We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

My long overdue journey to becoming debt free!!

1…3536384041…43

Comments

  • MissPennySave
    MissPennySave Posts: 433 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    edited 23 August 2024 at 7:40AM
    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  B)
    November 2022 - £46,626.96 / September 2025 - £1,100.00
    Debt paid off so far - £45,526.96 (97.64%)

    Current Challenges:
    #10 DFBXMAS25 £14020.00 / £15120.00 (92.72% 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
  • vampirotoothus
    vampirotoothus Posts: 381 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Fabulous, congratulations V x
  • Aimingforthegoodlife
    Aimingforthegoodlife Posts: 1,146 Forumite
    1,000 Posts Third Anniversary Photogenic Name Dropper
    That is incredible! Congrats for getting under £20k!
  • Sarahwithlove
    Sarahwithlove Posts: 3,408 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper
    Wahooo half way there well done that's great!
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500

    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • MissPennySave
    MissPennySave Posts: 433 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    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  B
    November 2022 - £46,626.96 / September 2025 - £1,100.00
    Debt paid off so far - £45,526.96 (97.64%)

    Current Challenges:
    #10 DFBXMAS25 £14020.00 / £15120.00 (92.72% 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
  • RisingPhoenix1
    RisingPhoenix1 Posts: 76 Forumite
    10 Posts Name Dropper Photogenic
    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****
  • MissPennySave
    MissPennySave Posts: 433 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    RisingPhoenix1 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
    Ahhh thank you  :)  Wishing you a speedy and successful debt free journey!!x
    November 2022 - £46,626.96 / September 2025 - £1,100.00
    Debt paid off so far - £45,526.96 (97.64%)

    Current Challenges:
    #10 DFBXMAS25 £14020.00 / £15120.00 (92.72% 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
  • MissPennySave
    MissPennySave Posts: 433 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    edited 25 October 2024 at 10:46AM
    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 :smile:

    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  B)
    November 2022 - £46,626.96 / September 2025 - £1,100.00
    Debt paid off so far - £45,526.96 (97.64%)

    Current Challenges:
    #10 DFBXMAS25 £14020.00 / £15120.00 (92.72% 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
  • pennywisepoundstupid
    pennywisepoundstupid Posts: 6,280 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Well done that is an impressive amount that you have managed to pay off.
  • MissPennySave
    MissPennySave Posts: 433 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    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   B) 
    November 2022 - £46,626.96 / September 2025 - £1,100.00
    Debt paid off so far - £45,526.96 (97.64%)

    Current Challenges:
    #10 DFBXMAS25 £14020.00 / £15120.00 (92.72% 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
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture