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My long overdue journey to becoming debt free!!
Comments
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Just found your diary MPS and can see we have a lot in common. its great to read how well you are doing. Do you feel like tracking it all helps with motivation? Can I please ask about your survey sites? I just got accepted to prolific. but what is PA? thanks xxJan - x2 Wins, Feb -0
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I think PA is what is now called Prolific. It used to be called Prolific Academy.
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Exactly this, sorry. Old habits die hardjoedenise said:I think PA is what is now called Prolific. It used to be called Prolific Academy.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/£60001 -
oh thank you! Prolific is going well ,so just wondered if there was something else to tryJan - x2 Wins, Feb -1
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Sorry for the delay in replying!!! I have also used Curious Cat and Qmee in the past which were pretty good, but Prolific is far betterBusterboo_2 said:oh thank you! Prolific is going well ,so just wondered if there was something else to try
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 Diary0 -
Morning everyone, it's that time again so checking in with my monthly balances:
CC1 0% Jan 24 - £4825.00/£1635.00
CC2 0% Jun 24 - £14258.00/£13180.00
CC3 0% Nov 24 - £6456.02/£5490.00
CC4 4.9% May 26 - £16888.98/£13970.00
Debt paid off so far £12351.96
Grand total = £46,626.96/£34,275.00
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 Diary1 -
Well done in what you've paid off so far! It's brilliant
What plans do you have for the cards with offers ending in Jan?
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 #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60001 -
The CC ending in Jan will be paid off in December, and the one ending in June will have a small balance left which takes me 2months over when the 0% ends so I will work out the fee to balance transfer the balance vs the cost of interest of making the 2 final payments and see which is cheaper. All the other cards will be cleared before the 0% promotions end 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 Diary1 -
That’s fantastic!
My bad, I read the Jun as Jan too 🤷🏻♀️
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 #41 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £3677/£60001 -
Thank you, if all goes to plan, this time next year I will only have 1 CC with a balance on it!! I am so excited for it!!!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 Diary1
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