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Time to start a Fresh part 2, 2022!

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Comments

  • Baileys_Babe
    Baileys_Babe Posts: 6,703 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    That is good news making the most of the monies allocated to busting this debt 🤗
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One     income, home educating family 
  • EssexHebridean
    EssexHebridean Posts: 25,886 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Woop just checking in to see how you were getting on and what brilliant news! well done for being proactive and chasing them on it too!

    Loving how enthusiastic you are for being able to bring your DFD forwards too - and you'll do it as well, I've no doubt about that as you're just so focused! 
    🎉 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 Calculator
    she/her
  • BlueJ94
    BlueJ94 Posts: 3,264 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Thank you @EssexHebridean

    I'm going to go sit in the spare room now with a coffee, set up the laptop and go through my budget properly and thoroughly. No guesstimations, rejuggle some numbers, see what I can pay extra too and start saving more in to my emergency fund. As to be honest, I've not really been paying anything into 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;

    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/£1000
  • Baileys_Babe
    Baileys_Babe Posts: 6,703 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Don't neglect your emergency fund it will give you peace of mind and help prevent you slipping back into debt in the future.
    Fashion on a ration 2025 0/66 coupons spent
    79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases

    One     income, home educating family 
  • BlueJ94
    BlueJ94 Posts: 3,264 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Morning all, 

    Just had my sainsburys payslip and they've basically owed me money since December as the system they use to track pay hasnt worked properly. So I'm up an extra £300 which is a bonus! Will see who I can pay what to later :smile:
     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/£1000
  • DawnW
    DawnW Posts: 7,894 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Looks as though you could say goodbye to either Vanquis or SafetyNet!
  • BlueJ94
    BlueJ94 Posts: 3,264 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    DawnW said:
    Looks as though you could say goodbye to either Vanquis or SafetyNet!
    yep, safetynet is next :smiley:
     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/£1000
  • BlueJ94
    BlueJ94 Posts: 3,264 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Another debt gone off the list today, say bye bye to SafetyNet!

    remaining balance overall is £3310
     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/£1000
  • gymgirl11
    gymgirl11 Posts: 174 Forumite
    Third Anniversary 100 Posts Name Dropper
    edited 10 March 2022 at 11:58AM
    Well done Jade, you’re doing so well! :)
  • BlueJ94
    BlueJ94 Posts: 3,264 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    gymgirl11 said:
    Well done Jade, you’re doing so well! :)
    Thank 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/£1000
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