Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    In Search Of Me
    The long haul supporters thread...
    • #1
    • 21st Oct 07, 6:51 PM
    The long haul supporters thread... 21st Oct 07 at 6:51 PM
    Hellow lovely DFW'ers! Many many moons ago when I was a baby DFW we had a thread for the long haulers - ie those of us who because of enormous debts will be here for a looooong time. In view of the fact that there are a few of us again I thought it would be nice to start a long haulers thread agaon, the previous one probably being a zillion pages back!
    Being in debt for years can be quite depressing (possibly why I had a blip & then had to come back...with more debt...doh, will I ever learn!!). My last loan payment will be paid off in about 7 years, when I am 45!! Anyone want to join me in support, moans, mini goals and general support on the long road ahead?

    As of 21/11/07 I will allocate the new numbers - if you would like a number please pm me & I'll add you to the list below ASAP. It try to add them every few days but if work/life very busy it may take a bit longer! If I havent done it in a week feel free to chase me up!!

    In Search Of Me (1)
    Vyvyan (2)
    Gemmzie (3)
    Coolmum (4)
    Hypno (5) debt free 23.12.2010!!!
    Yellow Monkey (6)
    Cat4772 (7)
    onamission (8)
    Seaxwyn (9)
    Craftingqueen (10)
    Lauradora (11)
    Weemac (12)
    OliveOyl (13)
    Donedoingdebt (14)
    Tontopav (15)
    LennyMFO (16)
    Spud30 (17)
    Mupeteer (18)
    sprit (19) Debt free 18/6/2010
    penguin83 (20)
    Millionaireintraining (21)
    hbslc (22)
    kickingdebt (23)
    yellowleaf (24)
    jacks xxx (25)DFD 01/03/09
    jumps (26)
    pollydaydream (27)
    sea78 (28)
    meerkat2007 (29)
    lucy1982 (30)
    Claireac (31)
    nutters (32)
    roxy7699 (33)
    1stepcloser (34)
    MissKJ (35)
    Lemon Tree (36)
    Plan Better (37)
    Pania (38)
    Numpty Monkey (39)
    Mcardinalblue (40)
    taxi73 (41)
    betti911 (42)
    poorbabe (43)
    blissfulbabe (44)
    Haystakk (45)
    Lunar (46)
    kdean (47)
    Miss_corerupted (48)
    louise3965 (49)
    MadDogWoman (50)
    mummum2 (51)
    candyblue (52)
    cdg111 (53)
    djsfreeman (54)
    Blue Panther (55)
    Learned The Hard Way (56)
    Spendthrift66 (57)
    HBFS (58)
    Squirrel29 (59)
    Nelmer (60)
    theunknownstuntman (61)
    Mark Russell 78 (62)
    Karmakat (63)
    Cheap as chips (64)
    kika (65)
    lepylew (66)
    phrophecy_grrl (67)
    Angelflower (68)
    lavenderlily (69)
    autismmum (70)
    Trying_hard (71)
    Ama (72)
    Hunnybeanz (73)
    WorkingHardDFW (74)
    Jonnyboy80 (75)
    churchrat (76)
    Giggal (77)
    ladygrim (78)
    Tamilla (79)
    philwantstobedebtfree (80)
    Stressed steph (81)
    saubryn (82)
    debt4evernot (83)
    jappie (84)
    Need To Sort It (85)
    heffi1 (86)
    debrag (87)
    wendy249 (88)
    takeittothelimit (89)
    ginormousflares (90)
    kelly-jelly (91)
    Tesco Tom (92)
    TwimMummy (93)
    reventon (94)
    mollypolly (95)
    moneymaker 2 (96)
    Donnadebtor (97)
    mandoo (98)
    jennyred (99)
    truelymadlydeeply_indebt (100)
    mojo-jojo (101)
    poor&indenial (102)
    Candy0107 (103)
    melvis (104)
    jean 68 (105)
    moneydesperatex (106)
    Anniemay (107)
    Phoenixchick (108)
    Queen.Bess (109)
    sparky0107 (110) Debt free 21/1/12
    mark88man (111)
    chimp choker (112)
    xpetalx (113)
    suzialwaysbroke (114)
    ltm07 (115)
    tinkerbell12 (116)
    giddykipper (117)
    Rammstein1 (108)
    Jelly babies (109)
    thevinternet (110)
    In The Brown Stuff (111)
    loopylu36 (112)
    dubgirl (113)
    skibadee (114)
    tigert (115)
    frazzmunch (116)
    poosmate (117)
    bells&whistles (118)
    kebabed (119)
    bill no money (120)
    noggin (121)
    kpwll (122)
    jenevive (123)
    lucielle (124)
    herewegoagain (125)
    SouthernSoftie (126)
    milliemonster (127)
    deep in the red (128)
    Little Richard (129)
    f1widow (130)
    savingholmes (131)
    happytogetdebtfree (132)
    Home James (133)
    rubydoiwannabee (134)
    the _harrys (135)
    jacci_45 (136)
    mascott514 (137)
    princesspeach (138)
