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  • jinky67
    jinky67 Posts: 47,812 Forumite
    savvy wrote: »
    Thanks beanielou ;)


    I know :o I just couldn't bring myself to post about my debt when others where in a far worse state than me.............felt like I was rubbing their nose in it for some reason, especially when I got such a big boost from godders, not everyone gets that's great opportunity when they need it icon9.gif


    Ha ha, that's all I do these days, not that I get drunk much now :D

    But everyone debt is relative to them, you obviously struggled to clear yours as much as others have:cool:

    just as well really given some of the nonsense you have posted in there:rotfl::rotfl::rotfl:
    :heartpulsOnce a Flylady, always a Flylady:heartpuls
  • nearlyrich
    nearlyrich Posts: 13,698 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Hung up my suit!
    Well done Savvy I must have missed this thread, I hope you have posted on the roll of honour.
    Free impartial debt advice from: National Debtline or Stepchange[/CENTER]
  • savvy
    savvy Posts: 31,128 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    jinky67 wrote: »
    just as well really given some of the nonsense you have posted in there:rotfl::rotfl::rotfl:
    Oi that's my speciality I'll have you know!!! :p
    Honorary Northern Bird bestowed by Anselm
    I'm a Board Guide and volunteer to help get your forum questions answered and keep the forum running smoothly on Special Occasions, Green/Ethical, Motoring/Overseas/UK Travel & Flood boards, it's not part of my role to deal with reportable posts. Report inappropriate or illegal posts to forumteam@moneysavingexpert.com. Views are MINE & not official MSE ones ;)
  • savvy
    savvy Posts: 31,128 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    nearlyrich wrote: »
    Well done Savvy I must have missed this thread, I hope you have posted on the roll of honour.
    I certainly have..................good job Numpty pointed me to it, I'd never have found it otherwise! :o
    Honorary Northern Bird bestowed by Anselm
    I'm a Board Guide and volunteer to help get your forum questions answered and keep the forum running smoothly on Special Occasions, Green/Ethical, Motoring/Overseas/UK Travel & Flood boards, it's not part of my role to deal with reportable posts. Report inappropriate or illegal posts to forumteam@moneysavingexpert.com. Views are MINE & not official MSE ones ;)
  • Crabman
    Crabman Posts: 9,942 Forumite
    Part of the Furniture 1,000 Posts Photogenic Combo Breaker
    You're in the email, you're famous!! :rotfl:

    Congratulations and well done on being debt-free :j
  • r.mac_2
    r.mac_2 Posts: 4,746 Forumite
    Congratulations savvy - what an amazing acheivement :D
    aless02 wrote: »
    r.mac, you are so wise and wonderful, that post was lovely and so insightful!
    I can't promise that all my replies will illicit this response :p
  • Kerilinann
    Kerilinann Posts: 436 Forumite
    Part of the Furniture 100 Posts Name Dropper
    Well done :D!! x
  • BigMikeyG
    BigMikeyG Posts: 85 Forumite
    Congrats enjoy your new found freedom (on the cheap of course!) :-)
    Date I decided to clear my debt: 03/12/08
    Debt started with: Loan - 2195, Credit Card - 1738, Interest free overdraft -500 = TOTAL - 4433
    Current Debt: Loan - 0, Credit Card 1 - 1346, Credit Card 2 - 906 Interest free overdraft -0 = TOTAL - 2252
  • Well done Savvy. I found myself in £28k of debt in March 2007 after my partner of 7 years left me. Stupidly I had taken out loans for him in my name and gotten into a muddle with credit cards which I used when he was out of work to pay for every day living (quite frequently!). Very, very silly of me, but as my name was on the contracts etc I was liable.

    As the debt was more than what I earned I did a self-assessment, contacted all my creditors, explained the situation and got all interest suspended whilst I entered into a special arrangement, paying what I could afford to.

    I have paid off £7k in 2 1/2 years, and I will finally be debt free in July 2020!!! However that is if I carry on at my current rate, though hopefully if I manage to get a better paid job I will be able to increase my payments.

    MSE has been a godsend, as it means I can still enjoy eating out (occasionally, and ALWAYS on a deal). Its also taken away the stigma of hunting down and using the best deals.

    Being in debt is so soul-destroying, but seeing that I had paid £7k already has made me more determined. I only wish I had this mindset BEFORE I had gotten into debt, and it could have been £7k of savings in the bank .....
  • savvy
    savvy Posts: 31,128 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Crabman wrote: »
    You're in the email, you're famous!! :rotfl:

    Congratulations and well done on being debt-free :j
    LOL again :o It's flattering and embarrassing all rolled into one :o Thanks to whoever did that............I think I have sneeky idea who it was icon7.gif

    Thanks ever so much Crabby ;)
    Honorary Northern Bird bestowed by Anselm
    I'm a Board Guide and volunteer to help get your forum questions answered and keep the forum running smoothly on Special Occasions, Green/Ethical, Motoring/Overseas/UK Travel & Flood boards, it's not part of my role to deal with reportable posts. Report inappropriate or illegal posts to forumteam@moneysavingexpert.com. Views are MINE & not official MSE ones ;)
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