Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • MSE Martin
    • By MSE Martin 26th Oct 06, 4:03 PM
    • 8,109Posts
    • 42,244Thanks
    MSE Martin
    The Debt Free Roll Of Honour
    • #1
    • 26th Oct 06, 4:03 PM
    The Debt Free Roll Of Honour 26th Oct 06 at 4:03 PM



    85 of you have posted on our Debt Free Roll of Honour to celebrate clearing your debts in 2016! If you haven't click reply!

    Huge congratulations to:

    OxfordGirl, datlex, sentientpoet, austonic, muppets, NJS2016, Bipolar_debt, monz, ab_saver, Money_Muppet , retiredandskint, lambda, Princesssparkle, Onmyway2, Seasidegal58, QuietOne, Willowpop, daveg10, NewcastlePaul, eco farmer, SpekySquarehead, C&S, Gazza1964, naff123, pineconesjay, lsmcal1984, blu3sky, villemo84, mesci, Honeylife, Karma67, timefortea, chocoholic_chick, purpleposting4, dangerpowers, e4rub, starnac, Carviscocker, Fender4, dolly84, Brightspark87, hoglet121, Bored, devon-tony, mrsbee17, Tony_, stekka, Kate_fixing_it, Gladioli, HornetSaver, sistercas, Tiglath, moneycantbuyyouhappiness, RosaBernicia, Catwoman_2015, Baldybear, Muhren, please-let-me-be-lucky, gig11, skilly, heartbreak_star, Frith, CornishMaid, tizerbelle, Ronoir,
    takingcareofthepennies, Mysteek, Sillygal, laura84gr, medusasmummy, depressed_but_determined, Soph86, princess_pea, bookworm262, Hobbes1, glentoran99, NoStrangerToDebt, CapricornLass, Serafine, 2spicy, mc2705, AshB123, koselur, mothernerd, BrandNewStart


    2015 total was..
    115!! Huge Congratulations to all!!! Now let's beat that in 2016!



    We started this Debt Free Roll of Honour back in 2006 and since then there have been some fabulously inspiring stories, which you'll see if you read below.

    Read the most recent debt-free announcements: click the double arrow above to head to the last page of the discussion

    2015 GRAND TOTAL: 115!! (2014: 92, 2013: 81)

    nannygladys, beckle_82, neuromancer, Alpedro, Aphidgirl, LotsToDo, stewby, Pepperoni, Squarehead76, nonnynonny, danant, DML1954, mrshughes86, Blinky2010s, Rachiedabbler70, Playing with Fire, katy_ann, lexbubbles, diamonds, andy1886, stiltoncheese, looby1975, shofer, Karb, kittypimms, Growurown, Want_to_be_free, crazy_cat_lady, David123456, FinallyGettingFree, malnuman, ShirePiskie, black cat, boring1, kremmen, BlueEyedGirl, antonia86, ice_babe, Apple Crumble, LittleDutchgirl, natsplatnat, her_welshness, dads_albums, supersavor, KONG, HomeAlone, kerryallc71, fredtheguava, xxxJOJOxxx, The Only Girl, uncreative, NeverAgain2, Penny Bridge, boot13t, lemanie, gree0115, cakeforbrains, hydrangea, Cynical Monkey, tripled, ShopaholicNumber1, Lwsi, CrazyKitten, Nargleblast, kirstle99, Polly Wolly Doodle, SMGee, D3P0, MissShoes, kb_soma, Chimping, StrawberryJam132, maria3104, happycrafter, bassitt74, Ratison, GingerFurball, Tammy2, NewlyFrugalMumof3, cottage_retreatist, boucho11, *zippy*, MNM2903, allydowd, joee, Zabki, 7roland8, naughtymonkey, babyplum, NorthernMonkey1, Time to face the music, melwright, Daerve, johnboyinsole, Ali-OK, thewalrussaid, kika, Skinnylatte, fevlo, Seanymph, Smedley, poohbear59, happybunny86, spot3, xxlouisexx56 , Idollic, hannah2010, MrWillyWonka, Getmeoutofdebt, powellypowelly, AlexLK, Laconic, cluckyhen, rising from the ashes, KirstyO

    ----

    Welcome to the Debt-Free Roll of Honour.

    This is for Debt-Free Wannabees who are no longer Wannabees.

    Please report

    a. The date of your lightbulb moment
    b. Debts at their highest
    c. Debt-Free Date
    d. Your one perl of wisdom.
    e. Links to the MSE guides that helped you
    f. Which forum threads helped you
    g. And if you had a debt diary on the Debt-Free Wannabe board (DFW), a link to it

    And huge congratulations

    Martin

    PS Please no one else post - let's keep this a pure record of successes

    PPS Please come back to let us know Debt-free No Longer Wannabes - What they did next" discussion to tell us what you've been up to."

    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by MSE Andrea; 03-01-2017 at 12:43 PM.
    Martin Lewis, Money Saving Expert.
    Please note, answers don't constitute financial advice, it is based on generalised journalistic research. Always ensure any decision is made with regards to your own individual circumstance.

    Don't miss out on urgent MoneySaving, get my weekly e-mail at www.moneysavingexpert.com/tips.

