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Progress not Perfection
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It’s much colder here than yesterday but beautifully sunny.I save my Morrisons voucher until Christmas….i don’t shop in there nearly as often as I did but still clocked up £40. And virtually £40 as Asda. It was quite nice doing free shops of treats before Christmas.January spends - £587.583
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Hi all, long time lurker here but have never commented. Sorry for jumping on this thread but just wanted to say I have followed all the Members on here for a long time and have gained a massive amount of inspiration from you all for my own debt busting journey. I have picked up on money saving tips and crazily in a way feel like I know you all. I have now plucked up the courage to start my own thread but just wanted to say thank you for the updates and insights which have helped my own journey so far. Keep up the good work.Total debt April 2024 (lightbulb moment) - £70700
Current debt 24th Apr 2025 - £59789 / £70700 (15.43% paid)
Debt paid aim 2025 - £2520 / £10000 (25.20% paid)
Emergency Fund - £250 / £100011 -
Paydaypayback said:Hi all, long time lurker here but have never commented. Sorry for jumping on this thread but just wanted to say I have followed all the Members on here for a long time and have gained a massive amount of inspiration from you all for my own debt busting journey. I have picked up on money saving tips and crazily in a way feel like I know you all. I have now plucked up the courage to start my own thread but just wanted to say thank you for the updates and insights which have helped my own journey so far. Keep up the good work.I get knocked down but I get up again (Chumbawamba, Tubthumping)6
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I've done a couple of MSE type things this lunchtime:
- Upped the mortgage overpayment by £50 to ensure it's paid off by the end of the year. I managed to do this via the banking app so saved me phoning them.
- Opened a new YBS Christmas Saver, been waiting for this one to come back out. £150 maximum duly sent over.
I get knocked down but I get up again (Chumbawamba, Tubthumping)15 -
That's lovely to be acknowledged again xSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x2 -
Well done on your reward, how nice that people get to recognise the extra work that you do.
And thanks for the heads up on the YBS Christmas saver - have just set mine up thanks to youLD 12.25 £1600.00/£0700.00 Fn £274.00 LTFn £525 LLTFn £300
Renewal 25 £500.00/£500.00 InsH 12.25 £600/£600.00 InsP 03.26 £150/£150.00
NPt 12.25 £150.00/£051.50 Ins/TC 02.26 £550/£470.00
YX25 £1500/£0750 FD £3600/£0600
PX25 £1500/£0625 P6m £1200/£0800 PEa £100/£0602 -
What a nice thing to receive. Any plans for how you'll spend it yet?!
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Lovely to get the reward!"If you can dream it, you can do it". Walt Disney2
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Thanks for the heads up on the saver. Opened mine.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.3 -
PennysIntoPounds said:What a nice thing to receive. Any plans for how you'll spend it yet?!I get knocked down but I get up again (Chumbawamba, Tubthumping)7
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