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beth3735
beth3735 Posts: 499 Forumite
Part of the Furniture 100 Posts Combo Breaker Debt-free and Proud!
in Debt-free wannabe
I have just got off the phone to my last creditor and paid them in full. That means that my last 6 creditors have had their full money today and I am officially Debt Free 5 months earlier than planned :)

I am so pleased to of had the help from the CCCS/stepchange for the past 6.5 yrs, I know 100% if they hadn't of helped I would definatly be in around 18k worth of debt or more, as my payments before just weren't touching the balances.

Its been a long old road, but hopefully one I have learnt a lot from.

Going on holiday tomorrow so the timing is perfect, means I can celebrate debt freedom while away with my little family :) :j

For those starting their debt free journey, stick at it, its all worth it in the end!
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Comments

  • EverTheOptimist
    EverTheOptimist Posts: 2,695 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Ah congratulations Beth. Fantastic result. :j:j I know from your other posts that you were trying desperately to bring your DF date forward. So well done. And enjoy that holiday. xxx
    SPC 18 Target £200 /
  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    Congratulations. :beer:

    Don't forget to add yourself to the Debt Free Roll of Honour. (You may even get a badge ;))
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • beth3735
    beth3735 Posts: 499 Forumite
    Part of the Furniture 100 Posts Combo Breaker Debt-free and Proud!
    Thank you ETO :) I have been mad saving recently and doing overtime as much as I can. Paid off in the end. Will hopefully have a fab holiday!

    Thanks Fermi, Will put myself on there in a bit, its nice to be able to join that thread now :)
  • josiebabie
    josiebabie Posts: 1,224 Forumite
    Tenth Anniversary Combo Breaker
    Congratulations Beth, great news :)
    Nothing to report as yet...give me a minute...!
  • Dragonista
    Dragonista Posts: 138 Forumite
    Congratulations! You definitely deserve the holiday. Going anywhere nice?
  • beth3735
    beth3735 Posts: 499 Forumite
    Part of the Furniture 100 Posts Combo Breaker Debt-free and Proud!
    Thanks Josiebabie,

    Your sig is fab, wtg on how much you have paid over such a small period of time :)
  • beth3735
    beth3735 Posts: 499 Forumite
    Part of the Furniture 100 Posts Combo Breaker Debt-free and Proud!
    Thank you Dragonista :) We are going to Menorca for the week. Going to celebrate with a vodka slush or 2 :p
  • moohound
    moohound Posts: 1,209 Forumite
    Debt-free and Proud!
    That is an awesome achievement!

    enjoy your debt free life!!!!!!!!!!!!!!!!!!!!!

    :j :beer: :j :beer: :j :beer: :j
    ISA £1675 :DMiniMoohound savings £3685.86 :T Plus £3800 CTF :)
    'MrMoneyMuststache' my new hero, Martin Lewis my long time hero
    Poacher turned Gamekeeper
    Roadkill rebel No 52 Aug £1.34p Sept 24p Oct 5p Nov 5p Sealed pot Challenge No 403 £176.66(2014) :staradmin NOV NST No 20
  • beth3735
    beth3735 Posts: 499 Forumite
    Part of the Furniture 100 Posts Combo Breaker Debt-free and Proud!
    Thank you Moohound :) It will be your turn soon. I do plan on staying as far away from debt as possible now, as its the 2nd time I have had to pay it all back! Learnt from it now though.

    Going to try and get obsessed with saving now as much as I was obsessed with paying these debts back :)
  • moohound
    moohound Posts: 1,209 Forumite
    Debt-free and Proud!
    beth3735 wrote: »
    Thank you Moohound :) It will be your turn soon. I do plan on staying as far away from debt as possible now, as its the 2nd time I have had to pay it all back! Learnt from it now though.

    Going to try and get obsessed with saving now as much as I was obsessed with paying these debts back :)

    I hope I can join you soon :)
    ISA £1675 :DMiniMoohound savings £3685.86 :T Plus £3800 CTF :)
    'MrMoneyMuststache' my new hero, Martin Lewis my long time hero
    Poacher turned Gamekeeper
    Roadkill rebel No 52 Aug £1.34p Sept 24p Oct 5p Nov 5p Sealed pot Challenge No 403 £176.66(2014) :staradmin NOV NST No 20
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