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    • MSE Martin
    • By MSE Martin 26th Oct 06, 4:03 PM
    • 8,107Posts
    • 42,239Thanks
    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 84
    • grannybiker
    • By grannybiker 29th May 17, 8:36 PM
    • 10,481 Posts
    • 1,009,080 Thanks
    Switched to an off-set mortgage when we were both working full time.
    This meant we repaid it a full 3 years early

    Thrifty living has meant we're now debt & mortgage free so I don't have to work and Mr GB only needs to do 3 days a week. Life is for living
    Worse things will have happened in the world today...
    "The only thing that really matters, it to love and to be loved."
    • sallymander
    • By sallymander 5th Jun 17, 9:07 PM
    • 261 Posts
    • 864 Thanks
    Hi all,

    After going quiet for a while i can now report that i am debt free, Woohoo,

    So.... my lightbulb moment was January 2009.

    My debts were £30k st their highest

    And i was finally debt free on 26.5.17.

    My pearl of wisdom if you can call it that is to keep going, it took me longer than i anticipated to pay it off (8yrs 4mths rather than 6yrs 10mths) because life doesnt always go to plan, but every step in the right direction will help.

    The debt free wannabe boards were so helpful and everyone was supportive and friendly.

    I also involved my OH and although i wouldnt let him pay any off for me (stubborn like that!) we did clear out the loft amd ebay together.

    Now im determined to pay off the mortgage early so we can retire early!

    Good luck and stay strong to anyone still on their debt free journey.
    Official DFW Nerd Club No. 1150 - Long Haul Supporters Club No 186 - Debt free 26.5.17
    Proud to have dealt with my debts
    • Anna9733
    • By Anna9733 6th Jun 17, 6:52 PM
    • 3 Posts
    • 3 Thanks
    Well done! We are technically debt free after just paying off last 2 debts on credit files! YAY!! I say 'technically' as we have statute barred debt and one we're arguing legally as they told us wrong balance and we could have paid it off (it's complicated but if they pursue it further we have 2 counts of misconduct on their part, so I ain't paying it!).... You are all amazing and inspirational x
    • loken152
    • By loken152 15th Jun 17, 10:54 AM
    • 33 Posts
    • 56 Thanks
    Lightbulb moment: April 2015

    Debts at highest: £18k

    Debt-Free Date: 10th June 2017

    Pearl of wisdom: 1st things first make sure you have a emergency fund say 1k to the side, as something will bite you in the !!!! during the journey, our fridge freezer broke a month before christmas. Do a written budget every month, so you know where each penny is going. Do a meal plan each week and do a shopping list to buy the items needed for each meal, so that you buy what you need and not what you want. To borrow an expression from Mr Ramsey, live like no one else today, so that you can live and give like no one else tomorrow.
    Last edited by loken152; 15-06-2017 at 11:35 AM.
    • Tipsntreats
    • By Tipsntreats 16th Jun 17, 10:53 PM
    • 6,851 Posts
    • 8,255 Thanks
    Debt free December 2016.
    No idea how this thread works. But supporting others to their goal.
    Money, money, money
    Must be funny
    • Ben75
    • By Ben75 23rd Jun 17, 1:05 PM
    • 46 Posts
    • 39 Thanks
    Debt Freeeeeeeeeeee
    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
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