    margb(139)
    geranium72 (140)
    petrafyde (141)
    cho8925873 (142)
    piquant (143)
    black taxi (144)
    sashanut (145)
    toffee penny (146)
    too_much_debt (147)
    cornishinfens (148)
    Honky Tonk (149)
    scaredy_cat (150)
    clarab (151)
    thriftyscotslass (152)
    john boot (153)
    paulgonnabedebtfree (154)
    fedupandskint (155)
    hairyhandofdartmoor (156)
    rambling tree (157)
    ruby slipper (158)
    chandler89 (159)
    stan73 (160)
    talisker78 (161)
    willow41 (162)
    cheesedoffwithdebt (163)
    bahamas (164)
    TEK (165)
    rco1 (166)
    louis and ck (167)
    my mess (168)
    out_of_the_dark (169)
    telboy99 (170)
    worried of surrey (171)
    parsniphead (172)
    mb73 (173)
    sarahb7538 (174)
    Positive and focussed (175)
    sarahneedle1872 (176)
    gpuk (177)
    raquela (178)
    sillysarah (179)
    jasperconran (180)
    jojob (181)
    muddlemess(182)
    cheesed off with debt (183)
    mumof7 (184)
    spectacles (185)
    sallymander (186)
    bailey59 (187)
    northstar68 (188)
    kazzabell29 (189)
    mumto2monkeys (190)
    Mssparkle (191)
    Impetus (192)
    Susie54 (193)
    pwally2 (194)
    sunnydais (195)
    chris81418(196)
    Speedys (197)
    chops22 (198)
    cb_999 (199)
    kittyboo (200)
    mansun (201)
    calmerwater (202)
    tlc123 (203)
    firestronaut (204)
    finnigan (205)
    AJLondon (206)
    welshangel (207)
    niccatw (208)
    dentonemma (209)
    triggles (210)
    stickystar (211)
    pure dead dopey (212)
    kianfan1712 (213)
    mozzyc (214)
    snowdonlily (215)
    moody blues (216)
    scotmumof3 (217)
    ald65 (218)
    woowoo (219)
    scoobilicious (220)
    steerpiker (221)
    Teetersonheels (222)
    mrsmcr (223)
    Mrs_Tradition (224)
    moremoneythansense (225)
    maxandmatty (226)
    babyplum (227)
    NellyMO20 (228)
    Hayley5 (229)
    Gleen (230)
    jwil (231)
    Frugalchic (232)
    beasygirl (233)
    climinthelatteroutadebt (234)
    ESO1967 (235)
    MayytB (236)
    stevieb1 (237)
    Angyles (238)
    Soma (239)
    zippy (240)
    missworks2jobs (241)
    ~moneysavingnovice~ (242)
    csarina (243)
    debtfreemission(244)
    sunfleur (245)
    clareb2010 (246)
    saltnvinegar (247)
    yay-me (248)
    annibee (249)
    SadieM (250)
    EB69 (251)
    kazzieblackhead (252)
    littlemissb (253)
    !!!!!!!!!!2010 (254)
    poohbear59 (255)
    twinmum07 (256)
    twindad07 (257)
    psychopathbabble (258)
    jasperconran (259)
    Robert Robinson (260)
    taking control (261)
    craftysarah (262)
    Jem6240 (263)
    makemedebtfreeplease (264)
    sickasachip13 (265)
    kashton (266)
    suze72 (267)
    scottygees(268)
    cloudcuckooland (269)
    Karb (270)
    howdiditgetto88 (271)
    suze wong (272)
    elfen (273)
    hovel lady (274)
    olive trees (275)
    tizercat (276)
    kdenty (277)
    sarah75 (278)
    andrar (279)
    Igamogam (280)
    Quarter of a century (281)
    Here for a while (282)
    Ceecee31 (283)
    Lady driver (284)
    Olivia 84 (285)
    Allypops (286)
    Itsadogslife (287)
    nomorespending (288)
    standingtall (289)
    recurrent-ostrich (290)
    louise3965 (291)
    mushy pea (292)
    wannabefree1 (293)
    duckie (294)
    Jullie2011 (295)
    Jenjen (296)
    Antonic (297)
    MsDaisy (298)
    Cranny44 (299)
    Backpaker21 (300)
    blushing rose (301)
    tintingirl (302)
    spagbol (303)
    Misslr (304)
    abundant1972 (305)
    piquant (306)
    babybear 8 (307)
    blushingrose (308)
    flumpkin (309)
    katy721 (310)
    sisterfromanothermista (311)
    wants.to.be.debt.free (312)
    squidgychesspiece (313)
    Aamberle (314)
    Loubelle83 (315)
    lynnsey (316)
    gazza1964 (317)
    claypath (318)
    Jennypennysaver (319)
    leictina (320)
    vics199 (321)
    grant1wish (322)
    chrisblue1962 (323)
    asc6429 (324)
    chopinonabudget (325)
    savvykaz (326)
    twoboysmama79 (327)
    hummingbird (328)
    moomin master (329)
    andygg (330)
    boobiebonboo (331)
    DanielleNic87 (332)
    Tiglath (333)
    Mummy Rivett (334)
    Bubbles 567 (335)
    Littleskintdragon (336)
    GrandBenders (337)


    If you haven’t already, join the forum to reply!

    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by Former MSE Zorica; 15-12-2015 at 6:01 PM. Reason: Adding people!
    Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.

Page 252
    • Happytogetdebtfree
    • By Happytogetdebtfree 11th Jan 16, 4:03 PM
    • 6,780 Posts
    • 15,511 Thanks
    Happytogetdebtfree
    Onwards and downwards Sarah that's all that matters :-)
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAKMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
    • Pinkwhisk
    • By Pinkwhisk 20th Jan 16, 2:41 PM
    • 169 Posts
    • 435 Thanks
    Pinkwhisk
    So our iva is finally sorted. Not sure how I feel about it. Very scared and daunted.
    • lucielle
    • By lucielle 2nd Jan 17, 8:13 PM
    • 7,902 Posts
    • 33,826 Thanks
    lucielle
    Thought I'd bump this up to help the people who are in it for the long haul
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • Happytogetdebtfree
    • By Happytogetdebtfree 24th Jan 17, 12:58 AM
    • 6,780 Posts
    • 15,511 Thanks
    Happytogetdebtfree
    I'm still here in the long haul haha! I need to recalculate my signature at some point but either way it's going downwards and that's what matters ��
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAKMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
    • lazer-zxr
    • By lazer-zxr 24th Jan 17, 9:49 AM
    • 379 Posts
    • 440 Thanks
    lazer-zxr
    I'm in for the long haul, and don't think I have a number. Can I have one please.

    Coming up to 2 years since lightbulb moment.
    Debtfree challenge done. £59353 repaid.
    • lucielle
    • By lucielle 26th Jan 17, 7:43 PM
    • 7,902 Posts
    • 33,826 Thanks
    lucielle
    Hi Lazer I'm not sure who gives out the numbers but if you want to post in here we'll support you along the way.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • Poor_Single_lady
    • By Poor_Single_lady 26th Jan 17, 10:06 PM
    • 844 Posts
    • 2,989 Thanks
    Poor_Single_lady
    I think I am probably a long hauler too.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
    • sourcrates
    • By sourcrates 26th Jan 17, 10:54 PM
    • 10,921 Posts
    • 10,577 Thanks
    sourcrates
    So our iva is finally sorted. Not sure how I feel about it. Very scared and daunted.
    Originally posted by Pinkwhisk
    You should really be pleased, you now have legal protection from your creditors for the duration of your arrangement.

    It's not that bad in IVA land, as long as you have budgeted correctly, all should be fine.

    Congratulations, apart from your yearly review, you won't know your in one.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • sourcrates
    • By sourcrates 26th Jan 17, 10:59 PM
    • 10,921 Posts
    • 10,577 Thanks
    sourcrates
    Just looking back through this thread, the original poster hasn't been online since 2013, and it's only had a handful of posts in the last 12months.

    So I'm unsure if this is still an active thread or not.
    I'm a Board Guide on the Debt-Free Wannabe, Credit File And Ratings, and
    Bankruptcy And Living With It, boards. I'm a volunteer to help the boards run smoothly, and I can move and merge posts there.
    Board guides are not moderators and don't read every post. If you spot an abusive or illegal post then please report it to forumteam@moneysavingexpert.com. Any views are mine and not the official line of MoneySavingExpert.com.

