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Time to start a Fresh part 2, 2022!
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BlueJ94
Posts: 2,795 Ambassador

Hey all,
I thought as it's a new year it's time for a new part to my Diary.
Part one is here if you'd like to have a read along - https://forums.moneysavingexpert.com/discussion/6231115/time-to-start-a-fresh#latest
At the beginning of January last year I decided I would start my own diary as I've seen so many people be supportive to other members and it made me think, "hey maybe the support would encourage me to pay my debts off a little quicker" Thankfully it did, 2021 was rough, I lost my grandad to Cancer. That was the biggest blow for me, but I know he would be proud of how far I've came so far!
My debts as of January 2021 stood at around 6.1K, to some this may seem little and others it's alot. Either way debt is debt and it wasn't going to pay itself. I seen the amount of encouragement from other diaries and weekly threads, challenges and it felt like people actually was at the same point in life as me, in a rut scratching at the sides to be free from this hell hole! I did however rack up a small debt along the way of £360 so I take full accountability and have added this onto my debt!! As of today I'm at 4.7K in debt, paying nearly 1.4K off isn't bad but this year I am determined to get it all gone! I started a second job in Sainsburys in October working 4am until 8am 3 shifts a week, with optional overtime.
My plan this year is to pay my smaller debts off first, then attack the bigger debt at £1980. I plan on meal planning/batch cooking for work. No takeaway coffees or snacks from works vending machine.
Debt's as of now
118 Loan - £1980
Likely Loans - £840
Five Lamps £770
Aqua £400 (I think)
Vanquis £360
SafetyNet £360.71
I wish everyone the best in becoming debt free, it is doable! No matter the size of the debt, just acknowledging it is the first step! Thanks to all that has followed and supported me along the way!
I thought as it's a new year it's time for a new part to my Diary.
Part one is here if you'd like to have a read along - https://forums.moneysavingexpert.com/discussion/6231115/time-to-start-a-fresh#latest
At the beginning of January last year I decided I would start my own diary as I've seen so many people be supportive to other members and it made me think, "hey maybe the support would encourage me to pay my debts off a little quicker" Thankfully it did, 2021 was rough, I lost my grandad to Cancer. That was the biggest blow for me, but I know he would be proud of how far I've came so far!
My debts as of January 2021 stood at around 6.1K, to some this may seem little and others it's alot. Either way debt is debt and it wasn't going to pay itself. I seen the amount of encouragement from other diaries and weekly threads, challenges and it felt like people actually was at the same point in life as me, in a rut scratching at the sides to be free from this hell hole! I did however rack up a small debt along the way of £360 so I take full accountability and have added this onto my debt!! As of today I'm at 4.7K in debt, paying nearly 1.4K off isn't bad but this year I am determined to get it all gone! I started a second job in Sainsburys in October working 4am until 8am 3 shifts a week, with optional overtime.
My plan this year is to pay my smaller debts off first, then attack the bigger debt at £1980. I plan on meal planning/batch cooking for work. No takeaway coffees or snacks from works vending machine.
Debt's as of now
118 Loan - £1980
Likely Loans - £840
Five Lamps £770
Aqua £400 (I think)
Vanquis £360
SafetyNet £360.71
I wish everyone the best in becoming debt free, it is doable! No matter the size of the debt, just acknowledging it is the first step! Thanks to all that has followed and supported me along the way!
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts 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.
Debt owed;
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=1
Debt owed;
Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=1
8
Comments
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Great progress so far! Good luck and well done for getting the second job. Those hours made me gulp! You can do it!1
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elbree said:Great progress so far! Good luck and well done for getting the second job. Those hours made me gulp! You can do it!I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts 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.
Debt owed;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=11 -
Morning all,
Tested positive on the LFT this morning so not in either jobs now for the next 7 days! I feel fine though, just tired.
Today I plan on cleaning the bedroom properly, washing the dog as he stinks!and just doing some cleaning in general. I also plan on just watching Netflix in bed.
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts 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.
Debt owed;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=12 -
Hi , excellent start.
Just an option to consider:-
pay off debts with the largest interest rate first (but still maintaining any minimum payments on remaining debt) This will ensure you pay off debts quicker.
or
are there any opportunities that you can use MSE site to identify any 0% interest CC you can transfer all the debts into, then look at which 0% has lowest transfer %age or charge, Then calculate how much you need to pay off each month to clear the debt within the interest free period?
keep up the great work..Debt is a symptom, solve the problem.3 -
enjoyyourshoes said:Hi , excellent start.
Just an option to consider:-
pay off debts with the largest interest rate first (but still maintaining any minimum payments on remaining debt) This will ensure you pay off debts quicker.
or
are there any opportunities that you can use MSE site to identify any 0% interest CC you can transfer all the debts into, then look at which 0% has lowest transfer %age or charge, Then calculate how much you need to pay off each month to clear the debt within the interest free period?
keep up the great work..
Everything is on PP so no interest is addedI’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts 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.
Debt owed;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=11 -
Happy shiny new diaryI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.2 -
beanielou said:Happy shiny new diaryI’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts 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.
Debt owed;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=11 -
Evening all,
Not much to post. Tested positive for Covid this morning. Sick pay for the next 7 days on both jobs. But I feel fine, managed to clean the house and do all the washing.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts 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.
Debt owed;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=11 -
Glad your feeling ok and fingers crossed you stay that way. You made great progress last year and you’re going to smash it this year, well done 👏2
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Hi Jade, came across from your other diary!
Sorry to hear you tested positive, I'm glad you're feeling OK.
Good luck with the debt busting! Hoping it's a positive year, money wise, for you2
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