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My long overdue journey to becoming debt free!!
Comments
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I don't blame you, when my financial mess if over I will treat us to a winter break I think!!!!x
Edit: obviously paid for with real money too
November 2022 - £46,626.96 / September 2025 - £3,000.00
Debt paid off so far - £43,626.96 (93.56%)
Current Challenges:
#10 DFBXMAS25 £12120.00 / £15120.00 (80.15% 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 -
There's a new Lloyds bank £200 switch offer so I've just done that! Pays out within 3 days so hopefully it'll hit before the end of the month
x November 2022 - £46,626.96 / September 2025 - £3,000.00
Debt paid off so far - £43,626.96 (93.56%)
Current Challenges:
#10 DFBXMAS25 £12120.00 / £15120.00 (80.15% 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 -
Can definitely recommend it!MissPennySave said:I don't blame you, when my financial mess if over I will treat us to a winter break I think!!!!x
Edit: obviously paid for with real money tooLife 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 £6991 | EF £1000/£1000 | Sabbatical £3530/£6000 | Travel savings £1828 | Sinking pots £28272 -
Oooooh just received £175 for the First Direct switch I didn't think I was going to get. Off to send £115 to CC4. I am keeping £60 as a buffer in case things get tight towards the end of the month.xNovember 2022 - £46,626.96 / September 2025 - £3,000.00
Debt paid off so far - £43,626.96 (93.56%)
Current Challenges:
#10 DFBXMAS25 £12120.00 / £15120.00 (80.15% 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 Diary1 -
Morning everyone, and happy Friday!! So my plans for today are, other than work, to do as little as possible which should also mean a NSD. I'm undecided whether to have a glass of wine tonight or not yet, I'll see how I feel later. Hope everyone has a good day! MPS
x November 2022 - £46,626.96 / September 2025 - £3,000.00
Debt paid off so far - £43,626.96 (93.56%)
Current Challenges:
#10 DFBXMAS25 £12120.00 / £15120.00 (80.15% 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 Diary1 -
Nice work on the FD switch. I moved to them and so far I’ve been really impressedLife 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 £6991 | EF £1000/£1000 | Sabbatical £3530/£6000 | Travel savings £1828 | Sinking pots £28272
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I'm definitely keeping the FD account open, I'm currently hooked on Starling for my spending and saving account, I love it!My main bank is Natwest, I've had my account with them since I was 14 and I just cant let it go!November 2022 - £46,626.96 / September 2025 - £3,000.00
Debt paid off so far - £43,626.96 (93.56%)
Current Challenges:
#10 DFBXMAS25 £12120.00 / £15120.00 (80.15% 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 Diary1 -
I was like that with Yorkshire bank for years, until I realised they were actually quite rubbishMissPennySave said:I'm definitely keeping the FD account open, I'm currently hooked on Starling for my spending and saving account, I love it!My main bank is Natwest, I've had my account with them since I was 14 and I just cant let it go!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 £6991 | EF £1000/£1000 | Sabbatical £3530/£6000 | Travel savings £1828 | Sinking pots £28271 -
Yep having now opened all these new accounts, Natwest is definitely behind the times!!!November 2022 - £46,626.96 / September 2025 - £3,000.00
Debt paid off so far - £43,626.96 (93.56%)
Current Challenges:
#10 DFBXMAS25 £12120.00 / £15120.00 (80.15% 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 I'm calling today an official NSD early, I'm not going anywhere except to bed later so I think it's safe to call it now!
MPS.xNovember 2022 - £46,626.96 / September 2025 - £3,000.00
Debt paid off so far - £43,626.96 (93.56%)
Current Challenges:
#10 DFBXMAS25 £12120.00 / £15120.00 (80.15% 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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