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Debt Free AT LAST !

leighavfc
leighavfc Posts: 266 Forumite
Ninth Anniversary 100 Posts Name Dropper Combo Breaker
edited 6 July 2017 at 12:59PM in Debt-free wannabe
Hi all

Well as the title says i am DEBT FREE as of today!

I just wanted to say to all on MSE forums..... THANK YOU!

Your advice, criticism, help and comments have been so helpful and are the main reason i am where i am today. I was clueless about all things to do with debt etc until i joined here to ask for advice. Every comment, reply and criticism has sunk in and provided me with knowledge going forward.

There are sooooooooooooo many good knowledgeable posters on here, so to anyone just joining and at the start of the bumpy debt road... you are in the right place and please please take the advice on board as you WILL get to the end of the road with the help of everyone on here!!

Thanks again everybody, i love you all :T

[purplesignup][/purplesignup]
DEBT FREE AS OF 28/6/17 :j:beer:
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Comments

  • StopIt
    StopIt Posts: 1,470 Forumite
    Congratulations.


    Have you put yourself on the debt free roll of honour ?:)

    In debt and looking for help? Look here for the MSE Debt Help Guide.
    Also, If you need any free and impartial debt advice, the National Debtline, Stepchange, and the CAB can help.
  • enjoyyourshoes
    enjoyyourshoes Posts: 1,093 Forumite
    Seventh Anniversary 1,000 Posts Combo Breaker
    well done, now the hard bit starts and start saving with the cash you used to get debt free, identify a new goal and go for it. Regular savers are a neat way to start
    Debt is a symptom, solve the problem.
  • whattodo1967
    whattodo1967 Posts: 82 Forumite
    Eighth Anniversary Combo Breaker Debt-free and Proud!
    Huge congratulations, well done must be a great feeling :)
    LBM April 2012, started Dmp with Stepchange June 2012 £47k:eek: Proud to finally be dealing with our debts:)
    Nov 18 3 more payments to DFD
    Dec 18 2 more payments to DFD
    Jan 19 1 more payment to DFD
    Feb 19 Last Payment now debt free :)
  • Ilona
    Ilona Posts: 2,449 Forumite
    Well done, now start planning what you are going to do with the money you are no longer paying towards your debt. Work out your priorities, save for big purchases, and have a happy life.

    ilona
    I love skip diving.
    :D
  • milann
    milann Posts: 11,744 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Well done - you've inspired me to keep at it - I'm not too far off bit keep considering 0% bank transfers . Your post was just what I needed to see this morning.
    January spends - £587.58
  • tealady
    tealady Posts: 3,856 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Congratulations! Its a lovely feeling isnt it.
    Hope the MSE badger calls soon, so get youself on the Roll of Honour
    Find out who you are and do that on purpose (thanks to Owain Wyn Jones quoting Dolly Parton)
  • leighavfc
    leighavfc Posts: 266 Forumite
    Ninth Anniversary 100 Posts Name Dropper Combo Breaker
    Thank you all for your comments!

    StopIT, i will put myself on the debt free roll of honour ASAP :)

    enjoyyourshoes , I am about to start the process of saving and am trying to get myself in a position to get on the property ladder soon to provide a house for me, my partner and kids.


    whattodo1967 it is a fantastic feeling, probably the best i have felt bar the birth of my kids :)

    Ilona, thank you and as stated above i am starting to save for the first time in my life (im 29!!!). And yes this is definetly the way i am looking at finances these days. No loans etc for purchases, save the money and purchase!


    milann, Thank you, and keep yourself going!! You WILL get there , i often thought there was no light at the end of the tunnel but now i have reached the end and it feels great im telling you!!

    This has been a massive learning curve for me, i am actually quite happy that i went through this experience because it has taught me a LOT. I actually had some of the best times of my life without having money to do anything with. Just simple things like teaching my son how to play football and having the time to spend with him, which imo if i wasnt in debt i would be more tempted to do other things!

    I got into trouble months before my first son was born, so it has been a massive struggle at times, i remember the week me and my partner had to feed 3 of us for a week on £18..... Which we did succeed but was bloody tough mentally. I now have 2 sons and it feels like my life is starting again, actually having money in my pocket to provide all the stuff they need without worrying where its coming from or what im not going to pay this month to fund anything needed.

    Thanks again people, if anyone wants some moral support or advice please dont hesitate to message as im more than happy to help :)
    DEBT FREE AS OF 28/6/17 :j:beer:
  • enjoyyourshoes
    enjoyyourshoes Posts: 1,093 Forumite
    Seventh Anniversary 1,000 Posts Combo Breaker
    help to buy isa? Instead of regular saver then.
    Debt is a symptom, solve the problem.
  • Former_MSE_Andrea
    Former_MSE_Andrea Posts: 9,609 Forumite
    1,000 Posts Combo Breaker I've helped Parliament Rampant Recycler
    Huge congratulations from everyone at MSE Towers!
    Could you do with a Money Makeover?


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  • January2015
    January2015 Posts: 2,369 Forumite
    Eighth Anniversary 1,000 Posts Combo Breaker
    Well done - enjoy the beginning of the rest of your debt free life :)
    DFW Nerd No. 1484 LBM 07/01/15 Debt was £95k :eek: Now debt free and happy :j
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