We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Debt Free!!
geeka
Posts: 239 Forumite
Well its finally happened, im now debt free. Paid my final barclaycard payment this morning and cleared my overdraft. £29k gone in 6 years.
Just a message to everyone who is aiming to be debt free to keep going, you will get there and it is worth the effort.
6 years of scrimping, bargaining, selling stuff, extra jobs and hard work.
I've learnt to budget, find bargains, mystery shop and I now am so clued up money wise now I am offering advice to other people for them to save money!
Just a big thanks to all on here who have helped with comments and ideas, just reading ideas and suggestions to save money has been so helpful.
CCCS (Stepchange) have been brilliant and I can't thank them enough, they helped me thorugh all the paperwork and it's quite easy once you know your rights.
My big 3 tips for getting though it.
- Buy basics food wise (except meat)
- get reduced price food from supermarkets and markets (i know all the times of when stuff is redcued for all supermarkets near me)
- don't be scared to talk about it with people, there are alot of people in the same situation. I've helped 6 people from going under by helping them, this process is tough but you become enlighted from it.
You can all do it!
Tim:beer::beer::beer:
Just a message to everyone who is aiming to be debt free to keep going, you will get there and it is worth the effort.
6 years of scrimping, bargaining, selling stuff, extra jobs and hard work.
I've learnt to budget, find bargains, mystery shop and I now am so clued up money wise now I am offering advice to other people for them to save money!
Just a big thanks to all on here who have helped with comments and ideas, just reading ideas and suggestions to save money has been so helpful.
CCCS (Stepchange) have been brilliant and I can't thank them enough, they helped me thorugh all the paperwork and it's quite easy once you know your rights.
My big 3 tips for getting though it.
- Buy basics food wise (except meat)
- get reduced price food from supermarkets and markets (i know all the times of when stuff is redcued for all supermarkets near me)
- don't be scared to talk about it with people, there are alot of people in the same situation. I've helped 6 people from going under by helping them, this process is tough but you become enlighted from it.
You can all do it!
Tim:beer::beer::beer:
0
Comments
-
Congratulations
My first DMP payment is due on the 27th. Its going to take about 7 years to clear my debt. Determined to do it in half of that!
Its nice to see people have been where I am, and have come through it ok
0 -
Well done Tim! You're an inspirationUnsecured debt 2008 c £45,000
Current unsecured debt February 2016 £1,734.85
0 -
Congratulations. You should be really proud.:beer:
Good luck sharp.0 -
Well done! It gives us all hope that we will get there. Enjoy your debt free life!0
-
Well Done!0
-
Fantastic news geeka, well done!
Don't forget to post on the debt free roll of honour if you haven't already Could you do with a Money Makeover?
Follow MSE on other Social Media:
MSE Facebook, MSE Twitter, MSE Deals Twitter, Instagram
Join the MSE Forum
Get the Free MoneySavingExpert Money Tips E-mail
Report inappropriate posts: click the report button
Point out a rate/product change
Flag a news story: news@moneysavingexpert.com0 -
Heartiest congratulations - saw your post by chance, but had to add another Well Done!!! indeed.
The future IS all yours now, not in hock to others.
Sleep well tonight and wake-up debt-free tomorrow for the first time since 2007.
It really is an outstanding achievement, Tim.CAP[UK]for FREE EXPERT DEBT &BUDGET HELP:
01274 760721, freephone0800 328 0006'People don't want much. They want: "Someone to love, somewhere to live, somewhere to work and something to hope for."
Norman Kirk, NZLP- Prime Minister, 1972
***JE SUIS CHARLIE***
'It is difficult to free fools from the chains they revere' François-Marie AROUET
0 -
Congratulations on becoming debt free:TSmile loan - £2821.98 / £0:)
Lloyds CC - £3102.54 / £3071.51
B'Card - £7615.65 / £7444.30
Bank of mom - £6000 / £6000
28/02/17 £ 19,540.17 / £16515.81 05/04/170 -
Congratulations!!
:TSealed Pot Challenge - No. 117
Bank of Mum & Dad - £3150/£10,000 (£6850 to go) Bank of In Laws - £4600/£12,000 (£7400 to go)
MFW - MFD - [STRIKE]5 Apr 2029[/STRIKE] 5 June 2025 : AIM = NOV 2019 (back up aim = MAR 2023)0 -
Yippee? What are you going to do now you control yourown money?0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.4K Banking & Borrowing
- 252.9K Reduce Debt & Boost Income
- 453.3K Spending & Discounts
- 243.4K Work, Benefits & Business
- 598K Mortgages, Homes & Bills
- 176.6K Life & Family
- 256.5K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards