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New fresh diary for 2023!
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Thanks!Humdinger1 said:Huge progress @BlueJ94! I hope you're pluming yourself love Humdinger x
Any extra money I make is going straight to CCs now. So hopefully get them sorted asapI’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;*update pending as I've no idea*
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #
Pay off all your debts by Christmas 2026! #141 -
Evening all,
I need some saving ideas. I need to save for this deposit and I've basically lost all track and have 0 funds. My pay increase is a 6% rise from April 1st so need to get my bum into gear!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;*update pending as I've no idea*
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #
Pay off all your debts by Christmas 2026! #140 -
You’re always welcome back on the cash envelope challenge xLife gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #7 | Cash envelope challenge #01 | SPC #017EF £1000/£1000 | Sabbatical £4055/£60001
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Hi Jade,
Perhaps post an updated SOA on here so you can get back in to the details and nitty gritty to refresh yourself?If you believe you can, you will. If you believe you can't, you won't.
Secured/Unsecured loans x 1
Credit Cards x 8 (total limit £55,050)
Creation FS Retail Account x 1
Creation Credit Sale 0% x 1 = £112.50pm x 20 mths
0% Overdraft x 1 (£0 / £250)
Mortgage Outstanding - £137,707.00 (Payment 13/360)
Total Debt = £7,400 (0%APR) @ £100pm - Stoozing2 -
Have a look at Limited access savings accounts - they usually provide a better rate than traditional easy access but at the cost of only being able to make a certain number of withdrawals without penalty in the year. I'd say that if you have an account which pays a reasonable rate of monthly interest as you start to put money in, and see the total grow, AND the interest being added on monthly, this will act as a real incentive.
If your current expenses are covered by your existing salary, you could also put all of the additional amount coming in via the pay rise into savings - as ever, save at the beginning of the month so you see it as a solid commitment too.
First though - are you paying interest on credit cards? If so, then you know the drill - get those dealt with first!
🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
Balance as at 31/08/25 = £ 95,450.00
£100k barrier broken 1/4/25SOA CALCULATOR (for DFW newbies): SOA Calculatorshe/her1 -
My current savings is 6% rate, yep plan of action for the credit cards is get them gone!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;*update pending as I've no idea*
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #
Pay off all your debts by Christmas 2026! #140 -
How are you @BlueJ94? Only just found your diary
. How are your gorgeous doggies? Tesco: £1361.19, Vanquis: £2644.73, Very: £563.08, Next: £1636.95, M&S: £1049.92. As of 5th February 2024. Slava Ukraini2 -
I'm good, just stressed with work and trying to save for a house whilst trying to get rid of catalogue debts! They're great thanksBagpuss741 said:How are you @BlueJ94? Only just found your diary. How are your gorgeous doggies?
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;*update pending as I've no idea*
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #
Pay off all your debts by Christmas 2026! #141 -
Evening all,
Apologises at the lack of posts etc. I've been away with lots going on, I'd like to say I'm debt free but I'm not. I still have a little way to go yet, hopefully before the end of this year.
Landlord finally fixed the leaking roof, my car has been broke and still broke needs a new clutch and also needs to be recovered. Dreading to think how much its going to cost but haven't had it done as I use the works van to and from work.
I've kept to my meal planning but I did splash out and buy the ninja foodi from amazon in the prime deals. £169.99 bargain!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;*update pending as I've no idea*
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #
Pay off all your debts by Christmas 2026! #141 -
Oh also, forgot to mention Studio owe me money from poor management on their end years ago, which was transfered to moorcroft to then be transfered back to Studio so hopefully hear some news soon.
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;*update pending as I've no idea*
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #
Pay off all your debts by Christmas 2026! #141
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