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My long overdue journey to becoming debt free!!
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Merry Christmas, everybody! I hope you all have a wonderful day! 🎄 MPS.xNovember 2022 - £46,626.96 / May 2025 - £5,970.00
Debt paid off so far - £40,656.96 (87.19%)
Current Challenges:
#10 DFBXMAS25 £8670.00 / £15120.00 (57.34% paid off)
Completed Challenges:
#15 DFBXMAS24 £16972.80 / £14000.00 (121.23% paid off) COMPLETED!
#41 DFBXMAS23 £14751.96 / £12000.00 (122.93% paid off) COMPLETED!
MissPennySave's Debt Free Diary - DFW Diary3 -
Merry Christmas!Life 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 £25713
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Hope you are having a lovely time.Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £174.8K Equity 32.77%
2) £2.6K Net savings after CCs 6/7/25
3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
4) FI Age 60 income target £16.5/30K 55.1%
5) SIPP £4.8K updated 29/7/252 -
Morning all! I hope everyone had a lovely Christmas! After 3 NSDs it's back to business today, I managed a couple of surveys so now have £2.60 since my last payout on Xmas eve eve, so hoping to build that up a bit over the rest of the week. I need to pop to the shops today to pick up a few bits, mainly cheese! I am waiting for all my balances to update now that the bank holidays are over. I think that's all for now! Have a great day, everyone. MPS.xNovember 2022 - £46,626.96 / May 2025 - £5,970.00
Debt paid off so far - £40,656.96 (87.19%)
Current Challenges:
#10 DFBXMAS25 £8670.00 / £15120.00 (57.34% paid off)
Completed Challenges:
#15 DFBXMAS24 £16972.80 / £14000.00 (121.23% paid off) COMPLETED!
#41 DFBXMAS23 £14751.96 / £12000.00 (122.93% paid off) COMPLETED!
MissPennySave's Debt Free Diary - DFW Diary2 -
Today is still a bank hol in the UK as Christmas Day was a Sunday. This is where I rely on my trusty spreadsheet, the one thing it can’t do is tell me what day it is, I always lose track over Christmas 😂Life 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 £25713
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I have literally just discovered today is a bank holiday, haha I had no idea!!!xNovember 2022 - £46,626.96 / May 2025 - £5,970.00
Debt paid off so far - £40,656.96 (87.19%)
Current Challenges:
#10 DFBXMAS25 £8670.00 / £15120.00 (57.34% paid off)
Completed Challenges:
#15 DFBXMAS24 £16972.80 / £14000.00 (121.23% paid off) COMPLETED!
#41 DFBXMAS23 £14751.96 / £12000.00 (122.93% paid off) COMPLETED!
MissPennySave's Debt Free Diary - DFW Diary3 -
Morning all, sorry I've been mia, been a busy few days with family and friends!! But on the plus side, they've all been NSDs too! I have managed to get a few surveys in and my account has £4.42 plus I've added another £5.12 to my overpayment pot so that's now up to £198.68 so far for January's overpayment! Not too bad! I think I may have messed up with the last two bank account switches, I opened the HSBC one, then stupidly opened a First Direct account so I bet they will say I'm not eligible now, oh well, you live and you learn, hopefully there might be some other offers next year! Anyway that's all for now! Hope to be back to posting daily again from next week when all the Christmas and New Year madness is over! MPS
x November 2022 - £46,626.96 / May 2025 - £5,970.00
Debt paid off so far - £40,656.96 (87.19%)
Current Challenges:
#10 DFBXMAS25 £8670.00 / £15120.00 (57.34% paid off)
Completed Challenges:
#15 DFBXMAS24 £16972.80 / £14000.00 (121.23% paid off) COMPLETED!
#41 DFBXMAS23 £14751.96 / £12000.00 (122.93% paid off) COMPLETED!
MissPennySave's Debt Free Diary - DFW Diary3 -
It's New Year's Eve!!! I'll be fast asleep at midnight, so I'll say Happy New Year now! We never go out, so it's a nice quiet evening at home with possibly a takeaway. Perfect!I am so excited for what 2023 will bring, mainly a huge reduction in my debt! Talking of which I added another £1.53 to my survey accounts this morning, too!MPS xNovember 2022 - £46,626.96 / May 2025 - £5,970.00
Debt paid off so far - £40,656.96 (87.19%)
Current Challenges:
#10 DFBXMAS25 £8670.00 / £15120.00 (57.34% paid off)
Completed Challenges:
#15 DFBXMAS24 £16972.80 / £14000.00 (121.23% paid off) COMPLETED!
#41 DFBXMAS23 £14751.96 / £12000.00 (122.93% paid off) COMPLETED!
MissPennySave's Debt Free Diary - DFW Diary3 -
Well that was a nice surprise, just checked HSBC and they paid the £200 switch incentive after all! Whohoo! Great end to the year!! MPS x November 2022 - £46,626.96 / May 2025 - £5,970.00
Debt paid off so far - £40,656.96 (87.19%)
Current Challenges:
#10 DFBXMAS25 £8670.00 / £15120.00 (57.34% paid off)
Completed Challenges:
#15 DFBXMAS24 £16972.80 / £14000.00 (121.23% paid off) COMPLETED!
#41 DFBXMAS23 £14751.96 / £12000.00 (122.93% paid off) COMPLETED!
MissPennySave's Debt Free Diary - DFW Diary2 -
It's 2023! Happy New Year, everyone! MPS.x
November 2022 - £46,626.96 / May 2025 - £5,970.00
Debt paid off so far - £40,656.96 (87.19%)
Current Challenges:
#10 DFBXMAS25 £8670.00 / £15120.00 (57.34% paid off)
Completed Challenges:
#15 DFBXMAS24 £16972.80 / £14000.00 (121.23% paid off) COMPLETED!
#41 DFBXMAS23 £14751.96 / £12000.00 (122.93% paid off) COMPLETED!
MissPennySave's Debt Free Diary - DFW Diary2
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