We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 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!

Getting out of debt poppy style

Options
Time to organise my life and get out of debt. Currently single and in debt to the tune of around £21000, had my wake up call this morning when i got to work and my card was declined for a coffee :( had to borrow the money off a work collegue. Tomorrow i will raid my piggy bank and buy a flask and start making tea and coffee for work and also packed lunch every day instead of just once or twice a week! xx

Comments

  • Brie
    Brie Posts: 14,688 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Well done for starting this journey.  Wishing you every success.  
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions 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.

    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board:  https://lemonfool.co.uk/financecalculators/soa.php

    Check your state pension on: Check your State Pension forecast - GOV.UK

    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
    ⭐️🏅😇
  • Hi everyone x Thankyou Brie for the welcome x
    Not much money available this week until pay day on Thursday. i cant pay anything by card so have counted money in my piggy bank and it totals to £14.38, i need some to buy a cheap flask (not sure how much they are in Home Bargains £5-£8 im thinking? ) so about £6 for food this week which should be doable as ive got stuff in freezer and plenty of pasta and rice, should have enough milk and bread. I travel to work by bus so pass paid up until end of month ( had to give my car up, couldnt afford it :( ) Im going through my money properly this afternoon properly xx
  • 1stTimer
    1stTimer Posts: 338 Forumite
    Part of the Furniture 100 Posts Name Dropper Photogenic
    Hi and welcome

    Try filling in this SOA, this is always a good way to start tracking your money and looking at what you can cut back on https://lemonfool.co.uk/financecalculators/soa.php

    wishing you lots of luck, you’ll get lots of good advise on here
    Save £12k in 2025 #32 
    Make £2025 in 2025 #28
    JAN- £695.23 FEB- £599.43 MAR- £709.42 APR- £1102.89 MAY- £776.76 JUNE - £966 JULY - £1104.84

    Total 2025 -£5954.57

     
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
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.8K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K 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.