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My long overdue journey to becoming debt free!!
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Is there any way you could manage small overpayments from Jan to June to get rid of that 0% card then? Perhaps trying the PAD (payment a day) way of doing it, even if it's just a few pennies at a time.
Things seem to be going well and it will be brilliant to be down to just the one CC by this time next year.0 -
Thank you, and yep, I will try and make as many extra payments to the June CC to get that balance down as much as possible. I'm not sure I'll manage to completely clear it by June but any less balance means less interest at least!
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 Diary0 -
Happy Friday everyone, I just cashed out £39.31 on prolific, today is a good day!!!!
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 Diary3 -
That's a brilliant amount! well done!! I never have the patience to save up on there, I always cash out once I'm able to haha
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 #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711 -
I cashed out another £25 this week!! whohoo!!
And also, here is my monthly update:
CC1 0% Jan 24 - £4825.00/£670.00
CC2 0% Jun 24 - £14258.00/£13035.00
CC3 0% Nov 24 - £6456.02/£5410.00
CC4 4.9% May 26 - £16888.98/£13815.00
Debt paid off so far £13696.96
Grand total = £46,626.96/£32,930.00
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 Diary2 -
All heading in the right direction.LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1241 -
Hi, have read through your diary, how fantastic to see you smashing the debt! I think the trying things, like a CC to pay off monthly, is a good way of testing where you are at. It is amazing that you were able to pull yourself back from that as soon as you realised it wasn't working! Keep up the fab work!1
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Hey everyone, a very happy new year to you all!
New Year, same me plugging away at my debts!! Here's the first of this years monthly updates:
CC1 0% Jan 24 - £4825.00/£0.00 CLEARED!!!
CC2 0% Jun 24 - £14258.00/£12890.00
CC3 0% Nov 24 - £6456.02/£5330.00
CC4 4.9% May 26 - £16888.98/£13650.00
Debt paid off so far £14756.96
Grand total = £46,626.96/£31,870.00
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 Diary4 -
Well done for getting rid of cc1 in time!I have just read your full diary, it has been inspiring to watch the numbers go down as the months have went on.1
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Really great work MPS! it’s amazing how well you’re doingLife 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 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25711
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