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100 STEPS TO DEBT FREE BY XMAS 2024
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28.5/100
Hopefully sending another overpayment at the end of the month to get me to 30 steps! Been lots to pay for this month so taking it easy! But still happy with results!
Emergency Fund: 1000/2000August Grocery Challenge: 97/550
S&S ISA: £420
Save 12k in 2025: #10 1200/10000
100 steps challenge.. to be where you want to be in 2025:
EF 60/100 (1 step= £20)
holiday 0/100 (1 step= £30)
savings 4/100 (1 step= £50)
2025 diary: https://forums.moneysavingexpert.com/discussion/6576803/a-fresh-start-a-year-of-growth-and-balance/p1?new=1
old diary becoming DMP free in 2024: https://forums.moneysavingexpert.com/discussion/6495850/freedom-and-independence/p12 -
35/100 steps with this weeks PAD1
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This weeks PAD has meant I am at 36.7/100 steps, hooray! This is the week I get interest on a few saving accounts so that helped to boost above usual amount!2
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Overpayment of 1.5 steps to take me to 30/100 🎉Emergency Fund: 1000/2000August Grocery Challenge: 97/550
S&S ISA: £420
Save 12k in 2025: #10 1200/10000
100 steps challenge.. to be where you want to be in 2025:
EF 60/100 (1 step= £20)
holiday 0/100 (1 step= £30)
savings 4/100 (1 step= £50)
2025 diary: https://forums.moneysavingexpert.com/discussion/6576803/a-fresh-start-a-year-of-growth-and-balance/p1?new=1
old diary becoming DMP free in 2024: https://forums.moneysavingexpert.com/discussion/6495850/freedom-and-independence/p11 -
Had a lovely boost this week with DH overtime, and agreed would send it to the CC, this takes me to 50.45/100 steps! Ahhhhh I am so excited to have hit 50%!!!!!3
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Paid another £200 and settled my debt to my mum.
So #9 £1,380/£6,750 (20/100 steps)Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/502 -
Paid £300 to Barclaycard.
So #9 £1,680/£6,750 (24/100 steps)Debt Free Diary:- The Mental Debt Struggle
(Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/502 -
Another week of PADs take me to 50.97/100 steps, every little helps!3
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38/100 want to get up to 40 steps by the end of the month 🤞🏼 to keep on the October ‘debt be gone’ timeline! It all going in the right direction 🎉
Emergency Fund: 1000/2000August Grocery Challenge: 97/550
S&S ISA: £420
Save 12k in 2025: #10 1200/10000
100 steps challenge.. to be where you want to be in 2025:
EF 60/100 (1 step= £20)
holiday 0/100 (1 step= £30)
savings 4/100 (1 step= £50)
2025 diary: https://forums.moneysavingexpert.com/discussion/6576803/a-fresh-start-a-year-of-growth-and-balance/p1?new=1
old diary becoming DMP free in 2024: https://forums.moneysavingexpert.com/discussion/6495850/freedom-and-independence/p12 -
Monthly payment and weeks PADs take me to 56.69/100 steps
@BudgetingBelinda I have everything crossed you will get those two extra steps!
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