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Time to start a Fresh part 2, 2022!

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Comments

  • BlueJ94
    BlueJ94 Posts: 3,267 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Morning all, 

    This month I have two things to look forward too

    Tattoo on 26th August 
    Leaving my job September 2nd

    The count down is on and I can’t wait for both!
    Not really sure what to post about today, weather is a bit rainy but at least my plants get some extra water. Working until 5PM then I plan to have a nice bubble whilst OH makes dinner!
     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
  • foxgloves
    foxgloves Posts: 13,258 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    @BlueJ94 - Congratulations on the new job. Good luck with all of that. Your debt-free day draws ever closer - a final push, no money-wasting & you'll be there. I don't think you'll ever run up debts again. You are clearly a hard worker & I think going forward, you'll save for any bigger purchases. It's a fabulous feeling (I remember it well!) when that final instalment of debt is paid & your money becomes your own - no more having to spend it on stuff you bought so long ago, you can barely remember what any of it was.
    F x
    2026's challenges: 1) To rebuild our Emergency Fund to at least £5k.
    2) To read 50 books (12/50) 3) The Re-Shrinking of Foxgloves 8.1kg/30kg
    Remember....if you have to put it on a credit card, extend your overdraft or take out a loan to buy whatever it is, you probably can't afford it, as that's not your money, it's somebody else's!
  • BlueJ94
    BlueJ94 Posts: 3,267 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    foxgloves said:
    @BlueJ94 - Congratulations on the new job. Good luck with all of that. Your debt-free day draws ever closer - a final push, no money-wasting & you'll be there. I don't think you'll ever run up debts again. You are clearly a hard worker & I think going forward, you'll save for any bigger purchases. It's a fabulous feeling (I remember it well!) when that final instalment of debt is paid & your money becomes your own - no more having to spend it on stuff you bought so long ago, you can barely remember what any of it was.
    F x
    @foxgloves I can’t wait! All my money will be MINE :smile: it will be nice to have a fresh start, new job and no debt or nearly no debt! 
     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
  • Well done on getting them to give you the correct figure (finally!) Do you have a debt free date planned or if there's no interest are you just going to clear it slowly?  I'm still 421 days from my DFD and I can't wait :D  It's been a bloody slog!
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017
    EF £1000/£1000 | Sabbatical £4685/£6000
  • BlueJ94
    BlueJ94 Posts: 3,267 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Well done on getting them to give you the correct figure (finally!) Do you have a debt free date planned or if there's no interest are you just going to clear it slowly?  I'm still 421 days from my DFD and I can't wait :D  It's been a bloody slog!
    LMD x
    Woohoo go you!! That’s amazing well done! 
    Well if I pay £50 constantly it’s going to take 3 years but I want it gone sooner so I plan on saving some money for myself and some for debt and bulk pay when I feel like it, hope they offer a settlement. 
     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: 3,267 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    118 came back to me this morning offering 50% off my debt £895 I can either pay within 14 days or pay in instalments. I’m so happy right now! I can definitely see the light at the end of the tunnel!!
     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
  • Parkyp
    Parkyp Posts: 883 Forumite
    Sixth Anniversary 500 Posts Name Dropper
    Oh put a lotto on you’re  defo lucky at the moment 🤣 
  • BlueJ94 said:
    118 came back to me this morning offering 50% off my debt £895 I can either pay within 14 days or pay in instalments. I’m so happy right now! I can definitely see the light at the end of the tunnel!!
    This is AMAZING!!! Well done!
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017
    EF £1000/£1000 | Sabbatical £4685/£6000
  • BlueJ94
    BlueJ94 Posts: 3,267 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Thank you! I’m so happy, I’ve set up an instalment plan with them and within 5 months it should be cleared! So nice clean slate ready for 2023!

    in other news, I’m going to have a nice relaxing bubble bath with some wine and I treated myself to some new pyjamas and I’m going to change the bed sheets! Nothing better than new pyjamas and fresh bed sheets! 
     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: 3,267 Ambassador
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Morning all,

    So went to euro car parts etc and they seem really nice and super duper chilled out. Ordered my uniform and sorted out my shifts. So I’m basically full time, Monday to Friday 8.30 until 4.30 and every other Saturday 8am until 4pm.

    I’m having to wait around now until 1pm to go into work so I’m going to go into town and get a coffee and maybe pop into a clothing shop.
     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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