The Debt Free Roll Of Honour

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  • Tipsntreats
    Tipsntreats Posts: 8,612 Forumite
    Debt-free and Proud!
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    Debt free December 2016.
    No idea how this thread works. But supporting others to their goal.
  • Ben75
    Ben75 Posts: 59 Forumite
    Debt-free and Proud!
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    After settling my last debt, and getting a backdated payrise on Wednesday, I am debt free.

    My LBM was early 2010, a few months before I was made redundant

    Debts at their highest were over £50k

    My debt free date was 21st June 2017

    Thanks to everyone who posted their stories, especially grateful to the F&F settlement thread and the regular contributors on there, helped me keep my eyes on the prize.

    My best piece of advice: buy and use YNAB
  • karenccs67
    karenccs67 Posts: 1,080 Forumite
    First Anniversary First Post Debt-free and Proud!
    edited 29 June 2017 at 10:56AM
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    I'm debt free !!! :beer:

    TBH I didn't have a lot of debt but more bad habits and lack of will power, focusing on small goals and achieving them has helped to break those bad habits.

    LBM: Listening to Martin Lewis and using this site and the forums & watching Dave Ramsey and realising if we could save a emergency fund then there would be no need to use the credit card. :T

    DFD: 25 June 2017 :j
    ***Dont save what is left after spending, spend what is left after saving***
  • leighavfc
    leighavfc Posts: 266 Forumite
    First Anniversary Name Dropper First Post Combo Breaker
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    Debt free as of 28/6/17, debt wasn't massive overall (just under 11k if memory serves me right). Was tough mentally but i stayed strong and determined to better myself.

    Can finally say bye bye debt, hello world!
    DEBT FREE AS OF 28/6/17 :j:beer:
  • Whoknowskt89
    Whoknowskt89 Posts: 262 Forumite
    Debt-free and Proud! Newshound!
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    Debt at highest: £3205 (tiny in comparison to most)
    Loan started May 2016 meant to be 3 years at just shy of 12% Apr
    Fully paid off today so nearly 2 years early (partly due to a promotion at work)

    Bye debt, hello healthy looking bank accounts!
  • legogingerninja
    legogingerninja Posts: 35 Forumite
    Debt-free and Proud!
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    Date of your lightbulb moment: Late 2012

    Debts at their highest: £15,000

    Debt-Free Date: 1 July 2017

    Pearl of wisdom: It's easier to save money not buying stuff than it is to make money selling stuff

    Links to the MSE guides that helped you: This whole site. Repeatedly. For many years. (I love MSE) Also, updating my forum signature was great at helping me see progress.

    Debt diary: http://www.wantless.co.uk/

    Overdraft: [STRIKE]£1,528[/STRIKE] £0 :) | Car loan: [STRIKE]£6,671[/STRIKE] £0 :) | Credit card 1: [STRIKE]£564[/STRIKE] £0 :) | Credit card 2: [STRIKE]£4,689[/STRIKE] £0 :) |
    Total:     [STRIKE]£13,452 (Sep '12)[/STRIKE] £0 (Jul '17)     :beer:
  • Bill_Bowman
    Bill_Bowman Posts: 8 Forumite
    Debt-free and Proud!
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    Date of your lightbulb moment: Jan 2017 (birth of first child)
    Debts at their highest: £17,500
    Debt-Free Date: July 4th 2017
    Your one perl of wisdom: Measure your progress. It turns it into a game. I always looked at % reduction each month and it made me happy.
    Which forum threads helped you: The one I started to get advice on how to become more financially responsible - thanks to everyone who contributed and provided advice. (I can't post the link).
  • sunshinegirl66
    sunshinegirl66 Posts: 28 Forumite
    Debt-free and Proud!
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    Please add me to the roll of honour.
    I paid off our debt of £37000 in October 2016 having our lightbulb moment in December 2007.:j
  • Amberamber80
    Amberamber80 Posts: 41 Forumite
    Debt-free and Proud!
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    Lightbulb moment: April 2008

    Debts at highest: £18K

    Debt-Free Date: 1st July 2017

    Pearl of wisdom: Learn how to budget...like properly budget! So thankful for this site and Payplan for helping with that. Save an emergency fund first...I didn't do this and got really stuck when needed washing machine etc.

    DON'T GIVE UP....there are some really horrible times when you will want to scream/cry/give up but keep going. Proud I finally did it and all on my own!!!:j

    :T
  • Tipsntreats
    Tipsntreats Posts: 8,612 Forumite
    Debt-free and Proud!
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    Congratulations to Ben75,karenccs67,leighavfc.Whoknowskt89,legogingerninja.Bill Bowman,sunshinegirl66 and Amberamber80.
    Let us all support the wannabees.
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