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My long overdue journey to becoming debt free!!
Comments
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Afternoon all, and happy Friday!! Payday today so checking in with my monthly balance update:
CC1 0% Jun 26 - £10,790.00/£6,970.00
Debt paid off so far £39,656.96 (85.05% paid off)
Grand total left to pay = £46,626.96/£6,970
MPS.x
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 Diary2 -
Morning all!! Payday today so checking in again with my monthly balance update:
CC1 0% Jun 26 - £10,790.00/£5,970.00
Debt paid off so far £40,656.96 (87.19% paid off)
Grand total left to pay = £46,626.96/£5,970
MPS.xI 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 Diary2 -
How's the house purchasing going?*Dad loan - £5300 - £7000
*Virgin Credit Card - £3552.50 - £0
*Natwest - £1828.35 -£0.00
Barclaycard - £2315.25 - £0.00
Creation Finance - £960.32 £760
*Total debt - £7760/£11641.17*
Savings
*Savings Buffer - £500/£1500
*Emergency Fund - £1500/£1500
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/0 -
Don’t askSarahwithlove said:How's the house purchasing going?
our chain collapsed so we are starting all over again now! We have another buyer and we think we’ve found a new property, the uk house buying systems sucks! 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 Diary0 -
Morning all!! Sorry I'm a bit late updating, we've been away on holiday! I'm back now so checking in with my monthly balance update, getting so close to the finish line now!!! :
CC1 0% Jun 26 - £10,790.00/£4,770.00
Debt paid off so far £41,856.96 (89.76% paid off)
Grand total left to pay = £46,626.96/£4,770.00
MPS.x 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 Diary2 -
That is some impressive progress with reducing the debt, well done!1
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Fantastic progress and you are so close. Hope you enjoyed your holiday xJan 18 Joint debts 35,213
Mortgage Jan 18- 77224 nov 25- just over 64k
June 25 Debts in my name were £5170. Now 7150 (Nov 25)1 -
I've worked it out and I have 3 more payments to go, so I will be debt free in time for Christmas!! I can't quite believe it!! It took a few more months than I'd planned but life just happens that way sometimes so I had to make a couple of tweaks along the way but I will get there xI 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 Diary3 -
Wow you have done such an amazing job!!! Just imagine how amazing Christmas will be with no debts
Hopefully we will all be joining you soon enough. Keep up the great work! 1 -
5 days to pay day!! Getting excited as once paid I'll then only have 2 debt repayments left!! I still can't believe I'm finally here! I re-read my first post yesterday and I predicted I'd be debt free by April 2026, I did change this during my journey and brought it forward to August 2025, but life happens, now I'm on track to be debt free by November 2025 so I'm still 5 months ahead of my original plan so I'll take that!! MPS x 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 Diary1
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