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@.

    • MSE Martin
    • By MSE Martin 26th Oct 06, 4:03 PM
    • 8,109Posts
    • 42,243Thanks
    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


    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'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

    Debt-Free Wannabee Official Nerd Club: (Honorary) Members number 000
Page 85
    • vintagebrighton
    • By vintagebrighton 18th Aug 17, 1:44 PM
    • 534 Posts
    • 1,566 Thanks
    Lightbulb moment middle of 2006

    Debt at highest Initially £38,000 but added to later

    Debt free date Yesterday when I finally paid the last of the £10,000 my sister lent me

    It's been a long, long time coming - I went bankrupt in 2008 but my mental health really suffered. I kept going (I had children to support) went self employed then diagnosed with cancer then retrained started a business then diagnosed again Lost my business and spent my savings trying to live on ESA. But, here I am, debt free 11 years since my lightbulb moment

    Pearl of Wisdom Keep going. It's like dieting, if you fall down, pick yourself up, learn from it and get right back on it. There's nothing as good as that feeling of freedom not having debt gives you

    VB x
    Food Budget ~ £120/£160
    Weight Loss Challenge ~ 38/84 NSD ~ 11/18
    • doingitanyway
    • By doingitanyway 20th Aug 17, 5:16 PM
    • 1,879 Posts
    • 8,521 Thanks
    Bravo Vintage Brighton

    Enjoy your DF life.
    JANUARY 2016/SECURED DEBT=24,822/September 2017=6,448
    MORTGAGE FREE 25/07/16
    • LionessInWinter
    • By LionessInWinter 20th Aug 17, 6:33 PM
    • 365 Posts
    • 2,293 Thanks
    Congratulations!!! You must feel great to have this burden lifted
    PAYDBX17 - #9 £11000/ £14000 Paid £1000/£1000 credit card , £5000/ £8000 car, £5000/ £5000 loan [/SIZE]
    • lumpyspaceprincess
    • By lumpyspaceprincess 1st Sep 17, 10:37 AM
    • 127 Posts
    • 282 Thanks
    Lightbulb moment:April 2014

    Debt at highest: DMP plus overdraft etc £27,500

    Debt free date: Today, as I just made the lastpayment on my DMP this morning!

    Pearl of wisdom: Don’t run headfirst into a DMP until you’ve read the forums properly! I had to take 2 months off very early into my plan, as I didn’t do token payments / I didn’t have an emergency fund to cover something I couldn’t avoid. Also – if you can face it - keep checking your balance / credit files. Seeing things improve month on month really bolstered me when things were hard, being able to look back at the %age I’d paid off and seeing it accumulating.

    I can’t wait now to start saving for a house deposit so we can have our own home, however being the main breadwinner and seeing the benefit of that for a few months first will be nice!
    ¤ £25k paid off with Stepchange DMP ¤ Debt Free 01/09/17 ¤
    ¤ Saving for a house deposit by '19 ¤ Savs @ £200 ¤

    • ktcoil
    • By ktcoil 4th Sep 17, 2:52 PM
    • 514 Posts
    • 35 Thanks
    Got debt free in 2014 but now have a mortgage
    • submarine76
    • By submarine76 5th Sep 17, 8:01 AM
    • 104 Posts
    • 339 Thanks
    Lightbulb Moment:11 Nov 14

