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.
📨 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!
Let's get this sorted then!
Comments
-
I've done it! Signature amended!
I know it's still a lot of debt, but the difference in seeing it start with a 2 is amazing to me.
I think I'm going to buy myself some prosecco and posh crisps to celebrate.Debts 04/01/25 01/12/25
Natwest2 £6,509.97 £5,600
NatWest CC £7,612.74 £6,680
Lloyds CC £6,112.60 £4,690
1st Direct CC £176.03 £144.20
CC total £20,411.34 £17,114
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,160
Total £36,195.78 £29,274.20
EF £1,002.83
HF £203.998 -
Well done. You are under £30k
If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them
Emergency fund 350/1000
Buffer fund 100/100
Debt Free (again) 25/07/20252 -
Wow that’s a brilliant achievement. Happy new name!I get knocked down but I get up again (Chumbawamba, Tubthumping)2
-
Yaaas under 30 🥂
Enjoy your prosecco and crisps, you deserve to feel celebratory, that's a brilliant achievement2 -
That is a great achievement, well done, enjoy your celebration 🥂Fashion on a ration 2025 0/66 coupons spent
79.5 coupons rolled over 4/75.5 coupons spent - using for secondhand purchases
One income, home educating family2 -
Im so blooming pleased for you new named person 😉 Seriously though you've been consistent and battled through and have never given up. Superb achievement matey xx
Have a little faith, baby, have a little faith". Oddball - Kelly's Heroes3 -
That is a fantastic achievement, enjoy the well earned Prosecco and crisps.1
-
such an amazing achievement. Sustainable progress is so much better than drastic progress if drastic progress means falling off the wagon or stressing about being able to pay essentials like the dentist. you've done so well, you've been so consistent. I hope you are proud of yourselfRhyddid2026 said:I am not a fan of Christmas, and I do tend to leave things to the last minute, but the thought of not being able to buy a single Christmas present until the 1st December is too much even for me. I'll put £50 aside (out of the switch money) for any Christmas presents I see between now and then.
I've just started doing my debt list. Some of the DDs haven't cleared yet because it's a weekend, but the final figure this morning was 30,010. I cannot sit here knowing I'm that close to the 30k goal I set for myself, so I've transferred extra to one of the credit cards from the switch bonus. I'll check it again in an hour before I can change save my table and change my signature. It won't have all the payments showing until Monday but I'll still be very proud if I can say my debt is under 30k! I had set that goal for the end of the year so I am almost 2 months ahead of schedule. Unsecured debt at Worst June 2024 - £47,772.48Current unsecured debt Oct 2025 - £17,421.63Debt gone forever - 17 months - £30,350.85 (63%)Debt free date goal March 20272 -
Thanks everyone, I couldn't have done it without all of the support on here.
Consistency has not come easy to me, I still frequently feel the urge to take drastic measures, but I will keep on plodding on.Debts 04/01/25 01/12/25
Natwest2 £6,509.97 £5,600
NatWest CC £7,612.74 £6,680
Lloyds CC £6,112.60 £4,690
1st Direct CC £176.03 £144.20
CC total £20,411.34 £17,114
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £8,160
Total £36,195.78 £29,274.20
EF £1,002.83
HF £203.994 -
Well done for getting sub 30k
3
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.8K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 245.9K Work, Benefits & Business
- 602K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.8K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards