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Fresh Diary for 2025! & Carrying on for 2026
Comments
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Morning all!
Waiting for my consolidation loan to come through later on today so I can sort myself out and only have one payment coming through.
Ive got hot weetabox and blueberries for breakfast, yuuum!Quick one, I have two store accounts open next at £300 and Very £1050, nothing owed on either. Would you close them or keep them open?I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts 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.
Debt owed;Abound - £0/£7,092.16
DFW Challenges!
365 Day 1p Challenge 2026 #9 £104.30
Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
Make £2026 in 2026! £602.40/£2026
Savings goal £162.79/£10004 -
I’d close them to reduce temptationMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st 1lb determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge. I’m not perfect but I’m good enough.2
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Close them down!Halifax CC - £2591.41 / £2591.41
Virgin CC - £6094.33 / £6094.33
Barclaycard CC - £7991.29 / £7991.29
Santander CC - £6233.91 / £6333.91
M&S CC - £3868.42 / £3868.42
Natwest CC - £723.43 / £723.43
Natwest CC - £4115.00 / £4115.00
£31,647.79 / £31,717.79 (99.7%) Since 14/12/2025
Emergency Fund : £553.22 / £60002 -
Definitely close them. Store cards always have very high interest rates and if they're open you may be tempted!
May be one of the reasons that Chase refused you as you have credit available which they take into account.
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Morning! Happy New Year.
Bet you can't wait for that loan to clear so you can get those payments made!
I would close the store accounts, too much temptation.Debt Free - 4th June 20252 -
Try Cynergy which has easy access - mine is currently 4.19% (which includes a bonus for a year), Kent Reliance building society 4% again easy access & transfers immediately. Zopa do easy access pots (so you can have different ones for different savings) but their rate is only 3.25% unless you open their current account.BlueJ94 said:Morning/afternoon all!
Another £4 from vinted going into savings pot but I have a quick question.. does anyone have a specific savings account my Natwest was 1% or something so ive closed that and looking to open another one.
I plan on organising my set days eg Monday is clothes washing etc etc but im going to sit down and work that out later onDeclutter 2024 :277
Save £12k: #47 £4757.58/£12000
Grocery challenge: £2080 pa, bulk buy £520 pa2 -
I’m also in the ‘Close them’ campBlueJ94 said:Morning all!
Waiting for my consolidation loan to come through later on today so I can sort myself out and only have one payment coming through.
Ive got hot weetabox and blueberries for breakfast, yuuum!Quick one, I have two store accounts open next at £300 and Very £1050, nothing owed on either. Would you close them or keep them open?I’m a Forum Ambassador and I support the Forum Team on the Pension, Debt Free Wanabee, and Over 50 Money Saving 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 e-mailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.1 -
Another vote for closing them 👍MFW 2026 #5007/03/25: Mortgage: £67,000.00
Mortgage:
04/04/26: £33,500
07/03/26: £34,418.15
16/01/26: £56,794.25
02/01/26: £60,223.17
12/08/25: Mortgage: £62,500.00
12/06/25: Mortgage: £65,000.00
18/01/25: Mortgage: £68,500.14
27/12/24: Mortgage: £69,278.38
Savings: £20,0001 -
Both closed and gone!I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts 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.
Debt owed;Abound - £0/£7,092.16
DFW Challenges!
365 Day 1p Challenge 2026 #9 £104.30
Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
Make £2026 in 2026! £602.40/£2026
Savings goal £162.79/£10002 -
Loans paid and closed, Barclaycard closed, Zable closed! and breatheeeeeI’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts 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.
Debt owed;Abound - £0/£7,092.16
DFW Challenges!
365 Day 1p Challenge 2026 #9 £104.30
Pay off all your debts by Christmas 2026! #14 £0/£7,092.16
Make £2026 in 2026! £602.40/£2026
Savings goal £162.79/£10002
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