My long overdue journey to becoming debt free!!

dawnybabes

You’re doing really well 🥰🥰🥰

MissPennySave

Happy New Year everyone!!!  I'm a bit late with my monthly check but here goes:

CC1 0% Mar 25 - £16,200.00/£5,680.00
CC2 0% Apr 25 - £10,790.00/£9,440.00 

Debt paid off so far £31,506.96 (67.57% paid off)

Grand total left to pay = £46,626.96/£15,120.00

 MPS.x    

MissPennySave

Morning everyone, I had an unexpected bonus!  So I have added an additional £1000 toward January, so my new balance totals are:

CC1 0% Mar 25 - £16,200.00/£4,680.00
CC2 0% Apr 25 - £10,790.00/£9,440.00 

Debt paid off so far £32,506.96 (69.71% paid off)

Grand total left to pay = £46,626.96/£14,120.00

 MPS.x   

lucielle

What’s your DFD?
L

Sarahwithlove

Wahoo good chunk taken off by the bonus that's handy! 

MissPennySave

lucielle said:

What’s your DFD?
L

If all goes to plan, my August payday should be my final payment,  but I'll do everything I can to make extra payments and try and bring it forward a month!! Either way, it feels so good to be able to say I will be debt free this year!!!x

MissPennySave

Morning everyone, I thought I'd try and be a bit more proactive updating my diary now I am on the homestretch!  Keep myself in check more.  I also relogged into my Pr0lific account and have started doing surveys again, I forgot how addictive it is! I'm up to £20.55 since yesterday already!!    I also checked my credit score, and it's now Excellent! Whohoo!  I know in reality it means nothing but having been at Poor this time last year I see it as a good visual reflection of my efforts!

I've also noticed how my mindset has changed, when I started this journey and looked at my predicted balances, being at the £14k mark seemed like such a small amount, now I am here I can recognise that actually, £14k in debt is actually ALOT!  Granted not as much as £46k, I know, but still alot!  Also, I went back over my credit history and at one point in 2022, before I finally started my diary my debt was £50k+!  That is just a crazy amount and I had definitely buried my head in the sand!  Anyway, I will forever be grateful for the support on this site and helping me to achieve my goal of finally becoming debt free in 2025!!  Here's to 7 months to go!!!!

Anyway, happy Friday everyone and I hope you all have lovely weekends planned, and stay warm!!!!

MPS x

MissPennySave

Morning everyone, payday today so here are my monthly totals for February!!:

CC1 0% Mar 25 - £16,200.00/£3,730.00
CC2 0% Apr 25 - £10,790.00/£9,290.00 

Debt paid off so far £33,606.96 (72.07% paid off)

Grand total left to pay = £46,626.96/£13,020.00

 MPS.x  

bakedbeans2045

I am about to start my debt free journey and I am cheering you on for the last mile!  My numbers are so big and I've carried debt all my life - I worry I am destined to die with a virgin credit card statement in my hand!!!!
But I am about to start my own diary and will follow your last run to the summer as its pretty inspirational!!!

MissPennySave

bakedbeans2045 said:

I am about to start my debt free journey and I am cheering you on for the last mile!  My numbers are so big and I've carried debt all my life - I worry I am destined to die with a virgin credit card statement in my hand!!!!
But I am about to start my own diary and will follow your last run to the summer as its pretty inspirational!!!

Thank you!!! I felt the exact same at the beginning of my journey, I've never known a life without debt since I turned 18 !! I wish you all the very best on your journey and I'll be cheering you along! Anything is possible if you put your mind to it! MPS.x