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.
Busting this debt before 42
Comments
-
Haha, thanks! 😂 My guilty pleasure is pizza. I loooooove a nice pizza. Dominos Texas barbecue was my weekness. Now I've managed to switch the expensive pizza habit to a cheaper one, and even buy my own garlic dip. Seems to have worked.
I have a work colleague who Uber eats on a regular basis, and then complains about the cost of living. The lights are on but nobodys home. Can't help some people.
Debt free dairy. Busting this debt before 42. https://forums.moneysavingexpert.com/discussion/6655663/busting-this-debt-before-42#latest
Starting date January 2026
Car loan: £23,000 / £12,338
Laptop loan: £1,500 / £0
I eat far too much chocolate...2 -
You could probably make your own Texas BBQ for not much money. I also like a takeaway pizza, but now I have been having a tortilla wrap with a few spoonfuls of pasta sauce and a sprinkle of cheese. It's not quite the same, but it takes less than 10 minutes in the oven and makes 6 of them for less than £5.
Updated last day of the month… reducing debt and improving wealth…
Mortgage: starting at -£222,469 (Jan 26) now at -£219,670 (Oct 26)
Postgrad Loan (6%): starting at -£8,974 (Jan 26) now at -£7,100 (Oct 26)
Personal Loan (6.4%): starting at -£11,466 (Jan 26) now at -£9,200 (Oct 26)
Emergency Fund: starting at £5,511 (Jan 26) now at £2,620 (Oct 26)
Jan 27 Tax Fund: £2,750 / £3,298 (Oct)
Net Debt: starting at -£203,926 (Sep 26) now at -£202,930 (Oct 26)
1 -
Oooo, never considered Tortilla wraps. I do like those as well. Might give that a try! 🤤
Debt free dairy. Busting this debt before 42. https://forums.moneysavingexpert.com/discussion/6655663/busting-this-debt-before-42#latest
Starting date January 2026
Car loan: £23,000 / £12,338
Laptop loan: £1,500 / £0
I eat far too much chocolate...2 -
The weightwatchers wraps make a good base, as they are a bit thinner than some of the others. Bonus in having less carbs and calories as well. I have been using the reduced fat cheese as well, but I mix it with regular cheese.
Updated last day of the month… reducing debt and improving wealth…
Mortgage: starting at -£222,469 (Jan 26) now at -£219,670 (Oct 26)
Postgrad Loan (6%): starting at -£8,974 (Jan 26) now at -£7,100 (Oct 26)
Personal Loan (6.4%): starting at -£11,466 (Jan 26) now at -£9,200 (Oct 26)
Emergency Fund: starting at £5,511 (Jan 26) now at £2,620 (Oct 26)
Jan 27 Tax Fund: £2,750 / £3,298 (Oct)
Net Debt: starting at -£203,926 (Sep 26) now at -£202,930 (Oct 26)
1 -
Tis that time of month again. Another positive monthly money shuffle.
Accounts are now as follows.
£150 into the sinking fund.
£150 into the emergency fund. Plus some interest and cashback puts this up now to £1870.
£10 into the shiny fund because why not.
£50 into the S&S ISA.
£300 into the SIPP.
And the £800 overpayment to the car loan. Total outstanding balance is now £14,278. Under the 15k mark, yay!
Debt free dairy. Busting this debt before 42. https://forums.moneysavingexpert.com/discussion/6655663/busting-this-debt-before-42#latest
Starting date January 2026
Car loan: £23,000 / £12,338
Laptop loan: £1,500 / £0
I eat far too much chocolate...4 -
And for other exciting news. I've reached my first milestone of 10k in my SIPP and 2k in my ISA!
Super chuffed with this!! Only seems like yesterday when I started with putting in 50 quid a month. It really is amazing how little consistent habits build up to something big.
Debt free dairy. Busting this debt before 42. https://forums.moneysavingexpert.com/discussion/6655663/busting-this-debt-before-42#latest
Starting date January 2026
Car loan: £23,000 / £12,338
Laptop loan: £1,500 / £0
I eat far too much chocolate...4 -
Great news on both.
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** in ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger.
One debt remaining. Home improvement loan.[/b] [11 months left.[/b]0 -
Amazing work on reaching your goal.
0 -
That’s a fantastic achievement. And wow to the car overpayments! That’s a hefty chunk to pay off.
PBs £3050 (including £1k EF & £1k Christmas fund)
21/26 books for 2026Take the time to find the joy in each day
0 -
Thanks! I've been adding up the money interest savings and I've saved £2034 in interest so far.
I've lost track how many overpayments I've got left. Maybe 12 ish more payments to go? Hard to work out because of the interest savings.
Debt free dairy. Busting this debt before 42. https://forums.moneysavingexpert.com/discussion/6655663/busting-this-debt-before-42#latest
Starting date January 2026
Car loan: £23,000 / £12,338
Laptop loan: £1,500 / £0
I eat far too much chocolate...3
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 355.7K Banking & Borrowing
- 254.9K Reduce Debt & Boost Income
- 456.1K Spending & Discounts
- 248.3K Work, Benefits & Business
- 605.8K Mortgages, Homes & Bills
- 179K Life & Family
- 263.6K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.7K Read-Only Boards