The Debt Free Roll Of Honour

Munchin wrote: »

Hi all,

It might take a wee while for it to sink in but I'm DEBT FREE:D

Date of LBM:On this occasion Nov 2011 - however I had cleared a previous debt on here a few years before and let it creep up again.

Debts at their highest:Probably around £8000 but I started my diary when I was at £5608.30

Debt free date:30/07/2013

Pearl of wisdom:For me it was updating my MSE diary especially when I got a bit spendy. Reading other peoples diaries was so motivational as we are all in the same boat:) and keeping a spending diary. Also Martin's mantra "Do I need it etc"

Forum threads that helped: Lots & Lots - thank you to everyone who popped into my diary or even just lurked and those that helped me in challenges. Special mention to some challenges - Debt free by Xmas, 100 day challenge and NSKs challenges.

So the plan now is to build a savings pot for lifes little eventualities and to try and make sure that I don't build up the debts again. Thank you all for your help:D

Superb effort Munchin - well done


Greying

Congratulations to you all and what inspiration this thread is to the rest of us.

Well the last time I remember that everything was paid up, I was 24, which was 29 years ago!

The muck truely hit the fan in 2008 and I did quite well to start with but then the total's started to rise again. I joined MSE in 2011, my diary was called 2nd lightbulb moment and although I was rubbish at keeping the diary I have learned loads which helped me succeed.

Debt at its highest was £32,000 but with fluctuations and interest, I've probably repaid £40,000. :T

Can I have one of those little icons pretty please???

Hey BB,

Congratulations on your achievement. I had been following your progress, by checking out your signature when you posted. It seemed like that last £173.00 took forever to clear (it was probably only a month from your last pay day), but you've done it now, well done.

So for the second time I am officially debt free :j:j:j

In Dec 06 I owed £15,250.33, debt free 20.11.10! swore to never again be in debt but due to hours at work being cut back and some huge expenses I dipped back into the overdraft and owed £1800 but today, 23rd August 2013 i'm finally back in the black! woop!! I am getting rid of the overdraft. I never want to be in debt again!!

The thread that helped me most is the make £10 a day challenge for sure! this is what's helped me get out of debt twice. Full of friendly, helpful people with lots of money making advice and support