We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
My long overdue journey to becoming debt free!!
Options
Comments
-
Morning everyone, I think it's Thursday today!!
A small win for me today, I almost spent £7 on a shelf, my husband got me a gorgeous Christmas present that I needed to put up high somewhere so my crazy 2 year old can't get her grubby mits on it, anyway I was just about to complete the purchase when I remembered "shop at home before buying something", so off I went to the garage and lo and behold I found a brand new pack of 2 white shelfs, so the shelf has now been fixed to the wall and my Christmas present is safe and on show!
What was very close to becoming a spending day will now hopefully be a NSD day!
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 Diary4 -
This is great! Well doneMissPennySave said:Morning everyone, I think it's Thursday today!!
A small win for me today, I almost spent £7 on a shelf, my husband got a gorgeous Christmas present that I needed to put up high somewhere so my crazy 2year old can't get her grubby mits on it, anyway I was just about to complete the purchase when I remembered "should shop at home before buying something", so off I went to the garage and lo and behold I found a brand new pack of 2 shelfs, so the shelf has now been fixed to the wall and my Christmas present is safe and on show!
What very close came to a spending day will now hopefully be a NSD day!
MPS x
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 -
Morning and happy new year to you.
I have just caught up on your diary and some time away from reading, and well done on your achievement's so far, cash still in account on payday, bank switches and a potential spending disaster averted by way of shelving!
Keep it up, you have a great mindset which will steer you on the path to financial freedom!
Shell xDebt Free - 04/03/23. Total LBM August 2021 £15410.70
3 -
@shell16 Thank you! I really have had a total reset when it comes to anything financial. Better late than never right!!!! 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 -
Morning everyone, and a very happy FRIDAY to you all! Not much planned for today, lots of work to do, still catching up on washing and I have some housework to do as well. Oh that is actually alot planned Spending wise I need to pop out and get some bananas and a birthday card but I think that's all for today.
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 -
Ending the day as a NSD (I found a birthday card in the drawer in the end) and I had one small glass of wine with dinner! MPS.xEdit: ha just realised I was supposed to buy bananas which I forgot about so I'll get them tomorrow instead!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 -
Woop great news MPS! Congrats on the shelf and NSDs
4 -
Morning all and happy Saturday, other than the bananas I forgot to get yesterday, today should hopefully be a NSD!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 -
Morning everyone, what a lovely weekend that was! The only thing I brought was bananas! So I'm classing that as a NSW!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 -
⭐ Well done on only buying the bananas.
Making a shopping list and sticking to it can make a huge difference in reducing our spending.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 family3
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.1K Banking & Borrowing
- 253.2K Reduce Debt & Boost Income
- 453.6K Spending & Discounts
- 244.1K Work, Benefits & Business
- 599.1K Mortgages, Homes & Bills
- 177K Life & Family
- 257.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards