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The last obstacale: it's the path.
Comments
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Hello!
I just paid just under £850 off the Credit card, I have £25 DD to pay on the 14th and then that is it - totally debt free and money in the bank.
I have learned so much over the last 2 years, and 2 months and I feel very positive that I have a way forward, and not just financially.
I will be starting a new diary on the Mortgage Free wannabee in the next few days - I will be saving for the deposit to be a mortgage free wannabe. Hope to buy something next year.
The obstacle really is the path.Signiture dated 23/09/2025
3-month emergency fund (Cash ISA and PBonds): £5,382/ + £1,500 = £6,882 /£7,500 (Target 1)
Stocks and shares ISA: £2,232.94
Additional pension contributions £0 (target £450pcm)
Overpayment on mortgage: 1% at a time (£1,518)
Big Renno...and appliances. Front of the house, fridge freezer, dishwasher and washing machine)2 -
Congratulations on paying off your credit card. Such a great achievement x2025 Decluttering 13021⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️
2024 Decluttering 11728⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️⭐️0 -
Well done on being debt free , put you yourself on the debt free roll of honour.Life is an adventure, never stop exploring.0
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Congratulations! You should be very proud
Debt free November 20220 -
Congratulations @DrCarrie it is fascinating to look back and see what we've learned in the process! Onwards and upwards love Humdinger xx1
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Thank you.Signiture dated 23/09/2025
3-month emergency fund (Cash ISA and PBonds): £5,382/ + £1,500 = £6,882 /£7,500 (Target 1)
Stocks and shares ISA: £2,232.94
Additional pension contributions £0 (target £450pcm)
Overpayment on mortgage: 1% at a time (£1,518)
Big Renno...and appliances. Front of the house, fridge freezer, dishwasher and washing machine)0 -
Congratulations please let us know the link for your mortgage free diary 😀*Dad loan - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £780
*Total debt - £7780/£11641.17*
Savings
*Savings Buffer - £350/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Huge congratulations @DrCarrie - very inspiring! 1
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Thanks for dropping by both!
@Sarahwithlove - the new diary is here: https://forums.moneysavingexpert.com/discussion/6406802/drcarries-adventures-in-saving-to-be-a-mortgage-free-wannabe/p1Signiture dated 23/09/2025
3-month emergency fund (Cash ISA and PBonds): £5,382/ + £1,500 = £6,882 /£7,500 (Target 1)
Stocks and shares ISA: £2,232.94
Additional pension contributions £0 (target £450pcm)
Overpayment on mortgage: 1% at a time (£1,518)
Big Renno...and appliances. Front of the house, fridge freezer, dishwasher and washing machine)0
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