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I can see the light at the end of the tunnel, now my saving journey begins!
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shell16
Posts: 1,354 Forumite
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
Thanks for any support along the way. I will update again soon
Shell x
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
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
8
Comments
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Welcome to the next stage and making plans.Mortgage started 2020, aiming to clear 31/12/2029.1
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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!!
♥️ ♥️ ♥️🌸🌸🌸🌸🌸🌸🌸🌸Decluttering 2025 So far 403 / 2025
Decluttering 2024🏅🏅🥇🏅🏅🏅⭐⭐⭐🌸 DS2🏅🏅DD🏅🥇🌸
25 in 25 So far 1 /25
⭐My rambling savings Diary ~⭐1 -
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
Emergency fund 100/1000
Buffer fund 0/100
Debt Free (again) 25/0720253 -
The countdown to financial freedom is on! I look forward to following the rest of your journey0% 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/p13 -
Thankyou for all the comments, I really appreciate those that have stopped by and posted.
So I have a major update!!
I am now receiving a cost of living payment from my company that I wasnt originally going to receive of £1000, subject to tax and NI. I had savings and so I have paid off the remaining £941 today from my Sainsburys CC and Im debt free!
The next leg of my financial journey can now begin!
Shell xDebt Free - 04/03/23. Total LBM August 2021 £15410.70
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Life gets in the way...PADding is addictive...Saving's better than spending...My savings diary - Now for a healthier, wealthier me2025 1p challenge #41 | Cash envelope challenge #01 | SPC #017Sealed pot 2025 £6573 | EF £1000/£1000 | Sabbatical £3364/£6000 | Travel savings £1508 | Sinking pots £25713
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Happy new diary. Lurking.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 #1242 -
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!
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Happy new diary!! I've parked myself for the next chapter of your journey!!xNovember 2022 - £46,626.96 / May 2025 - £5,970.00
Debt paid off so far - £40,656.96 (87.19%)
Current Challenges:
#10 DFBXMAS25 £8670.00 / £15120.00 (57.34% paid off)
Completed Challenges:
#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 Diary4 -
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.
The 365 Day 1p Challenge 2025 #1 £667.95/£301.35
Save £12k in 2025 #1 £12000/£80004
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