We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a very Happy New Year. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 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!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
My long overdue journey to becoming debt free!!
Comments
-
Thank you, I needed to hear that!! Feeling much better now, I think it was because I hadn't spent that much money in one go for a while now and it just worried me, but your right, £40 for a full day out making memories was worth every penny!!!! 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 -
It's hard to find the balance, but you'll get there I promise xMissPennySave said:Thank you, I needed to hear that!! Feeling much better now, I think it was because I hadn't spent that much money in one go for a while now and it just worried me, but your right, £40 for a full day out making memories was worth every penny!!!! MPS.xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4055/£60002 -
Evening all, not much to report today, a NSD and I have some DDs coming out tomorrow so excited to see the balances start going down again!I actually ended up returning the coat, it wasn't all that well made and I've decided to just wash my trusty Cotton Traders coat I bought 6 years ago in sale and move on with my life!
Maybe I'll get one for next year, if I'm savvy I might get a decent one come spring time in the sales! 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 Diary3 -
Morning all (just!) Still here and still full of cold, now it's moved to my sinuses, fun times!! I need to go and buy some medicine to get me through but other than that no other plans to spend any money today, I may well have some wine tonight, medicinal purposes of course anything to numb the pain in my face! 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 Diary2 -
Get well soon MPS! Wine is a good medicine!
Shell xDebt Free - 04/03/23. Total LBM August 2021 £15410.70
2 -
@shell16 okay I'm sold, wine it is!!!!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 -
Awww I hope you're feeling better soon! I've had it on and off for ages now. I agree that the wine will do you good xxLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4055/£60002
-
One of my biggest money saving things is buy items out of season - you save an absolute fortune. I bought a pair of S0rel boots in the summer one year for £29 from Am’zon so worth looking for a winter coat mid year. I also buy summer holiday clothes - for DD mainly it should be said- in the winter sale as that’s when they’re really at the end of season.MissPennySave said:Evening all, not much to report today, a NSD and I have some DDs coming out tomorrow so excited to see the balances start going down again!I actually ended up returning the coat, it wasn't all that well made and I've decided to just wash my trusty Cotton Traders coat I bought 6 years ago in sale and move on with my life! Maybe I'll get one for next year, if I'm savvy I might get a distant one come spring time in the sales! MPS xCredit Card 1 - £6249.99 £4,900
Credit Card 2 - £13,481.47 £12,985
Total debt - £19,731.46 £17,885
Emergency fund £9303 -
I'm still ill....this is like some kind of super cold!!!! Anyway, totally forgot to do my online grocery shop so I now have to go out and do it, and walk the dog too, so I have decided I don't like being an adult today! I might nap later.....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 -
Bless you! I hope you're feeling better soon lovely. If I had forgotten the online shop and had to go out unwell I think I'd do a click and collect or delivery for tomorrow and then just pick up a few bits for today. Nobody needs to be trudging round the supermarket when they're unwell
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 #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4055/£60001
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 353K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.8K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 260K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards