Our Debt Free Journey

❄️ £3.50 snowflake payment

This was my latest Vinted sale and it’s gone straight off Credit Card 3 🙌🏻

💳 Credit card number 3! 🙌🏻 x

Previous balance = £218.62
Current balance = £215.12

💰 £100 Vinted Challenge 💰

Ok, so like many of you, I have decided that I going to actually set myself a target 🎯 this month for and I am going with £100.

I’m well on my way to achieve this as I’m already at £33 for November! 🙌🏻

Who else is doing this??
Any tips for success??

💸 Our Debt-Free Journey: latest update 💸

So I started this journey on 14 August 2022. I had a blip around November last year, until around February this year, but I’ve been generally on track since that time. And going for it!! But remember, don’t chastise yourself too much for blips; they are part of the journey. Just ensure you keep walking in the right direction. 👣

But as of today, 06.11.23… 15 months after I started (very slowly at first, I may add 👍) … I have paid over 3️⃣5️⃣% off our almost £25K debts!!!

And we have a young family needing stuff ALL THE TIME 😂

And we have an expensive rental house (that we hope to buy after this journey 😘).

I’m VERY pleased with this progress! 🙌🏻

🛍️ October Vinted Sales 👗

Well, I have just sat and counted up my Vinted sales for October, and considering I hadn’t set myself any target for that month, I’m over the moon with a total of £70.60 of cleared funds from Oct Vinted Sales!!

🩵💚🩵💚🩵💚🩵💚

November is off to a flying start too with £33 being the current figure so far! So I think I’ll target myself to earn 🎯 £100 from Vinted this month. 💥

Bring on the Vinted sales!

£2.00 snowflake payment

Even these tiny little payments make a big difference…. Never overlook the important of making small additional payments like this.

This was my latest Vinted sale and it’s gone straight off Credit Card 3 🙌🏻

💳 Credit card number 3! That half way point is in sight!!!!! 🙌🏻 x

Previous balance = £220.62
Current balance = £218.62

💸 Current Debt: 15,616.46 💸

I honestly cannot believe this figure!! I remember sitting down last year and feeling (for the millionth occasions) I will never be able to clear that debt 💸 then save 💰 for a house deposit.

Well guess what folks, that is exactly what I’m doing! In fact I’m in £8563 less debt that I was this time last year.

Whoop 🙌🏻 # # #

£6.00 snowflake payment

More Vinted side hustling 👍…

💳 Credit card number 3! Closing in on half of the balance paid off as it was £400 when I started my snowflake payments to pay this card off.

Previous balance = £2
Current balance = £2

£24.44 snowflake payment

Today’s snowflake payment is as a result of the Trading 212 app I posted about in my stories earlier this week …. 👍…

By signing up for the app and simply investing £1!! Yes, £1!!! You are given free shares for signing up! And those free shares can be worth up to £100! If you then get others to sign up with £1, the you get free shares for referring people too.

That’s what this £24.44 is from!! A completely free share from Trading 212. I owned it for the minimum 30 days, then cashed it straight out for the money, to pay off debt!!

Why not 🤷🏻‍♀️??

If you want to join, let me know and I’ll send you my referral sign up link! I’ve had over £200 from this app alone!! It’s worth it!!

💳 Credit card number 3!

Previous balance = £251.06
Current balance = £226.62

£6.00 snowflake payment

More Vinted side hustling 👍…

💳 Credit card number 3! Closing in on half of the balance paid off as it was £400 when I started my snowflake payments to pay this card off.

Previous balance = £257.04
Current balance = £251.06

❄️£5.30 snowflake payment

More Vinted side hustling 👍…

💳 Credit card number 3!

Previous balance = £262.34
Current balance = £257.04

❄️£4.54 snowflake payment

More Vinted side hustling 👍…

💳 Credit card number 3!

Previous balance = £2
Current balance = £262.34

❄️£8.30 snowflake payment

More Vinted side hustling 👍…

💳 Credit card number 3!

Little and often, little and often x

Previous balance = £275.18
Current balance = £266.88

❄️£7.00 snowflake payment

More Vinted side hustling 👍…

💳 Credit card number 3!

Remember, slow and steady wins the race x

Previous balance = £282.18
Current balance = £275.18

❄️£7.90 snowflake payment

More Vinted side hustling 👍…

💳 Credit card number 3!

💰However £8.06 monthly interest added.

Previous balance = £282.02
Current balance = £282.18

❄️£11 snowflake payment

Really pleased with my Vinted side hustling 👍…

💳 Credit card number 3!

Previous balance = £293.02
Current balance = £282.02

❄️£14 snowflake payment

I have cashed out my latest takings from Vinted (again!!) and paid this amount off my credit card 💳 as a snowflake payment ❄️

💳 Credit card number 3!

Previous balance = £308.02
Current balance = £293.02

✨ I have just updated our debt total after checking on all payments having come out at the start of October!

✨ AND … I have amazing news!!

✨Our debt total is now UNDER £15,000!!!!

✨ I love milestones like this!! Who else loves a milestone marker like going under the next £1000???

