!! 🎉🎉🎉

I'm so proud of you and you've really inspired me to keep going. Having read your diary from the start, it's been so impressive to see you persevere and thank you for reintroducing me to cash budgeting 🤗. 

IndiJonesi

Congratulations on being debt free Shell.  What an excellent achievement and good luck with the saving plans xxx

vampirotoothus

Congratulations Vx

LittleMissDetermined

Massive congratulations Shell!!! This is fabtastic and I’m so very pleased for you 🙌

As others have said, you have been an inspiration and I’m so grateful for your diary and pointing me back to Prolific.

Onwards with the savings plans now 
LMD x

shell16

Thankyou all so very much for your lovely comments.  It still doesnt feel real and I still have Prolific open thinking I need these surveys to pay towards debt!

Seriously though, I have found this forum one of the best support networks in terms of the people....YOU!  I could never have achieved this without the solid support when I had major ups and major downs, there were quite a few!

My inspiration has come from many of you especially, @LittleMissDetermined, @EssexHebridean, @Keedie, to carry on regardless.  Pick yourself up, dust yourself off when you hit a bump in the road.  @EssexHebridean, your straight talking made me sit up and think about things, I mean really think about what got me in the position I was, accountability and foremost that my diary was for me ultimately, thankyou, thankyou to you all!  

Prolific has been a life saver for me, and I currently have cleared £792.71 since I started my journey in August 2021.  As it stands that money has literally paid off a full month of debt and part to a 2nd month.

Budget, this has also been a major factor to my success.  Youchoob vids of other budgeters introducing me to cash budgeting, rather than relying on a debit card which helped me to keep focus on certain categories and have money left over to add to savings challenges, EF's Holidays, the list is endless.....

Im quiet sad to be ending this diary, but thanks again to LMD for pointing me in the direction of my next journey.  I have already set up a diary and I will edit and post this when I find the link   I will continue to visit this DFW forum as I will hopefully help others on their journey with my ahmmm 'wisdom'.

My next Journey Diary - I can now see the light at the end of the tunnel, now my saving journey begins! — MoneySavingExpert Forum

Thanks again!
Shell x  

LittleMissDetermined

In turn, you have inspired others and I'm sure you will continue to do so. I will see you on the other side of the forum in 7 weeks (ish) time!
LMD

MissPennySave

You have 100% inspired me in the short time I have been here!!  I'm glad I got to join you for the last leg of your journey!!!!x

twiggy86

Amazing!!! Well done!!! 

shell16

LBM - 17/08/2021, Starting Debt total - £15410.70, 2022 Starting Total - £10752.40, 2023 Starting Total - £2666.00
DFD August 2023 - 18th April 2023 - 04/03/2023

Debts                                                                                             Savings                                                                                       
Virgin - £4014.37/£0 Paid off 18/01/2023 ✅                               EF - £335/£500
Lloyds - £3095/£0     Paid off 17/02/2023 ✅                               EF2 - £0/£500
Sainsburys - £2300/£0   Paid off 04/03/2023  ✅                        Vehicle Maint - £500/500 ✅
Loan - £6001.33/£0 - Paid off 21/11/2022 ✅                              Holidays (Part 1) - £450/£500 (Current Accelerated Fund)
Total £0- Paid off £15410.70 - 100% Paid

Challenges                                                                                   Challenges completed                                                               
1p Saving Challenge 2023 - £238.30  (Rolled over £197.76)      #18 - Saving for Xmas 2022 - £1003.24/£1000 ✅
#18 - Saving for Xmas 2023 - £0/£1250                                       #6 - DFBXMAS22 - £9853.42/£8000 - 123% ✅
#1 - DFBXMAS23 - £2786/£2666 - 104.50%
#49 - SPC16

Debt Free 04/03/2023!