20K to Debt Free by June - Finally Debt Free 27/06/23

LeeXenon

Same again today, although today I can say that I will be debt free next month!
PAD of £5.70 to CC1, 57 days to go!

I missed the boat for a one-month announcement, but I'm 34 days nicotine free and still going strong.

LittleMissDetermined

You're doing so well!! a month in as a non-smoker already, nice job!  The next month will fly by
LMD x

LeeXenon

Thank you, I sure hope so!

PAD of £5.60 to CC1 today. :) Looks like I've just crossed £900 in PAD's, I think I'll aim for the £1,000 mark by my DFD. 😁

LeeXenon

Good evening,
today is a £5.50 PAD to CC1. I'm afraid I'm going to have to kick this tradition for a bit as I'm going to be leaving myself without very much at all for the rest of the month. I'll see how the coming weeks treat me and resume perhaps a little closer towards payday so I'm not eating into my safety net!

Ultimately it's not going to bring my debt free date forward unless I find an extra £1,400 odd in PAD's, so I'm at no major loss - I'll hang on to the money for a bit!

55 days to go...

pidge04

Amazing! You are doing so well! 

LittleMissDetermined

At least you’ve realised the potential short fall before it’s too late. You’ll still be debt free next month which is awesome 👏 

LeeXenon

LittleMissDetermined said:

At least you’ve realised the potential short fall before it’s too late. You’ll still be debt free next month which is awesome 👏 

Thank you, I feel incredibly lucky already to be in the position I am in.
I feel as though the DFD can't come soon enough, on one hand I can't believe it's only next month.

A few years ago I honestly felt trapped and as though I'd forever be in a vicious cycle of debt..

LeeXenon

It's been a week since my last post so checking in now.
It's been a tough week for me, completed a course at work, the toughest I've done in 10 years. Thankfully passed with flying colours, but this didn't come without the stressors! So glad it's all said and done now.

46 days to go until I'm debt free. No further PAD's to date, made a small donation earlier instead. Still on track, just need to keep my head in the game.

LeeXenon

Will be another week tomorrow but I'll check in now as I may not have a chance tomorrow.
Transitioning into 39 days to go until my debt free date, very soon I will be able to say I will be debt free within a month - Wow!

From £30K+ Debt to Debt Free, I didn't ever think I'd be getting myself out of this mess, and in all honestly it was when we knew a child was on the way that was the true kicker for me to get things sorted out. 2+ years later, still going and almost there.

I've decided on a meal to treat my family, really it is a 'thank you' for putting up with me and my frugal spending, my inability to do certain things because of my debt-related financial constraints. I'm not sure they will see it the same way I do, although I look forward to having this celebration coming the end of June.

Looking forward to my next payment in 9 days which is likely when I will update next.

LeeXenon

A little win today, opened a Club Lloyds account and been paid out the £150 switching incentive, and they will give me 12 months of Disney Plus in around a months time as well! That should work out to a £80/£90 saving across the next year.

Not going to PAD it, I need some new blinds and I was running on £0 for the past few days so I'm just going to keep the remainder as a buffer until payday.