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Time to start a Fresh part 2, 2022!
Comments
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Oh I agree.EssexHebridean said:Perspective though - what would you have done previously? I'm guessing NOT budgeted for the work that needed doing, and shoved in on a credit card or taken a short-term high-rate loan to cover the costs? You may not be debt free yet - but you ARE in a position where you are living without relying on credit - and that deserves a round of applause!
Thank you!
I've also just checked my bank and I have double what I usually have after all DD go out so I'm quite suprised how much paying off a smaller debt can actually save me money if that makes sense 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;Abound - £0/£7,092.16
DFW Challenges!
365 Day 1p Challenge 2026 #9 £104.30
Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
Make £2026 in 2026! £602.40/£2026
Savings goal £162.79/£10002 -
Thank you!Four_Seasons said:I second EH you are doing so well, those cards just keep going down x 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;Abound - £0/£7,092.16
DFW Challenges!
365 Day 1p Challenge 2026 #9 £104.30
Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
Make £2026 in 2026! £602.40/£2026
Savings goal £162.79/£10001 -
Evening all,
I'm so close to being at the 3.5k Mark!!!
Sainsburys have asked me to work Thursday aswell as all weekend now
I said I'm happy to do so. They've also decided to end my mams temp contract. But she also has another job anyway. My car is booked into the garage for the end of the month to get parts fitted etc. Then after that's all paid and done I plan on refocusing back onto my debt mission! I am absolutely determined to be debt free by September.I will and I can do this!
Thanks for all the support everyone of you so far. It really does motivate me to get my bum into gear.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;Abound - £0/£7,092.16
DFW Challenges!
365 Day 1p Challenge 2026 #9 £104.30
Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
Make £2026 in 2026! £602.40/£2026
Savings goal £162.79/£10004 -
You’re doing great Jade. Was your mum doing the early starts like you ?2
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Thank you, yes she was. I don't think she was reaching the IPH target so they let her goParkyp said:You’re doing great Jade. Was your mum doing the early starts like you ?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;Abound - £0/£7,092.16
DFW Challenges!
365 Day 1p Challenge 2026 #9 £104.30
Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
Make £2026 in 2026! £602.40/£2026
Savings goal £162.79/£10001 -
Awe aslong as she can survive without the extra money.2
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Yes she will be fine, she has a few grand from the house and has a full time job anywayParkyp said:Awe aslong as she can survive without the extra money. 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;Abound - £0/£7,092.16
DFW Challenges!
365 Day 1p Challenge 2026 #9 £104.30
Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
Make £2026 in 2026! £602.40/£2026
Savings goal £162.79/£10001 -
I'm working in sainsburys now until Sunday as they're desperate for staff tomorrow Friday and Saturday so I agreed
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;Abound - £0/£7,092.16
DFW Challenges!
365 Day 1p Challenge 2026 #9 £104.30
Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
Make £2026 in 2026! £602.40/£2026
Savings goal £162.79/£10001 -
Oh also, name change! Still meI’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;Abound - £0/£7,092.16
DFW Challenges!
365 Day 1p Challenge 2026 #9 £104.30
Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
Make £2026 in 2026! £602.40/£2026
Savings goal £162.79/£10001 -
That completely threw me for a moment! Was trying to work out how this random person's thread had got into my bookmarks! 🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
£100k barrier broken 1/4/25
Balance as at 31/08/25 = £ 95,450.00. Balance as at 31/12/25 = £ 91,100.00
SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her2
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