    Debt-Free Wannabee Official Nerd Club: (Honorary) Members number 000
Page 86
    • MSE Andrea
    • By MSE Andrea 4th Oct 17, 11:15 AM
    • 8,624 Posts
    • 20,861 Thanks
    MSE Andrea

    UPDATE:

    Confirmation letters from my remaining creditors that I’m clear of debt
    Originally posted by sile001
    Huge congratulations!!

    Follow MSE on other Social Media:
    MSE Facebook, MSE Twitter, MSE Deals Facebook, MSE Deals Twitter, Forum Twitter, Instagram, Pinterest
    Join the MSE Forum
    Get the Free MoneySavingExpert Money Tips E-mail
    Report inappropriate posts: click the report button
    Point out a rate/product change
    Flag a news story: news@moneysavingexpert.com
    • illustrateddame
    • By illustrateddame 4th Oct 17, 11:34 AM
    • 21 Posts
    • 37 Thanks
    illustrateddame
    I feel so relieved!
    LMB: 4th September 2016
    Debt at highest: £12,757.68
    DFD: Today, 4th October 2017, about 7 months earlier than expected!
    Pearl of wisdom: What helped me was noting down and keeping track of every single penny. I didn't really notice where my money was going until I saw in black and white how much debt I was in, and tracking it really helped me reign in any unnecessary spending.

    Now I can start saving the deposit for my own flat
    Debt at 04/09/2016 = £12,757.68 / Debt today = £0!!
    DFD: 4th October 2017!!
    • sile001
    • By sile001 4th Oct 17, 9:32 PM
    • 89 Posts
    • 82 Thanks
    sile001
    Well done!
    Debt-Free as of 12th September 2017

    £12,000 > £0

    • beanielou
    • By beanielou 4th Oct 17, 9:42 PM
    • 47,721 Posts
    • 173,136 Thanks
    beanielou

    UPDATE:

    Confirmation letters from my remaining creditors that I’m clear of debt
    Originally posted by sile001
    LMB: 4th September 2016
    Debt at highest: £12,757.68
    DFD: Today, 4th October 2017, about 7 months earlier than expected!
    Pearl of wisdom: What helped me was noting down and keeping track of every single penny. I didn't really notice where my money was going until I saw in black and white how much debt I was in, and tracking it really helped me reign in any unnecessary spending.

    Now I can start saving the deposit for my own flat
    Originally posted by illustrateddame
    Well done to you both
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • pab233
    • By pab233 5th Oct 17, 1:43 PM
    • 21 Posts
    • 68 Thanks
    pab233
    LBM : A long time ago ...
    Highest : £26,208.60
    Started paying back : November 2015
    DFD : 01/10/2017
    Pearl of wisdom : Stop spending. I don't need books, CDs, DVDs, video games, latest sports equipment, satellite TV

    Helped no end by a partner who has allowed me to live rent-free for 2 years and my mother who gave me a substantial sum to clear the debts. If it wasn't for them, I would be nowhere near.

    Being totally honest, I'm absolutely debt free as, whilst I am finally clear of all long-term debts, I still owe £2100 to my mother as she paid for some very expensive car repairs for me with the view that she would rather I owed it to her than a credit card. I will be free from that debt at the start of December.

    Now to start saving to buy partner's ex-husbands share of the house
    SPC 9 2015/16 # 451 £266 SPC 10 2016/2017 #451 ?
    LBM : Oct 2015 : £26,208.60 Current 01/10/17 : £0.00 Paid : £26,208.60 (Though still owe £2100 to BoM)
    • beanielou
    • By beanielou 5th Oct 17, 3:57 PM
    • 47,721 Posts
    • 173,136 Thanks
    beanielou
    pab233~~Great result for you.
    Not long til December
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • pancakequeen
    • By pancakequeen 5th Oct 17, 4:51 PM
    • 97 Posts
    • 176 Thanks
    pancakequeen
    Lightbulb moment: March 2006

    Debt at highest: £18,000

    Pearl of Wisdom: 'Do I really need it?'

    Debt Free Date: 5 October 2017

    • beanielou
    • By beanielou 5th Oct 17, 8:35 PM
    • 47,721 Posts
    • 173,136 Thanks
    beanielou
    Lightbulb moment: March 2006

    Debt at highest: £18,000

    Pearl of Wisdom: 'Do I really need it?'

    Debt Free Date: 5 October 2017

    Originally posted by pancakequeen
    Great result
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Paul_DNAP
    • By Paul_DNAP 18th Oct 17, 1:46 PM
    • 9 Posts
    • 7 Thanks
    Paul_DNAP
    Been debt free for over 15years now, enjoying talking about savings instead.
    • doingitanyway
    • By doingitanyway 18th Oct 17, 8:41 PM
    • 1,983 Posts
    • 9,038 Thanks
    doingitanyway
    Been debt free for over 15years now, enjoying talking about savings instead.
    Originally posted by Paul_DNAP
    Ooh, I can't wait to be in that position
    JANUARY 2016/SECURED DEBT=24,822/September 2017=5,250
    MORTGAGE FREE 25/07/16
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

139Posts Today

1,470Users online

Martin's Twitter
  • I was surprised to see the three people in front of me in the newsagents were all shocked their old £1 coins were no longer taken.

  • RT @natdebtline: If you?ve been visited by a bailiff since April 2014 we want to hear your story for our #bailiffreform campaign https://t.?

  • Well so far it seems there's one thing remainers and leavers agree on - the EU is getting the better of the negotia? https://t.co/70z5ffpG8S

  • Follow Martin