A total debt paid post will be shared later today 😘

❄️£23.50 snowflake payment

I have cashed out my latest takings from Vinted and paid this amount off my credit card 💳 as a snowflake payment ❄️

💳 Credit card number 3!

Previous balance = £3
Current balance = £

❄️£26.23 combined snowflake & direct debit payment 💳

I have been successful with some sales on Vinted lately, and took out my first £6.00 cleared funds today and have paid this amount off my credit card 💳 as a snowflake payment ❄️

🏦 My direct debit also came out today so I have reflected that in my current balance too 👍

💳 Credit card number 3!

Previous balance = £357.75
Current balance = £331.52

❄️£26.30 snowflake payment

I have cashed out my latest rewards from and paid this amount off my credit card 💳 as a snowflake payment ❄️

💳 Credit card number 3!

Previous balance = £384.05
Current balance = £357.75

❄️£6.96 snowflake payment

I sold something on Ebay so I have cashed out and paid it off my credit card 💳

💳 Credit card number 3!

Previous balance = £391.01
Current balance = £384.05

❄️£5.72 snowflake payment❄️

I had some change left over in my Starling account, so I have made a start with my next debt to pay off.

💳 Credit card number 3!

Previous balance = £396.73
Current balance = £391.01

🌟 Over 1400 Followers 🌟

Wow! Thank you all for your support. It means so much to me 💕

Have a lovely Saturday everyone x

💸 Our Debt-Free Journey: latest update 💸

So I started this journey on 14 August 2022. I had a blip around November time until February, but I’ve been generally on track since that time. And going for it!! But remember, don’t chastise yourself too much for blips; they are part of the journey. Just ensure you keep walking in the right direction. 👣

Can’t wait to make my 1st of the month snowball £100 additional payment to Aqua next week 🙌🏻 that should knock another chunk off that debt too!

But as of today, end of Sept 2023 … 13 months after I started (very slowly at first, I may add 👍) … I have paid 3️⃣2️⃣% off our almost £25K debts!!!

And we have a young family needing stuff ALL THE TIME 😂

And we have an expensive rental house (that we hope to buy after this journey 😘).

I’m VERY pleased with this progress! 🙌🏻

🌟 Exciting News 🌟

I used the credit card complaint template from in April 2023 to complain to Vanquis credit cards about irresponsible lending. They initially said they hadn’t done anything wrong, so after Sara’s advice, I escalated it to the Financial Ombudsman in June 2023.

In August 2023, the ombudsman contacted me to say that they had upheld my complaint and had instructed Vanquis to to buy back my debt (it had been sent to a debt collection agency by this point) and to then use any recompense due to me, to partially pay off my current balance with them.

Today, I have received an update from Vanquis that I had £2,559.54 total refund due, there was an outstanding balance of £3,334.72. PLUS! As a good will gesture, Vanquis have also agreed to write off the remaining balance that’s outstanding of £775.18, bringing the account balance to £0. They said that this takes immediate effect.

They have also requested that they update my credit file to remove all negative markers caused by the lending. This will take between 6-8 weeks to be updated with the credit reference agencies.

Overall an outstanding result! And I’m one very happy and grateful lady!! Thanks again Sara!

😢 Well, old habits die hard. I’ve added to debt and I have not idea how much.

I haven’t tracked, I haven’t budgeted. And we have just spent.

What a fool. So annoyed with myself.

Back to square one. 😡

Motivation needed x

💸 Our Debt-Free Journey: latest update 💸

So I started this journey on 14 August 2022. I had a blip around November time until February, but I’ve been right on track since that time. And going for it!!

Can’t wait to make my 1st of the month snowball £100 additional payment to Aqua tomorrow 🙌🏻 that should knock another chunk off that debt too!

But as of today, end of June 2023 … 10.5months after I started (very slowly at first, I may add 👍) … I have paid 2️⃣3️⃣% off our almost £25K debts!!!

And we have a young family needing stuff ALL THE TIME 😂

And we have an expensive rental house (that we hope to buy after this journey 😘).

I’m VERY pleased with this progress! 🙌🏻

💸 £18,771.65 💸

This number makes me smile so much 😀 I can’t believe we’ve gone into the next 000’s!! How big a deal are these milestones to you?? I find them such an achievement!!

And, we’re actually quite a chunk into it as well!! 💷

Bring on the £18Ks!! 💰

I’ll do a percentage progress post shortly so you can see it as a proportion of our starting debt 💸

Until then, I’ll just be sitting here smiling ☺️ have a great day!!

£4.83 snowflake payment❄️

I have cashed out my AttaPoll Survey app balance for June, and I have paid it straight off our Aqua 💳 card!

Previous balance = £1124.41
Current balance = £1119.58

💰 PAY DAY!!!!!!!!! 💰

Wow! June felt looooooooong! Did it for anyone else??? Or just me??

Can’t wait to recalculate my debt totals tomorrow!!! I’m defo gonna be under £19K and I can’t believe it!!!

I’ll post an update tomorrow with my debt totals once I’ve calculated everything, and I’ll also announce the WINNER of my month-long .

Happy Friday evening everyone x