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.

The MSE Forum Team would like to wish you all a very Happy New Year. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 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!
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

19899101103104113

Comments

  • 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 / £6000
  • Tezzadp
    Tezzadp Posts: 820 Forumite
    500 Posts Photogenic Name Dropper
    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!
    Thank you soo much. It means a lot to get such nice comments, 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 - 25/12/25
  • Tezzadp
    Tezzadp Posts: 820 Forumite
    500 Posts Photogenic Name Dropper
    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 - 25/12/25
  • Tezzadp
    Tezzadp Posts: 820 Forumite
    500 Posts Photogenic Name Dropper
                                    

    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 - 25/12/25
  • Tezzadp
    Tezzadp Posts: 820 Forumite
    500 Posts Photogenic Name Dropper
                                

    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 - 25/12/25
  • Tezzadp
    Tezzadp Posts: 820 Forumite
    500 Posts Photogenic Name Dropper
    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 - 25/12/25
  • Tezzadp
    Tezzadp Posts: 820 Forumite
    500 Posts Photogenic Name Dropper
                                 

    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 - 25/12/25
  • Tezzadp
    Tezzadp Posts: 820 Forumite
    500 Posts Photogenic Name Dropper
                                                              

    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 - 25/12/25
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 353K Banking & Borrowing
  • 253.9K Reduce Debt & Boost Income
  • 454.8K Spending & Discounts
  • 246.1K Work, Benefits & Business
  • 602.2K Mortgages, Homes & Bills
  • 177.8K Life & Family
  • 260K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.