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Done for you.Highlanddream said:I should ask for this to be moved to the dairies( if anybody can for me please, it would be much appreciated)I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it 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.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
thank you.
Sept 24 : £32000 Aug catch up - £11436 Dec 25 - £8975
May 25 : £14000 Sept 25 - £10635 Jan 26 - £8115
June 25 : £13000 Sep catch up - £10356
July 25 : £12000 Oct 25 - £9569
Aug 25 : £11880 Nov 25 - £92750 -
I'm up for a weightloss buddy!
Think it helps to keep us on track.
I'll weigh in the new year then make a start.Debt Free - 4th June 20251 -
Brilliant that's great @_Dolly_Rocker_ . I will weigh as well. I think I will probably put a little on over Christmas because I am nibbling every cheese known to man but then I will be able to leave it alone ( when I have made myself feel ill)
Sept 24 : £32000 Aug catch up - £11436 Dec 25 - £8975
May 25 : £14000 Sept 25 - £10635 Jan 26 - £8115
June 25 : £13000 Sep catch up - £10356
July 25 : £12000 Oct 25 - £9569
Aug 25 : £11880 Nov 25 - £92750 -
First £10 off. Better than nothing. I am adding that to the 2026 repayments.Sept 24 : £32000 Aug catch up - £11436 Dec 25 - £8975
May 25 : £14000 Sept 25 - £10635 Jan 26 - £8115
June 25 : £13000 Sep catch up - £10356
July 25 : £12000 Oct 25 - £9569
Aug 25 : £11880 Nov 25 - £92751 -
I am desperately trying to lower my grocery bill. I haven't touched my side hustle money since Christmas so that is adding up slowly. I have £160 left until the 23rd of Jan, I realise I will be lucky to stick to it but it's fun to try. I have a fair bit in the freezer so shouldn't have to buy anything substantial until the following weekend - fingers crossed.
Tax bill due from side hustle by the end of Jan, I have put that into premium bonds for fun. Not taking it out until after Jan's prizes have been announced. 🤣Sept 24 : £32000 Aug catch up - £11436 Dec 25 - £8975
May 25 : £14000 Sept 25 - £10635 Jan 26 - £8115
June 25 : £13000 Sep catch up - £10356
July 25 : £12000 Oct 25 - £9569
Aug 25 : £11880 Nov 25 - £92752 -
Wow, you've done amazingly so far!
What's the plan for paying off the rest? Sticking to what's worked so far? Or any new plans?Debts 04/01/25 02/01/26
Natwest2 £6,509.97 £5,500
NatWest CC £7,612.74 £6,605
Lloyds CC £6,112.60 £4,450
1st Direct CC £176.03 £39.26
CC total £20,411.34 £16,594.26
TSB OD £500 £0
1st Direct OD £600 £0
Car loan £4,000 £4,000
1st Direct Loan £10,684.44 £7.880
Total £36,195.78 £28,474.26
EF £701.52
HF £3.040 -
Hi. I just want to wish you the best. I am in a similar position both with debt and weight! I will be following for moral support!Debt as of 29/12/25
Overdraft: 1465.60 327.33
CC1: 866.75 500
CC2: 5699.85 5199.85
Total:8032.30 6027.181 -
Thank you @bigbeff , the weight loss is waiting until I have finished the Christmas cheese & wine!
Thank you @Rhyddid2026, sticking to the same, some weeks my side hustle does extremely well ( I think, lol) and I plough the profits straight to my debts. My main job covers the basics. I am planning on finishing paying off my debts by October, any earlier would be amazing but the nice weather does normal win over summer I struggle to side hustle in the sunshine - I have an allotment.
Sept 24 : £32000 Aug catch up - £11436 Dec 25 - £8975
May 25 : £14000 Sept 25 - £10635 Jan 26 - £8115
June 25 : £13000 Sep catch up - £10356
July 25 : £12000 Oct 25 - £9569
Aug 25 : £11880 Nov 25 - £92751 -
So, I am doing ok at paying down the debt, I am aiming for 1000 a month off, I may be able to be debt free by the end of September, that will be 2 years to the month since my light bulb moment.
It is a slog and feels endless.
Weight loss, 5lbs so far in Jan, started 6th. Not too bad.Sept 24 : £32000 Aug catch up - £11436 Dec 25 - £8975
May 25 : £14000 Sept 25 - £10635 Jan 26 - £8115
June 25 : £13000 Sep catch up - £10356
July 25 : £12000 Oct 25 - £9569
Aug 25 : £11880 Nov 25 - £92754
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