We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Busting this debt before 40
Comments
-
I have one of those clocks that gradually lights up before the alarm. It really helps in winter.
Is today the day??!!??Debts 04/01/25 01/09/26
CC1 £14,122.71 -
CC2 - £6,975
CC3 £6,112.60 £6,495
1st Direct CC £176.03 £151.44
CC total £20,411.34 £13,621.44
OD £1100 £0
Car loan £4,000 £2,400
1st Direct Loan £10,684.44 £3,825
Total £36,195.78 £19,846.44
EF £2,800
HF £3
EB £2500 -
Debt free officially on 1st August 2025!!!
Debt free dairy. Busting this debt before 42. https://forums.moneysavingexpert.com/discussion/6655663/busting-this-debt-before-42#latest
Starting date January 2026
Car loan: £23,000 / £12,825
Laptop loan: £1,500 / £0
I eat far too much chocolate...9 -
Congratulations! I can't wait for that moment!MBNA: Jan 2025 =£10,413.25, Feb 2026 =£0
HSBC Loan: Jan 2025 £15,156.57, Feb 2026 =£8,982.25
Total: Jan 2025= £27,688.27, March 2026 = £7,982.25, May 2026 = £6,982.250 -
🥳🥳 Huge congratulations!The 365 Day 1p Challenge 2026 #26 £667.95/£667.95✔️Save £12k in 2026 #12 £13,201.88/£7500
Car Loan Dec 25- £14,114.74 (60mth) / paid off Aug 20260 -
Congratulations!! 🎉🎉
That must feel so good! You've pretty much performed a miracle in my eyes, I hope you feel very proud of yourself.Debts 04/01/25 01/09/26
CC1 £14,122.71 -
CC2 - £6,975
CC3 £6,112.60 £6,495
1st Direct CC £176.03 £151.44
CC total £20,411.34 £13,621.44
OD £1100 £0
Car loan £4,000 £2,400
1st Direct Loan £10,684.44 £3,825
Total £36,195.78 £19,846.44
EF £2,800
HF £3
EB £2500 -
Thank you!!
This now lives on my fridge as a proud reminder. Maybe I should frame it?
Debt free dairy. Busting this debt before 42. https://forums.moneysavingexpert.com/discussion/6655663/busting-this-debt-before-42#latest
Starting date January 2026
Car loan: £23,000 / £12,825
Laptop loan: £1,500 / £0
I eat far too much chocolate...5 -
Congratulations on being debt free! That's so exciting*Dad loan - £7000 - £7000
*Tesco Credit Card (0% 9/9/27) - £3623.18 - £3623.18
*Nationwide Loan - £11,000 -£11000.00
*Total Debt - £21623.18/£21623.18*
Savings
*Sinking Fund - £1400/2000
*Emergency Fund - £0/£3000
New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/0 -
Thank you! You’ll get there too, you’ve already made fantastic progress.Debtfree2026 said:Congratulations! I can't wait for that moment!
Debt free dairy. Busting this debt before 42. https://forums.moneysavingexpert.com/discussion/6655663/busting-this-debt-before-42#latest
Starting date January 2026
Car loan: £23,000 / £12,825
Laptop loan: £1,500 / £0
I eat far too much chocolate...1 -
Thank you! It still feels a bit unreal. I’ve been so focused on it, I need to focus that energy elsewhere now!Sarahwithlove said:Congratulations on being debt free! That's so excitingDebt free dairy. Busting this debt before 42. https://forums.moneysavingexpert.com/discussion/6655663/busting-this-debt-before-42#latest
Starting date January 2026
Car loan: £23,000 / £12,825
Laptop loan: £1,500 / £0
I eat far too much chocolate...0 -
That's wonderful! Congratulations!I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/220
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 355.7K Banking & Borrowing
- 254.9K Reduce Debt & Boost Income
- 456.1K Spending & Discounts
- 248.3K Work, Benefits & Business
- 605.8K Mortgages, Homes & Bills
- 179K Life & Family
- 263.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.7K Read-Only Boards