    For free debt advice, contact either : Stepchange, National Debtline, or, CAB.
    For Legal advice see : http://legalbeagles.info/
    • lucielle
    • By lucielle 27th Jan 17, 10:47 PM
    • 7,902 Posts
    • 33,826 Thanks
    lucielle
    Hi Sourcrates, if you feel its best to close the thread maybe it's time.
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • lazer-zxr
    • By lazer-zxr 17th Apr 17, 10:35 PM
    • 379 Posts
    • 440 Thanks
    lazer-zxr
    Just wanting to vent here a moment. At times this journey has been so tough going. Boring. Lack of motivation. Feeling of not getting anywhere. The light at the end of the tunnel seemed so far away. The sporadic enthusiasm gone.
    No more so than in the very middle of the debt free journey ...... and my fellow forumites advised to get my head down and get on with it. It worked. The enthusiasm eventually returned. But now..... probably 2 months away from the finishing line ...... I'm running on the fumes of enthusiasm ...... so near ..... yet so fed up with it...... and impatient. ......


    ....... anyway ....... venting over.



    Oh .... and I like this thread, or the role it tried to play. Solidarity of long haul dfwb forumites. Getting stuck into our own journeys but knowing we're not alone, with a little mutual encouragement.
    Last edited by lazer-zxr; 17-04-2017 at 10:38 PM.
    Debtfree challenge done. £59353 repaid.
    • parsniphead
    • By parsniphead 17th Apr 17, 11:15 PM
    • 1,889 Posts
    • 12,309 Thanks
    parsniphead
    Debt is so exhausting and draining isn't it. You are so close now Lazer, you can do this.

    Vent as much as your like if it helps you along.

    I hope the next couple of months fly by for you.
    Pay off debt by Christmas 2017 #22 - £1012.22/£7148.39 14%
    June Grocery Challenge £0/£180
    I have already lost touch with a couple of people I used to be. Joan Didion
    • lucielle
    • By lucielle 18th Apr 17, 8:36 PM
    • 7,902 Posts
    • 33,826 Thanks
    lucielle
    See that bright light blinding you? The end is in sight! Come on you can do it!
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • lazer-zxr
    • By lazer-zxr 25th Apr 17, 1:05 PM
    • 379 Posts
    • 440 Thanks
    lazer-zxr
    £57828 of £59353 repaid
    £57828 of £59353 repaid
    £57828 of £59353 repaid
    £57828 of £59353 repaid
    Yes Yes Yes.

    £1524 to go


    Sorry if this looks like spamming, but I genuinely cant believe this.
    Debtfree challenge done. £59353 repaid.
    • lucielle
    • By lucielle 26th Apr 17, 9:40 PM
    • 7,902 Posts
    • 33,826 Thanks
    lucielle
    So very close now!
    L
    Total Debt Dec 07 £59875.83 Overdrafts £2900, Dec 08 £39782.36 Overdrafts £3100, Dec 09 £29304.84 Overdrafts £2820, Dec 10 £16449 Overdrafts £2490
    Dec 11 £12673.80 Overdrafts £1250, Dec 12 £4591 Overdrafts £400 02/02/13 new debt figure £5831.00 New Debt Figure ZERO !!!!!! 08/06/2013

    DFD Before we Die!!!! Long Haul Supporter #124
    • Bigskies
    • By Bigskies 4th May 17, 8:53 PM
    • 52 Posts
    • 224 Thanks
    Bigskies
    £57828 of £59353 repaid
    £57828 of £59353 repaid
    £57828 of £59353 repaid
    £57828 of £59353 repaid
    Yes Yes Yes.

    £1524 to go


    Sorry if this looks like spamming, but I genuinely cant believe this.
    Originally posted by lazer-zxr
    That's amazing! We are just starting the same journey with pretty much the same debt......how did you do it?
    April 2017 £63,500 May 2017 62235.52
    Priority #1 Next Account £2300 £2267
    Percentage of total debt paid 1.99% paid
    NSD May 3/6 Make £10/day May £697/310 £2 Savers Club #38 (for Xmas 2017)
    PAYDBX 2017 £0
    • Happytogetdebtfree
    • By Happytogetdebtfree 18th May 17, 2:46 PM
    • 6,780 Posts
    • 15,511 Thanks
    Happytogetdebtfree
    Hi Lazer, that's amazing , I feel like I am battling on. We have to take a hit on the house which leaves us in negative equity and so we have to look at ways to pay that off... That means I could be another 6 year at this game. Its very demoralising but that's the thing with long haul there are no quick fixes ... if only .. hope everyone is doing ok x
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAKMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

321Posts Today

2,329Users online

Martin's Twitter