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What's been your biggest MoneySaving success of 2022?

Please let me know what money moments you're proud of from this year. Let's celebrate each other's successes.

It doesn't have to be anything as large as clearing your debt; it could be taking a first step such as starting a debt-free diary, or finding a smart way of shaving down a bill.

Thank you.
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Comments

  • RobM99
    RobM99 Posts: 2,607 Forumite
    Seventh Anniversary 1,000 Posts Photogenic Name Dropper
    2022?   All but giving up coffee etc out. At one point I was paying out £25 a week!
    Now a gainfully employed bassist again - WooHoo!
  • clearing all my debts apart from one which is with a debt collector and i have no intention of paying that one at all.
  • Checking on all our direct debits, cancelling any not used and reducing our gym membership bill and haggling Virgin Media and Sky down. 
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
  • herebeme said:
    Learning on these boards about budgeting for annuals was a revelation. 

    I thought I was good at managing my money but realised I just put big expenses on the card and then pay them off the next month rather than plan for them. But about to have an income drop and that won’t be possible soon. Have now got Zopa and Chase and am doing pots. 

    The debt boards are full of so much useful advice for everyone, I can’t believe I’ve been reading MSE for over 10 years but never looked at the debt boards until a few months ago. 


    Budgeting for annuals on a monthly basis is definitely the biggest change this year. 
  • BlueJ94
    BlueJ94 Posts: 2,645 Ambassador
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    edited 1 January 2023 at 4:13PM
    Finally realising that tackling my debt isn’t all doom and gloom! I started at just over 6k in debt not knowing what to do and now having just £295 to pay by the end of January. Also learning more about how to deal with debt and there’s actually decent companies who can help by offering part settlements.

    oh and being a volunteer on here! 
     I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    Debt owed;

    Salad Money - £1084.09/£1200 Zopa £100/ £200 JAJA - £835.93/ £900 Monzo £342.45/ £500 Capital £169.40/ £200 Zable - £735.15/ £800 Fashion World £480/ £700 = £3,747.02

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