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My long overdue journey to becoming debt free!!
Comments
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Wow, very exciting. How do you plan to celebrate and what is your next goal? V x1
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Only one more payment to go, that must feel wonderful.
Once you have made your final debt payment what is the plan for the £1100 going foward?Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family1 -
If I am honest, I still can't believe I am actually here!! It seemed so far away when I started my journey!!! I have no idea how I'll celebrate, probably just by taking a deep breath and patting myself on the back!
Well, my plan going forward is to save £1000 a month, I am very excited to finally be able to see my saving account grow! I'll see how that goes for a few months then I can adjust accordingly, my plan is to just save save save and see where it takes me. 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 -
WOW! you are so close now to being debt free, well done.2
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Sounds like a good plan while you get your bearings.MissPennySave said:If I am honest, I still can't believe I am actually here!! It seemed so far away when I started my journey!!! I have no idea how I'll celebrate, probably just by taking a deep breath and patting myself on the back!
Well, my plan going forward is to save £1000 a month, I am very excited to finally be able to see my saving account grow! I'll see how that goes for a few months then I can adjust accordingly, my plan is to just save save save and see where it takes me. MPS x
You will have cleared a huge amount in less than 3 years.Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family2 -
Morning all!! So this is it! My very last monthly check in!!! I cannot believe I am saying this BUT I AM DEBT FREE!!!! I did it, it's been a journey with plenty of ups and downs but I stuck at it and am so very very proud of myself, I've grown as a person, my outlook on life has shifted and I could not be happier! Giving myself a pat on the back and taking a big debt free breath/sigh of relief this morning! For completion, below is my current balance update:
CC1 0% Jun 26 - £10,790.00/£0.00
Debt paid off £46,696.96 (100% paid off)
Grand total left to pay = £46,626.96/£0.00
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 Diary1 -
Wonderful news, give yourself a reward, you’ve earned itMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 11st 12lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough for now.1
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Brilliant!!!
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1241 -
Congratulations - that's an amazing feat!1
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Fantastic, well done!1
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