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My long overdue journey to becoming debt free!!

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Comments

  • MissPennySave
    MissPennySave Posts: 440 Forumite
    Third Anniversary 100 Posts Debt-free and Proud! Name Dropper
    edited 3 May 2024 at 11:23AM
    Good Morning Everyone!!  And a very Happy Friday to you all!! 

    Checking in with my monthly balances, my tidying up is complete so I now only have 2 CCs, yes 2 CCs!! Whohooo!!

    CC1 0% Mar 25 - £16200.00/£15640.00
    CC2 0% Apr 25 - £10790.00/£10640.00 

    Debt paid off so far £20,346.96

    Grand total left to pay = £46,626.96/£26,280.00

     MPS.x    B) 
    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 Diary
  • lucielle
    lucielle Posts: 11,817 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Looking good. 
    L
    Total 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 #124
  • MissPennySave
    MissPennySave Posts: 440 Forumite
    Third Anniversary 100 Posts Debt-free and Proud! Name Dropper
    edited 31 May 2024 at 8:10AM
    Good Morning Everyone!!  And a very Happy Friday to you all!!  I know it's not June until tomorrow but all my bills are paid so checking in with my monthly balances a day early!!! 

    CC1 0% Mar 25 - £16,200.00/£14,800.00
    CC2 0% Apr 25 - £10,790.00/£10,490.00 

    Debt paid off so far £21,336.96 (45.76% paid off)

    Grand total left to pay = £46,626.96/£25,290.00

     MPS.x    B 
    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 Diary
  • dawnybabes
    dawnybabes Posts: 3,620 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Going down well 🥰🥰
    Sealed pot challenge 822

    Jan - £176.66 :j
  • MissPennySave
    MissPennySave Posts: 440 Forumite
    Third Anniversary 100 Posts Debt-free and Proud! Name Dropper
    Morning everyone, payday today so all my bills are paid, so I can check in with my balance updates for July now, here goes:

    CC1 0% Mar 25 - £16,200.00/£13,190.00
    CC2 0% Apr 25 - £10,790.00/£10,340.00 

    Debt paid off so far £23,096.96 (49.53% paid off)

    Grand total left to pay = £46,626.96/£23,530.00

     MPS.x     B) 
    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 Diary
  • twiggy86
    twiggy86 Posts: 2,706 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Well done for paying off over half your debt!!!! 
    Debt as at 5 June 2023 - £15,600.89
    Current debt - £5,100
    Total paid off - £10,500.89 (67% paid off)
  • Sarahwithlove
    Sarahwithlove Posts: 3,478 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Amazing achievement, you must be pleased to know an end is in sight. 
    *Dad loan - £5300 - £7000
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00
    Barclaycard - £2315.25 - £0.00
    Creation Finance - £960.32 £0
    Tesco Credit Card - £3652.32 £3270.54

    *Total Debt - £10370.54/£15293.48*


    Savings
    *Sinking Fund - £2064.85/£3000
    *Emergency Fund - £2500/£2500

    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,621 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    Well done! 
    ♥️ ♥️ ♥️
    🌸🌸🌸🌸🌸🌸🌸🌸
    Decluttering 2025 So far 403 / 2025
    Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
    25 in 25 So far 1 /25

    ⭐My rambling savings Diary ~⭐
  • BadBookkeeper
    BadBookkeeper Posts: 849 Forumite
    Eighth Anniversary 500 Posts Debt-free and Proud! Name Dropper
    Keep at it ☺️
    Lightbulb moment - 17/08/2017 £17,033.  DFD 31/7/24 🥳. 

    Round 2 - 8/12/25 £3,660 
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