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.
My 5 year goal!
Comments
-
You are doing good on exercise and the gym.
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)
2 -
It keeps me sane!
Credit card 1 23/7/26
£8959.58£5999 (33% paid)Credit card 2 23/7/26
£695.34£0 (100% paid)Loan 23/7/26
£7514.73£6760.92 (10% paid)Total debt: 23/7/26 -
£17169.65£12758.92(25% paid)1 -
Just got my credit card through for the month and I have paid more than £1000 off (I did have extra last month due to exam marking). I feel so much better knowing what I have going in and out and feeling more conscious of my money.🙂
Very busy at work so the calm in knowing the debt is reducing really helps! Even if I have a long way to go yet. I have decided to keep my tutoring going for this academic year, now I am full time, I don't need to, but that money can go straight on CC (minus the amount put in my tax account!).
Hope you are all keeping well! 2lb down too 🙂
Credit card 1 23/7/26
£8959.58£5999 (33% paid)Credit card 2 23/7/26
£695.34£0 (100% paid)Loan 23/7/26
£7514.73£6760.92 (10% paid)Total debt: 23/7/26 -
£17169.65£12758.92(25% paid)6 -
Slowly ticking away. I have been so busy at work, i have barely had time to spend! I am now at 19% of my debt paid (excluding mortgage) in 2 months. If I can keep that up, i will be debt free by May.
Thinking about getting my eyes done, driving in the dark is so hard! But need to start saving for that, if they can do it!
Credit card 1 23/7/26
£8959.58£5999 (33% paid)Credit card 2 23/7/26
£695.34£0 (100% paid)Loan 23/7/26
£7514.73£6760.92 (10% paid)Total debt: 23/7/26 -
£17169.65£12758.92(25% paid)4 -
That's a great result with the debt reduction!
"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee0 -
It has been a really long month. Things are so stressful at work I have struggled to find time for me. I have been quite good with my money because I have been so tired! I have just been coming home and collapsing in a heap. Hopefully it will start calming down, otherwise I might need to think about looking for another job. This just isn't sustainable and I have lost my time. But just got to keep plodding!
Credit card 1 23/7/26
£8959.58£5999 (33% paid)Credit card 2 23/7/26
£695.34£0 (100% paid)Loan 23/7/26
£7514.73£6760.92 (10% paid)Total debt: 23/7/26 -
£17169.65£12758.92(25% paid)3 -
Take a deep breath. Give yourself a small break and then charge on!!!
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
⭐️🏅😇🏅🏅🏅🏅🏅🏅2 -
Thanks. Exactly what I did and then bought more fabric for my next project (I don't think I needed it 😂
Credit card 1 23/7/26
£8959.58£5999 (33% paid)Credit card 2 23/7/26
£695.34£0 (100% paid)Loan 23/7/26
£7514.73£6760.92 (10% paid)Total debt: 23/7/26 -
£17169.65£12758.92(25% paid)1 -
-
Nice to meet you!
Credit card 1 23/7/26
£8959.58£5999 (33% paid)Credit card 2 23/7/26
£695.34£0 (100% paid)Loan 23/7/26
£7514.73£6760.92 (10% paid)Total debt: 23/7/26 -
£17169.65£12758.92(25% paid)1
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
- 605.9K Mortgages, Homes & Bills
- 179K Life & Family
- 263.7K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.7K Read-Only Boards