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Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Hopefully debt free before Mortgage renewal in June 2026
Comments
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Have just read through a lot of your diary, very humbling, and I think you have done an amazing job. Well done on your achievements!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 / £60001 -
You are an inspiration. Reading your diary from the start, you have exemplified focus, consistency and dedication. I read many diaries on here. Yours stands out as written by someone who really gets what’s necessary to move away from debt and makes the necessary changes to create a wonderful life for themselves. Imagine how, once you’ve achieved your goal in a very few days now, what you can do with your energy and determination! Once you’ve enjoyed the feeling of success I can’t wait to see what you do next. You are a star.
5 -
Thank you soo much. It means a lot to get such nice comments, thanks again 🫶🏼ryandotdee said:Have just read through a lot of your diary, very humbling, and I think you have done an amazing job. Well done on your achievements!Debts on Jan 6th 2025
Tesco Credit card 0% = £2273
Virgin Credit Card 0% = £1230
Hastings Loan 12.70% = £2962.60
Total = £6465.60
Natwest CC £0 - 25/12/250 -
I love receiving such great comments from people who have read my journey on here. Im glad my journey this year has made an impact not just on myself, but im hoping on others who are going through problems with money and debt like me. i hope it has inspired just one person at least to see that they can and will get thru it in the end, even with small daily payments big things can be achieved with focus and determination. Putting all my finances on here has helped me no end to reach my debt free target as it holds me publicly accountable and that makes me even more determined to succeed, not just for myself but to not let other people down who are looking in and keeping an eye on my journey. Im not sure where my journey will head to in the next chapter yet.KintsugiWhippet said:You are an inspiration. Reading your diary from the start, you have exemplified focus, consistency and dedication. I read many diaries on here. Yours stands out as written by someone who really gets what’s necessary to move away from debt and makes the necessary changes to create a wonderful life for themselves. Imagine how, once you’ve achieved your goal in a very few days now, what you can do with your energy and determination! Once you’ve enjoyed the feeling of success I can’t wait to see what you do next. You are a star.
Thank you for such a lovely comment, i really appreciate people taking the time to write such kind comments, it really makes me smile and makes me realise posting on here daily and making the sacrifices needed to get myself debt free is all very much worth it 🫶🏼
Thanks again ❤️Debts on Jan 6th 2025
Tesco Credit card 0% = £2273
Virgin Credit Card 0% = £1230
Hastings Loan 12.70% = £2962.60
Total = £6465.60
Natwest CC £0 - 25/12/255 -
No money spent today
Direct debits
ID Mobile £23.99
Natwest CC Daily payment £4.54 Total daily payments made this month £88.90
Total of all Natwest CC payments, including weekly and monthly payments made this month £248.90 leaving a balance of £327.86*This month refers to 28th November to 25th December (Xmas day + DEBT FREE DAY !! )
Debts on Jan 6th 2025
Tesco Credit card 0% = £2273
Virgin Credit Card 0% = £1230
Hastings Loan 12.70% = £2962.60
Total = £6465.60
Natwest CC £0 - 25/12/253 -

Debts on Jan 6th 2025
Tesco Credit card 0% = £2273
Virgin Credit Card 0% = £1230
Hastings Loan 12.70% = £2962.60
Total = £6465.60
Natwest CC £0 - 25/12/253 -

Debts on Jan 6th 2025
Tesco Credit card 0% = £2273
Virgin Credit Card 0% = £1230
Hastings Loan 12.70% = £2962.60
Total = £6465.60
Natwest CC £0 - 25/12/252 -
No money spent today
No Direct debits today
Natwest CC Daily payment £4.55 Total daily payments made this month £93.45
Total of all Natwest CC payments, including weekly and monthly payments made this month £253.45 leaving a balance of £323.31*This month refers to 28th November to 25th December (Xmas day + DEBT FREE DAY !! )
Debts on Jan 6th 2025
Tesco Credit card 0% = £2273
Virgin Credit Card 0% = £1230
Hastings Loan 12.70% = £2962.60
Total = £6465.60
Natwest CC £0 - 25/12/252 -

Debts on Jan 6th 2025
Tesco Credit card 0% = £2273
Virgin Credit Card 0% = £1230
Hastings Loan 12.70% = £2962.60
Total = £6465.60
Natwest CC £0 - 25/12/253 -

Debts on Jan 6th 2025
Tesco Credit card 0% = £2273
Virgin Credit Card 0% = £1230
Hastings Loan 12.70% = £2962.60
Total = £6465.60
Natwest CC £0 - 25/12/251
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