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Fresh Diary for 2025! & Carrying on for 2026
Comments
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Absolutely a win! Well done1
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Wow, that’s brilliant - do you want to come and do my room of doom ?Sealed pot challenge 822
Jan - £176.66 :j1 -
Haha I dont think I could spend about 8 hours of my life doing it again 😅dawnybabes said:Wow, that’s brilliant - do you want to come and do my room of doom ?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;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10001 -
Morning all, so I've sat down with my cuppa and done some quick life admin. What i say next some people may or may not agree with.
Ive taken out a new credit card with a 0% transfer fee, I know i know before people lecture me. BUT the reason why is my one credit card APR is 37%! Im going to transfer the balance of that straight onto this new credit card, it has a transfer balance offer of 6 months. So I have no choice to sort myself out or be back at square one.
They approved me straight away which I was a little shocked with at first, but its made me realise that I need to get my bum into gear NOW! Not tomotrow, next week.. but NOW!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;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10004 -
Evening all,
Not much going on this evening. Still thinking over the CC application I did this morning, was it a good idea? Does anyone have advice?
OH turn to cook dinner and walk the dogs, me? Im going to get in my pjs and grab a glass of 🍷
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;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10000 -
If you are paying 37% on your CC and you now have a 0% one it was absolutely the right decision. I would set a fixed amount to repay each month ideally to get it repaid within the 6 month deal period.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.
Save £12k in 2026 Challenge £12000/£2000
365 day 1p Challenge 2026 £667.95/£165
Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board: https://lemonfool.co.uk/financecalculators/soa.php2 -
Great advice! I'll set that up asap!enthusiasticsaver said:If you are paying 37% on your CC and you now have a 0% one it was absolutely the right decision. I would set a fixed amount to repay each month ideally to get it repaid within the 6 month deal period.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;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10000 -
So as it stands my CC debt
Jaja - £796.66/£900 APR 37.7%
Zable - £1210.11/1300 APR 37.9%
Ive opened the new CC with 0% offer and awaiting for that to arrive, it has a credit limit of £1200. Any advice which would i should pay first? The higher one? Or the lower one? The APR on both is crazy. So as soon as both have been paid off im going to freeze the cards doe a while or just get rid of them completely.
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;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10000 -
Get rid of zable. The interest rate is marginally higher and it’ll give you a boost having just one 0% credit card and one with a three figure balance.Mortgage 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.1
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Agree, I think it's a good idea to move to 0%. Make sure you close Zable after transferring to remove the temptation to use it again.01.12.2020 - CC £16,839 / Loan £18,820 / EF £0
03.07.2023 - CC (0%) £9,859 / Loan £0 / Savings £10,1101
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