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My long overdue journey to becoming debt free!!

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  • MissPennySave
    MissPennySave Posts: 421 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    edited 30 January 2023 at 10:38AM
    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.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 Diary
  • 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.x
    It's hard to find the balance, but you'll get there I promise x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • MissPennySave
    MissPennySave Posts: 421 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    edited 2 February 2023 at 11:24AM
    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! :D 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 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 Diary
  • 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  :D anything to numb the pain in my face! 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 Diary
  • shell16
    shell16 Posts: 1,354 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Get well soon MPS!  Wine is a good medicine!
    Shell x
                                                                                             

     Debt Free - 04/03/23.  Total LBM August 2021 £15410.70

  • @shell16 okay I'm sold, wine it is!!!!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 Diary
  • 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 xx
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
  • CL21
    CL21 Posts: 253 Forumite
    Seventh Anniversary 100 Posts Name Dropper
    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! :D 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 x
    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. 
    Credit Card 1 - £6249.99 £4,900
    Credit Card 2 - £13,481.47 £12,985

    Total debt - £19,731.46 £17,885

    Emergency fund £930
  • 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.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 Diary
  • 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 x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £2571
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