With all the curveballs you’ve had thrown at you this last year you guys have smashed it!!!! Honestly, you should be so very proud of yourselves 🤩 and loving the plan for the next year 💕

@50somethingbudgets

7 ай бұрын

Thank you 🥰

Wow how absolutely amazing!!! You have to be proud of how much you’ve managed to a choice both financially but also mentally x so happy to hear this

@50somethingbudgets

7 ай бұрын

Thank you so much 🥰

You cannot put a price on good mental health and peace of mind i believe, well done wee doll your videos are always so interesting and explained so well, thank you 😊 xx

@50somethingbudgets

7 ай бұрын

Thank you so much ☺️

What awesome progress you’ve made in a year!!! I’m reaching the end of a 3 year debt repayment plan myself and the reduction in worry is enormous!!! Good on you😘

@50somethingbudgets

7 ай бұрын

Congratulations on being near the end of your own DMP🎉 that must feel awesome 🙂

This video pleases me so much as I’m so glad you are working towards becoming debt free. You really will feel ‘lighter’ mentally. I’m sure you’ll do it because you are very focused. x

@50somethingbudgets

7 ай бұрын

I do feel like there is light at the end of the tunnel now 🙂

What a great plan! Congratulations on how far you've come and on setting your intentions for the next 2-3 years. I'll be watching with great interest!

@50somethingbudgets

7 ай бұрын

Thank you 🥰

I really love your timeline vids. You've made amazing progress, be very proud xx

@50somethingbudgets

7 ай бұрын

Thank you so much 🥰

Wow I’ve been watching you for a year and you’ve come so far and I don’t usually comment as I listen while working or not sleeping hence the time of night 😂but you’ve done amazing and you sound so much happier in your voice. Super good luck for the next year, I have no doubt you will smash it xz

@50somethingbudgets

7 ай бұрын

Thank you so much 🥰

I love your videos. Well done on your progress! Mental relief is so important.

@50somethingbudgets

7 ай бұрын

Thank you so much ☺️

You are providing the content that is so helpful. Loved this debt summary and the one on job loss.

@50somethingbudgets

7 ай бұрын

Thank you so much 😊

Praying everything goes well for your plan!

@50somethingbudgets

7 ай бұрын

Thank you 🙂

Love this video so much, thank you for sharing and I love to see your plans and goals and how you be debt free in 2026 😊 💗💙💗

@50somethingbudgets

7 ай бұрын

Thank you 🥰

What a great plan. I never seem to be able to plan as further than the year I’m in so I might try this going forward. Thank you for your videos

@50somethingbudgets

7 ай бұрын

You are so welcome!🥰

This was really interesting and great too see, great plan going forward ❤❤ xx

@50somethingbudgets

7 ай бұрын

Thank you lovely 😊

What a fantastic video …your making brilliant progress xx

@50somethingbudgets

7 ай бұрын

Thanks so much! 😊

This is a FANTASTIC debt update vid 👏 So clearly explained Huge congratulations on what you have achieved already 👏xx

@50somethingbudgets

7 ай бұрын

Thanks so much! 😊

This is an amazing plan. Love how detailed it is. Feeling motivated to be a bit more detailed with my own plan ☺️

@50somethingbudgets

6 ай бұрын

Thank you. Good luck with your plan x

Fair play, this is amazing progress towards an ambitious goal. Well done 👏

@50somethingbudgets

7 ай бұрын

Thank you! ☺️

Really interesting video, you've done so well so far. Here is to a really great 2024 🎉

@50somethingbudgets

7 ай бұрын

Thank you! You too! 🥰

Aw wow, well done to both of you, it just goes to show what you can do when the odds are against you, keep going and you never know you may just pay everything of quicker than you think, you deserve to.

@50somethingbudgets

7 ай бұрын

Thanks so much!! ☺️

Hi new here looking forward to following your journey 😊❤

@50somethingbudgets

7 ай бұрын

Hello and thanks for watching 😊

Great plan 😊

@50somethingbudgets

7 ай бұрын

Thanks 🙂

You have made great progress! It’s great to have a plan and see where to land. Aim for the moon, if you miss you will land in the stars. 🎯I look forward to following your progress!

@50somethingbudgets

7 ай бұрын

If we don’t get to be debt free by Feb 26 we will still have massively reduced our debt and be on the home straight 😁

❤ Absolutely blooming brilliant well done to you all as it is a family plan

@50somethingbudgets

7 ай бұрын

Thanks so much! 😊

How are you so clear about debt management? I am a little confused is the three smallest debts outside the step change. Can you save towards your car for year 2026? Excited to hear your progress as a uk citizen, its encouraging. When is your next update planned please?

When you guys paid off your smaller creditors, did you do that through stepchange? Or just pay the creditor yourself and then let stepchange know? Im just about to start a dmp with payplan

❤

@50somethingbudgets

7 ай бұрын

💖

I rememeber that video. You should be so proud of yourself you are doing amazing 👏 will carry on watching now ❤❤❤❤ thats an amazing amount to of paid off 🎉

@50somethingbudgets

7 ай бұрын

Thank you so much 🥰

@sallyannsimmons9142

7 ай бұрын

Very well presented and explained. Inspirational. Love your videos 🌸

@gillianhope7742

7 ай бұрын

Fabulous x

@50somethingbudgets

7 ай бұрын

Thank you ☺️

Credit cards are the work of the devil sometimes, we do have one but we only use it twice a year to pay for a weeks shopping just to keep it open just in case we ever need to use, we just put it away and to be honest it never crosses our mind to use it, we are not well off because we are pensioners but I suppose it,s just a buffer should we ever need it, just a thought that maybe that may work for you.

Wow, what a great video, I have just entered a DMP myself, i hope mine works out like yours. Please may I ask, did the creditors put up a fight at all about agreeing to the DMP? 🙏

@50somethingbudgets

7 ай бұрын

We had no issues with any of the creditors. Our budget was in line with stepchange’s recommended spending on things like food etc which helped. Good luck with your DMP, it has really helped us get to grips with our finances 🙂

@Showtime_Mike

7 ай бұрын

@@50somethingbudgets thank you so much for the reply, I hope I can get back on track just like you guys have👍

You have done amazing so far! And great to have a goal to snowball and move on! Cant wait to see you smash it ❤

@50somethingbudgets

7 ай бұрын

Thank you so much!! 🥰

May I ask who you did your plan with was it step change or another charity

@50somethingbudgets

4 ай бұрын

Yes it was stepchange

How does it affect your credit rating whilst on the DMP?

@50somethingbudgets

3 ай бұрын

It ruins it completely and will take 6 years for the defaults to drop off.

I thought you could only do a DMP if you earn a low wage. Like if you have 1k a month left over can you still go into one? x

@50somethingbudgets

7 ай бұрын

It doesn’t matter what your income is. If you don’t have enough income to pay your monthly payments after your basic living expenses then you may be able to enter into a DMP. We look like we have a lot left over but this is because my husband receives bonuses from work. Theses are not guaranteed and so are not included in our DMP. If we didn’t have these we would be on a much, much tighter budget. You can input your budget into the step change website or speak to someone on the phone and they can advise you what options are available 🙂

@lynnew2024

7 ай бұрын

🥰🥰 thank you. x

Have you still have kid,s at home?

@50somethingbudgets

7 ай бұрын

Just the one 🙂

Can you not change your mortgage luv?

@50somethingbudgets

7 ай бұрын

Not until March 2025 ☹️

❤

@50somethingbudgets

7 ай бұрын

💖