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    rising from the ashes
    Risen from the ashes ...
    • #1
    • 9th Oct 11, 9:06 PM
    Risen from the ashes ... 9th Oct 11 at 9:06 PM
    Finally debt free but need to stay here and beat this addiction to spending once and for all...... it's been a struggle but I've finally got here and am determined not to do it again!

    This is the 2nd time I've cleared huge debts and I'm not going to do it for a 3rd time!

    A wee reminder of how things were / have been over the past few years (so I don't forget):

    2004
    • Debt = 17k Loan, credit cards, HP, overdraft
    • Struggling to meet minimum payments
    • Many accounts defaulted
    • Living on the payday loan roundabout for food etc

    2005 - 10
    • Worked 2nd job & put all the money to debts
    • Skint, tired & fed up!

    2011
    • No loans or HP or OD
    • CC paid in full each month
    • All defaults now cleared from credit file (6 years is a LONG time)!
    Last edited by rising from the ashes; 09-10-2011 at 9:30 PM.
    Back on the frugal MSE journey
    Debt free & determined to stay that way!
    1,000 Emergency Fund Challenge #76
    Vet Fund: 189.59 / 1,000
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