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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
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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
-
5 Days to go 🥳🎅🏼❤️🎁🫶🏼🎄😁
No money spent today
No direct debits today
Natwest CC Daily payment £4.57 Total daily payments made this month £102.58
Total of all Natwest CC payments, including weekly and monthly payments made this month £309.58 leaving a balance of £267.18*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 - 25/12/251 -

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 - 25/12/251 -
Great job! And, looks like you did an amazing jobs sorting out the presents. Merry Christmas.Tezzadp said:5 Days to go 🥳🎅🏼❤️🎁🫶🏼🎄😁
No money spent today
No direct debits today
Natwest CC Daily payment £4.57 Total daily payments made this month £102.58
Total of all Natwest CC payments, including weekly and monthly payments made this month £309.58 leaving a balance of £267.18*This month refers to 28th November to 25th December (Xmas day + DEBT FREE DAY !! )
Challenges
NSD - Dec 10/10
The Save £12k in 2025 challenge #4 £12,317/£30,500
2025 Mortgage-Free Wannabes #61 £42,801.82/£38,000
Mortgage @ Jan 2025 £75,600-Current bal £29,851.26 Target MF - Jun 26, 187 days away.
2026 Challenges
NSD - January
1. 2026 Mortgage-Free Wannabes #61 £ /£29,000, MF target June 2026, current mortgage balance - £29,851.26
mortgage @ Jan 2025 - £75,600
2. Loan - Jan 2026 £1,029.22 - Current balance £1,029.22
3.52 Week Envelope Saving Challenge #2 £/£1,378 -( /52)
3 -

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 -
Thank you. Merry Christmas to you too 🎄🎅🏼🎁Pinkpieuni said:
Great job! And, looks like you did are amazing jobs sorting out the presents. Merry Christmas.Tezzadp said:5 Days to go 🥳🎅🏼❤️🎁🫶🏼🎄😁
No money spent today
No direct debits today
Natwest CC Daily payment £4.57 Total daily payments made this month £102.58
Total of all Natwest CC payments, including weekly and monthly payments made this month £309.58 leaving a balance of £267.18*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 - 25/12/250 -

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 - 25/12/251 -

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
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