Pots To Be Filled:
Car Insurance: £0/£450
Festival Aug 2025: £0/£450
Holiday 2025: £0/£500
Emergency Fund: £0/£500
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My long overdue journey to becoming debt free!!
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Morning everyone, payday today so here is my monthly check in and my balance updates for September:
I have made it into the next bracket and am finally out of the £20ks!! Whohoo!!
CC1 0% Mar 25 - £16,200.00/£9,950.00
CC2 0% Apr 25 - £10,790.00/£10,040.00
Debt paid off so far £26,636.96 (57.04% paid off)
Grand total left to pay = £46,626.96/£19,990.00
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 Diary3 -
Fabulous, congratulations V x0
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That is incredible! Congrats for getting under £20k!0
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Wahooo half way there well done that's great!*Dad loan - £5300 - £7300
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£400
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £860
*Total debt - £8560/£11641.17*
Savings
*Savings Buffer - £1000/£1500
*Emergency Fund - £1000/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/0 -
Good Morning everyone, what a miserable day it is today!!! But it's also payday today so here is my monthly check in and my balance updates for October:
I am on holiday this month and I had an unexpected bill so I am just making the minimum payments this month, which is a shame, but it's a nice position to be able to do it without having to use any credit so there is that!! Anyway, here goes for October:
CC1 0% Mar 25 - £16,200.00/£9,340.00
CC2 0% Apr 25 - £10,790.00/£9,890.00
Debt paid off so far £27,396.96 (58.75% paid off)
Grand total left to pay = £46,626.96/£19,230.00
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 -
I have just read through your whole diary and in awe of how much you have achieved and how hard you have worked
gives me hope that I can stick to my debt free plan this time too! X Debt Total Sept 24 - £9532.26 - Current Total - £8992.89 - Percentage Paid 5.65%
Pots To Be Filled:
Car Insurance: £0/£450
Festival Aug 2025: £0/£450
Holiday 2025: £0/£500
Emergency Fund: £0/£500****TARGET DEBT-FREE DATE 01/07/2026****2 -
Ahhh thank youRisingPhoenix1 said:I have just read through your whole diary and in awe of how much you have achieved and how hard you have worked gives me hope that I can stick to my debt free plan this time too! X Wishing you a speedy and successful debt free journey!!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 Diary1 -
Morning everyone, and a very happy Friday to you all!! Another payday today so here is my monthly check in and my balance updates for November
CC1 0% Mar 25 - £16,200.00/£7,480.00
CC2 0% Apr 25 - £10,790.00/£9,740.00
Debt paid off so far £29,046.96 (62.29% paid off)
Grand total left to pay = £46,626.96/£17,580.00
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 -
Well done that is an impressive amount that you have managed to pay off.1
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Good Morning everyone, and a very Happy Monday!!! Payday again today so here is my monthly check in and my balance updates for December:
CC1 0% Mar 25 - £16,200.00/£6,290.00
CC2 0% Apr 25 - £10,790.00/£9,590.00
Debt paid off so far £30,746.96 (65.94% paid off)
Grand total left to pay = £46,626.96/£15,880.00
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
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