Debt free in 12 months

[Beachcountrysidetown]

Right, I have worked it out that I can realistically, with some hard work, be debt free by Feb 2020. I have a small overdraft, credit card and an online shopping account.
It will be tight, but it is so realistic if I STOP buying clothes etc. I know that I can do so much for free, bike rides, walks, picnics etc but I need to stick to it. I hate this debt and I can fix it. I just need to be firm with myself.

That is fantastic. Have a plan and stick to it. Make sure you build a small emergency fund first so if anything unexpected happens you do not turn to debt.

Op it's great you're taking control of your finances and your life like this. It might be a good idea to update this thread with your progress and use it as a journal. Let us know how you're getting on and we will do our best to cheer you on. Others who are in the same boat will join you along the way I'm sure.

Something else that could also help might be to start an online blog where you talk about your progress, tips that worked for you, no spend weeks you set yourself as challenges, free activities you enjoyed during your year to do financial freedom etc. If you're into that sort of things of course.

Good luck. YOU CAN DO IT.

OP that's a great plan - you might like this thread too

www.mumsnet.com/Talk/legal_money_matters/3436092-a-thread-for-people-trying-to-pay-off-debt

How is it going @Beachcountrsidetown?

How's it going?