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The Mental Debt Struggle...
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That is very kind of you to say that @lellybun, thank you very much, and to you too @Sun_Addict and @Makingabobor2.
I'm really happy to see the end of 2023, and I wish everyone a Happy New Year and 2024 if I don't post again before the new year hits 🎉🥳.
Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/503 -
Yes. You are still standing & standing tall.I 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 -
I think you are doing amazingly well.
I love your focus and im sure this will carry through next year and to the end of your debt. How exciting will that be??
♥️ ♥️ ♥️🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2025 So far 403 / 2025
Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
25 in 25 So far 1 /25
⭐My rambling savings Diary ~⭐1 -
Keedie, I hope that summary makes you realise just how amazing you are! Despite EVERYTHING you have had thrown at you this year you have still wiped over £6k from your debts. You're a blummin' inspiration!
Have a wonderful new year
LMD xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711 -
You're all too kind to me 🥰, but I secretly love it! 💃🏽😂
I re-read my end of year summary objectivel as if it was someone else, and I realised that you're all right, I have achieved a lot. I need to be kinder to myself and my assessment of capabilities and achievements moving forward. If it was someone else, I would be really excited for them, but as it's for me, I guess I tend to downplay things. But I will definitely try to catch myself when I do that, and please don't be afraid to remind me if I forget.
My last PAD of the year today, with £0.50 into my 50p challenge tin. I've got one for 50p and £2 coins, and I've wiped the trackers clean so that I will use them again from scratch from tomorrow and see what I save in the 2024. I usually store those coins in a tin and then put them towards a holiday.
Someone in my neighbourhood is getting very excited with their firework display and I have a front row seat (well front row recline as I'm lying down in my bed) and I can see the pretty fireworks. My family are coming over around 9 for New Year's Eve. I've still got some tidying up to do, but my son said we can tackle it together from 6-7pm and then I can rest again before everyone comes. So we'll be busy for an hour and then chill.
Happy New Year to everyone and I hope you have a good evening/night 🎉🥳.Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/505 -
have a lovely evening celebrating Keedie. All the best for the new year x
♥️ ♥️ ♥️🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2025 So far 403 / 2025
Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
25 in 25 So far 1 /25
⭐My rambling savings Diary ~⭐1 -
VERY well done on everything you’ve achieved this year Keedie. Also great credit to your son who seems to have turned things around too, with much help for your unerring support.Enjoy this evening and keep remembering or at least trying to remember not to overdo it27/5/17 Mort 64705 BTs 1904031/12/17 Mort 59815 BT 1673007/04/20 Mort 49208 BT 1572128/07/20 Mort 47387 BT 1263414/11/20 Mort 45905 BT 10134 20/05/21 Mort 42335 BT 686811/08/22 Mort 32050 BT 2915Sealed Pot Challenge 16 Number 52
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Happy new year Keedie, and here's to 2024: onwards and upwards!I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/222 -
I thought you’d gone to bed early there 🤣 Happy New Year, hope 2024 is good to you 🙂I get knocked down but I get up again (Chumbawamba, Tubthumping)1
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Morning Keedie, I have just caught up with your diary, impressive work for DS and his exams, I hope these ones go fabulously.You have made such an effort to get him what he needed, amazing parenting! I always find your diary so inspirational, nothing stops you and it is truly impressive to read! What a year debt wise, you have made such massive progress. I also love how you adapt your budget and change it around it make it work better, this feels like a great skill to have, it isn't set in stone! May 2024 be an easier year for you, and you will smash these goals I have no doubt!5
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