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The Debtly Hallows.............
Harry Potter fan here - how could you tell 😉
I've been here before under another username but needed a fresh start so here we are!
I'm in debt at the moment but it's on a 0% credit card and I've got a good plan to pay that off within the 21 months.
I've also got my mortgage for my wee flat which I'm planning to pay off in the next 4 years - I am throwing everything I can at it right now.
Some other things I want to get sorted out are;
- Decluttering - I have too much stuff. Some I can sell and the rest I need to just get rid of but it's so hard. Get this little bit of hoarding from my Mum.
- Weight - I've been a bit of a chunk for a LONG time. I start and stop and do it again but I do need to get this under control while I can. In my 40's now so not as easy.
- OAP Funds - Once I am debt and mortgage free I need to get a good financial plan in place to save what I can for my OAP days.
I work 2 jobs at the moment so don't really have any time to do anything else to make any more money and I'm pretty fixed with what I can pay to who.
My bills are all scaled back as far as they can be, I live alone and have done for the past 3 years so I've picked through all of them to see what I can get rid of or reduce so feel like I'm in a good place with that.
Feel better already now that I'm back on here.
Love this forum just find everyone so lovely.
Comments
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Wishing you lots of luck and strength to get you debt free!!!
If you need some cheerleading on the decluttering you might want to follow this….
2026 DECLUTTERING CAMPAIGN Mrs SD - our Year of Redistribution - Page 432 — MoneySavingExpert Forum
It's busy but very friendly.
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⭐️🏅😇🏅🏅🏅🏅🏅1 -
love the title, best of luck with the plans
June 2026, Mortgage free, Emergency fund fully funded & £200/200 cash maximum pb holding .:jWeight 12st challenge 11st 2lb
Gift to children challenge £40k in 2 years. Short term gift challenge 7 presents and $1300 can by September.
Determined to stop defining myself by my mistakes. Progress not perfection. I’m not perfect but I’m good enough.
https://forums.moneysavingexpert.com/discussion/6673398/hopefully-cruising-with-focus-towards-retirement#latest1 -
@in_need_of_direction - I love it too. Going to dig out the HP books and re-read them so that I can watch all the movies in the winter. Best time to watch them.
Just had dinner, dogs are now sleeping and I've got some work to finish up before my day is done.
Also changing my name so need to draw up my statutory declaration so that I can have 2 witnesses sign and date it. Then the process of getting it changed everywhere begins.
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