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My long overdue journey to becoming debt free!!
Comments
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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 I AM DEBT FREE!!!!!! (as at 24.10.25)
November 2022 - £46,626.96 / November 2025 - £0.00
Debt paid off - £46,626.96 (100%)
Completed Challenges:
#10 DFBXMAS25 £15120.00 / £15120.00 (100% paid off) COMPLETED!
#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 #017EF £1000/£1000 | Sabbatical £3677/£60003 -
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
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@shell16 Thank you! I really have had a total reset when it comes to anything financial. Better late than never right!!!! x I AM DEBT FREE!!!!!! (as at 24.10.25)
November 2022 - £46,626.96 / November 2025 - £0.00
Debt paid off - £46,626.96 (100%)
Completed Challenges:
#10 DFBXMAS25 £15120.00 / £15120.00 (100% paid off) COMPLETED!
#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 I AM DEBT FREE!!!!!! (as at 24.10.25)
November 2022 - £46,626.96 / November 2025 - £0.00
Debt paid off - £46,626.96 (100%)
Completed Challenges:
#10 DFBXMAS25 £15120.00 / £15120.00 (100% paid off) COMPLETED!
#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!I AM DEBT FREE!!!!!! (as at 24.10.25)
November 2022 - £46,626.96 / November 2025 - £0.00
Debt paid off - £46,626.96 (100%)
Completed Challenges:
#10 DFBXMAS25 £15120.00 / £15120.00 (100% paid off) COMPLETED!
#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
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Morning all and happy Saturday, other than the bananas I forgot to get yesterday, today should hopefully be a NSD!MPS xI AM DEBT FREE!!!!!! (as at 24.10.25)
November 2022 - £46,626.96 / November 2025 - £0.00
Debt paid off - £46,626.96 (100%)
Completed Challenges:
#10 DFBXMAS25 £15120.00 / £15120.00 (100% paid off) COMPLETED!
#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 xI AM DEBT FREE!!!!!! (as at 24.10.25)
November 2022 - £46,626.96 / November 2025 - £0.00
Debt paid off - £46,626.96 (100%)
Completed Challenges:
#10 DFBXMAS25 £15120.00 / £15120.00 (100% paid off) COMPLETED!
#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
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