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My long overdue journey to becoming debt free!!
Comments
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That's great, bright 2026 ahead for you. Debts gone and a new property hopefully*Dad loan - £7000 - £7000
*Tesco Credit Card (0% 9/9/27) - £3623.18 - £3623.18
*Nationwide Loan - £11,000 -£11000.00
*Total Debt - £21623.18/£21623.18*
Savings
*Sinking Fund - £1400/2000
*Emergency Fund - £0/£3000
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/1 -
Morning all!! I totally forgot it was a Bank Holiday on Monday, so I actually got paid today, sooooo checking in with my monthly balance update, 2 more payments to go!! :
CC1 0% Jun 26 - £10,790.00/£3,000.00
Debt paid off so far £43,626.96 (93.56% paid off)
Grand total left to pay = £46,626.96/£3,000.00
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 -
Whoop! Exciting times aheadSealed pot challenge 822
Jan - £176.66 :j1 -
Brilliant.. well donePenny wise pound foolish. 366 days 1p challenge 2020/21/22/23/24/25 completed.
No.12 52 week envelope challenge 2026
No.12 1p a day savings challenge 2026.1 -
Looking good. Nearly thereMissPennySave said:Morning all!! I totally forgot it was a Bank Holiday on Monday, so I actually got paid today, sooooo checking in with my monthly balance update, 2 more payments to go!! :
CC1 0% Jun 26 - £10,790.00/£3,000.00
Debt paid off so far £43,626.96 (93.56% paid off)
Grand total left to pay = £46,626.96/£3,000.00
MPS.x Jan 18 Joint debts 35,213
Mortgage Jan 18- 77224 Jan 26- just under 64k
June 25 Debts in my name were £5170. Now 5178 (Jan 26)
DH debts ?? at a guess £15k2 -
24 days until my next payday, I am seriously on the countdown now! Going to push hard to see if I can reduce my final payment slightly! 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 Diary1 -
Well donePenny wise pound foolish. 366 days 1p challenge 2020/21/22/23/24/25 completed.
No.12 52 week envelope challenge 2026
No.12 1p a day savings challenge 2026.1 -
What fab work! So close now!1
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I know in reality your credit score means nothing, but today I finally hit a perfect 999 on Experian!
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!! Okay here we go, the penultimate update!!!! Sooooo checking in with my monthly balance update, 1 more payment to go!! :
CC1 0% Jun 26 - £10,790.00/£1,100.00
Debt paid off so far £45,526.96 (97.64% paid off)
Grand total left to pay = £46,626.96/£1,100.00
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 Diary3
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