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Time to start a Fresh part 2, 2022!
Comments
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Hey! It sounds like you’re doing really well in your new job, and well done for managing everything! Your week away sounds lovely. Almost debt free too, go you!2
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Hey all! Sorry not been active at all, been super busy with life in general. Anyway I have one payment of £295 left to make on my 118 account! Also we’ve just came back from being away in Tattershall lakes for the last week so my plan is to put the Christmas decorations up when I get home!
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 -
Me again! So update on my job at Euros, basically I was supposed to be a picker and the guy who runs the shop has been on the sick and is now AWOL so, I’ve been doing his job for the past 2 months. BUT there’s a good side to the story, if he doesn’t get in touch with Euro in the next 3 weeks they’re going to get rid of him and then I will have a full time job!
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/£10003 -
A great present for you nearly debt free and a full time job, well done .Life is an adventure, never stop exploring.1
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Well done on stepping up, you must be doing a great job if they're looking to give it you permanently if he doesn't come back - fab stuff.
I'm envious of your position in your debt free journey, I find myself wishing the next 6 months away so I can get to mine
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4685/£60002 -
Thanks both! Yep can’t wait to be debt free!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 -
How exciting - fingers crossed, and well done for being asked to step up even temporarily when you're still so new to the company too! Definitely a good sign!🎉 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 -
Fab news about the job. My cousin worked for them for years and was happy there so hopefully you will be too. Must be exciting knowing you will go into 2023 debt free.*Dad loan - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £0
Tesco Credit Card - £3652.32 £3270.54
*Total Debt - £10370.54/£15293.48*
Savings
*Sinking Fund - £2064.85/£3000
*Emergency Fund - £2500/£2500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/2 -
Evening all and merry Christmas and a happy new year etc etc!Time to kick myself back into gear, starting January I’m setting a money challenge etc
£1 first week
£2 second week etc etc
also, as I’ve been given full time from January it means I get a company van aswell so I’ll be saving a hell of a lot of money on fuel and maintenance! The van will cost me £40 each month to use.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 -
Great news on the job front, that's brilliant news! Are you setting up the savings challenge on here? I will join in if you are
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2026 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4685/£60001
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