A lurkers small celebration!
edited 21 July 2009 at 7:50PM in Debt-free wannabe
60 replies 12.6K views
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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:
Congratulations and well done on being debt-free :j
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
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 .....
Thanks ever so much Crabby