The Debt Free Roll Of Honour
Comments
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Lightbulb moment: 28th October 2016
Debt at highest: £13,000
Debt free date: Today (15th September 2017) having been paid :money:
I can't believe I'm here! It seemed so insurmountable at one point. It's been a combination of saving, a promotion and an unexpected windfall to pay the remainder. I will never be in debt again I know that much. Credit to this forum for being an amazing inspiration.CC and Loan Debts: [STRIKE]£11,674[/STRIKE] [STRIKE]£11,537[/STRIKE] [strike]£10,358.74[/STRIKE] £0 :j
Debt Free Date: 15/09/20170 -
LBM - April 2013
Total Debt - 76k
Debt free date- September 2017
Pearl of wisdom - Stepchange literally gave me a light at the end of the tunnel and gave me my life back.
And have multiple bank accounts for different reasons and check your balances all the time - ignoring this helped me get into such a mess in the first place!
Now to enjoy the rest of my life as a saver not a spender!0 -
Debt free today!
Debt at highest was c£45,000
Feels so strange as spent half my life and my whole aldult life oweing money to someone.£22k debt paid off and now to save (£5k saved so far 20.12.2017)0 -
Even though SC confirmed that my creditors had been paid, I've received letters from two of my six creditors acknowledging payment. Just waiting on the rest now.
It's a good feeling :jDebt-Free as of 12th September 2017
£[STRIKE]12,000[/STRIKE] > £0
:beer::j0 -
LBM - April 2013
Total Debt - 76k
Debt free date- September 2017
Pearl of wisdom - Stepchange literally gave me a light at the end of the tunnel and gave me my life back.
And have multiple bank accounts for different reasons and check your balances all the time - ignoring this helped me get into such a mess in the first place!
Now to enjoy the rest of my life as a saver not a spender!robbierude wrote: »Debt free today!
Debt at highest was c£45,000
Feels so strange as spent half my life and my whole aldult life oweing money to someone.Even though SC confirmed that my creditors had been paid, I've received letters from two of my six creditors acknowledging payment. Just waiting on the rest now.
It's a good feeling :j
Well done all, great result for you !!!I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0 -
:beer:
UPDATE:
Confirmation letters from my remaining creditors that I’m clear of debtDebt-Free as of 12th September 2017
£[STRIKE]12,000[/STRIKE] > £0
:beer::j0 -
:beer:
UPDATE:
Confirmation letters from my remaining creditors that I’m clear of debt
Huge congratulations!! :j:beer:Could you do with a Money Makeover?
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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 :jDebt at 04/09/2016 = £12,757.68 / Debt today = £0!!
DFD: 4th October 2017!!0 -
Well done!:TDebt-Free as of 12th September 2017
£[STRIKE]12,000[/STRIKE] > £0
:beer::j0 -
:beer:
UPDATE:
Confirmation letters from my remaining creditors that I’m clear of debtillustrateddame wrote: »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 :j
Well done to you both
I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0
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