I can see the light at the end of the tunnel, now my saving journey begins!

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shell16
shell16 Posts: 1,354 Forumite
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edited 29 March at 1:32PM in How much have you saved?
I am nearing the end of my debt free journey with just 48 days to go before I reach financial freedom!  Its been a long time coming and I have hit many bumps on the road to get here.  As I am close to paying off the last part of my debt I have been thinking about what to do and how I can get there in terms of my goals when I am debt free.  I so cannot wait! Its been a long 18 months so far!

I have various Goals I want to achieve and I plan to use this platform to record my Savings Journey when I become debt free next month.  I really like the idea of a diary and I think having one over on the Debt Free Wannabe Board has kept me on the straight and narrow :lol:

Thanks for any support along the way.  I will update again soon
Shell x
                                                                                         

 Debt Free - 04/03/23.  Total LBM August 2021 £15410.70

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Comments

  • MovingForwards
    MovingForwards Posts: 16,925 Forumite
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    Welcome to the next stage and making plans.
    Mortgage started 2020, aiming to clear it in 2026.
  • ~FlowerPot~
    ~FlowerPot~ Posts: 1,016 Forumite
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    well done, this is a very exciting stage for you. Bet you cant wait to clear the debt once and for all!!
    ♥️2024 challenges
    #4 365 1p a day challenge 2024 ~ £295/£760🌸
    #6 £1 a day challenge 2024 ~ £152/366 🌸 Decluttering 2024🎖️🎖️🎖️🏅🏅🥇🌸 DS2🏅🏅DD 🥇🌸 #2 52 week Cash stuffing challenge 🌸
    PA challenge £60 a month - Jan ✅ /Feb ✅/Mar ✅ /Apr/May/ Jun/Jul/Aug /Sep/Oct/Nov/Dec 🌸
    My savings journey ~ https://forums.moneysavingexpert.com/discussion/6429570/saving-lots-in-pots/p1
  • doingitanyway
    doingitanyway Posts: 8,764 Forumite
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    You have done so well. When I became DF I felt a bit aimless. Paying off debt is hard but somehow exciting because goals are being achieved. Making savings your new mission so soon after debt is an excellent idea. Good luck with it all.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.

    Solicitor/survey savings 300/1700
    Emergency fund 0/1000
    Buffer fund 0/200
  • Skint_yet_Again
    Skint_yet_Again Posts: 7,573 Forumite
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    The countdown to financial freedom is on! I look forward to following the rest of your journey 
    0% credit card £1360 & 0% Car Loan £7500 ~ paid in full JAN 2020 = NOW DEBT FREE 🤗
    House sale OCT 2022 = NOW MORTGAGE FREE 🤗
    House purchase completed FEB 2023 🥳🍾 Left work. 🤗

    Retired at 55 & now living off the equity £10k a year (until pensions start at 60 & 67).

    Previous Savings diary https://forums.moneysavingexpert.com/discussion/5597938/get-a-grip/p1

    Living off savings diary
    https://forums.moneysavingexpert.com/discussion/6429003/escape-to-the-country-living-off-savings/p1
  • LittleMissDetermined
    LittleMissDetermined Posts: 8,072 Forumite
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    Huge congrats @Shell16 on becoming debt free! You'll be building on your savings in no time :)
    LMD x
    Life gets in the way...PADding is addictive...Saving's better than spending...
    My savings diary - Now for a healthier, wealthier me
    2024 1p challenge #11 | Cash envelope challenge #01 | SPC #017
    Sealed pot 2024 £2551.68 | EF £1000/£1000 | Sabbatical £970/£3000 | Holiday spends £540 | General Saver £2422.48
  • lucielle
    lucielle Posts: 10,736 Forumite
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    Happy new diary. Lurking. 
    L
    Total 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 #124
  • joedenise
    joedenise Posts: 16,560 Forumite
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    Followed you over from your DFW diary and have bookmarked.

    Are you going to continue doing the surveys?  Would be good to have a savings account just for those so you can see how well you're doing!

  • MissPennySave
    MissPennySave Posts: 379 Forumite
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    Happy new diary!! I've parked myself for the next chapter of your journey!!x
    November 2022 - £46,626.96 / April 2024 - £27,620.00
    Debt paid off so far - £19,006.96 (40.76%)

    Current Challenges:
    #15 DFBXMAS24 £5712.80 / £14000 (40.80% paid)

    Completed Challenges:
    #41 DFBXMAS23 £14751.96 / £12000 (122.93% paid off)

    MissPennySave's Debt Free Diary - DFW Diary
  • enthusiasticsaver
    enthusiasticsaver Posts: 15,595 Ambassador
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    Congratulations on clearing the debt and good luck on the next part of your journey. 
    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.
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