    Debt at Highest:£25,013.98

    Debt Free Date:5 Sep 17

    Pearl of Wisdom:It's a marathon not a sprint. If you have a month where you don't meet you targets don't beat yourself up, regroup and go again, just never give up. Start an emergency fund at the same time, I'm not only debt free today but also have £2,000 in the bank for whatever may be around the corner.
    LBM 11 Nov 14 DFD 1 Feb 18 now 5 Sep 17
    CC £7,666.00 now £0 Car Loan £10,201.30 now £0
    Tesco Loan £2,806.58 now £0 Santander Loan £3,000.00 now £0
    Overdraft £1,000.00 now £0
    Total £25,013.98 - now £0
    Emergency Fund £2000 Savings £100.00 Mortgage £84,087.00
    • doingitanyway
    • By doingitanyway 5th Sep 17, 8:21 AM
    • 1,879 Posts
    • 8,521 Thanks
    An amazing achievement and good tip re starting an emergency fund at the same time. Enjoy your debt free life
    JANUARY 2016/SECURED DEBT=24,822/September 2017=6,448
    MORTGAGE FREE 25/07/16
    • thebestdayever
    • By thebestdayever 5th Sep 17, 10:28 PM
    • 6 Posts
    • 3 Thanks
    By debt free, what do you mean exactly?
    • eco farmer
    • By eco farmer 6th Sep 17, 9:12 AM
    • 105 Posts
    • 390 Thanks
    eco farmer
    unsecured debt. basically anything that's not your mortgage.
    debt free 1st October 2016
    • flatbroke49
    • By flatbroke49 9th Sep 17, 12:09 PM
    • 41 Posts
    • 83 Thanks
    I now have choices
    LBM 2009
    Total debt £70000

    Debt free 6/9/17
    Did: 5/9/17. Total repaid £70000!!!!!
    Mortgage 1/9/2017 34000
    • doingitanyway
    • By doingitanyway 9th Sep 17, 9:38 PM
    • 1,879 Posts
    • 8,521 Thanks
    An amazing achievement. Enjoy your debt free status
    JANUARY 2016/SECURED DEBT=24,822/September 2017=6,448
    MORTGAGE FREE 25/07/16
    • By ROCKINGHAM 10th Sep 17, 6:43 AM
    • 904 Posts
    • 8,819 Thanks
    MORTGAGE FREE 29 Aug 2017.
    • sugarcube84
    • By sugarcube84 12th Sep 17, 11:20 AM
    • 539 Posts
    • 542 Thanks
    Lightbulb moment: September 2011

    Debt at highest: Around £20k

    Debt free date: Today

    Pearl of wisdom: Sometimes you have to accept you are in for the long haul, keep going it's worth it in the end, dont deprive yourself a little treat now and again.. bottle of wine/box of chocs/some nice bath stuff. It makes it easier to keep focused, otherwise you can easily become demotivated and think you may as well not bother and fall off the wagon (so to seak). Learned that the hard way :-)

    Our debt free date is all the more special as today we have exchanged on our new house. This is something that seemed so far off at times during our df journey.
    DFD September 2017
    • sile001
    • By sile001 12th Sep 17, 5:18 PM
    • 84 Posts
    • 70 Thanks
    Subject to bank clearance etc and payments sent to creditors, as of today (12th September 2017), I am DMP free.
    Debt-Free as of 12th September 2017

    £12,000 > £0

    • poorbabe
    • By poorbabe 14th Sep 17, 8:29 PM
    • 890 Posts
    • 1,800 Thanks
    I've had to turn in my DF trophy for the time being. Aiming to collect it in 18 months.
    Back on the debt-free trail using challenges to help me achieve my goal.
    • Eleven_Eleven
    • By Eleven_Eleven 15th Sep 17, 5:06 PM
    • 7 Posts
    • 36 Thanks
    Lightbulb moment: 28th October 2016

    Debt at highest: £13,000

    Debt free date: Today (15th September 2017) having been paid

    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: £11,674 £11,537 £10,358.74 £0

    Debt Free Date: 15/09/2017
    • ANewLeaf
    • By ANewLeaf 18th Sep 17, 10:49 PM
    • 16 Posts
    • 54 Thanks
    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!
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

4,389Posts Today

7,662Users online

Martin's Twitter
  • Shana tova umetuka - a sweet Jewish New Year to all celebrating. I won't be online the rest of t'week, as I take the time to be with family

  • Dear Steve. Please note doing a poll to ask people's opinion does not in itself imply an opinion!

  • Luciana is on the advisory board of @mmhpi (we have MPs from most parties)

  • Follow Martin