August 2019: £28.8k
November 2020: £0 (0% interest)
My debt free diary: https://forums.moneysavingexpert.com/discussion/comment/77330320#Comment_77330320
I’ve just read your diary from the start. You’ve done so amazingly well 😃 Just a couple of general comments from me: 🌈if you want to save you could open a regular saver and put some in there (it’s a set amount a month for a year) and you get the interest bonus at the end. If you need the money in the meantime you can always withdraw it (no interest) but you’d be no worse off than having it in your current account🌈 if you like tinkering with numbers and to relieve some boredom I would definitely recommend setting up an excel spreadsheet with a full budget (including spends like presents, car repairs, car insurance) and think about setting a monthly amount aside for them - I appreciate that currently you can easily afford £30 birthday present here and there but doing this will help form good habits for when you buy your own place and have other commitments (council tax, utilities etc...) Plus with pubs and restaurants opening again soon having a set aside entertainment budget may be useful. 🌈 if you want to full on tinker you could do a budget sheet for what it *might* be when you went back to London best of luck in your journey. Have subscribed.
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