Wish I'd found this site sooner

starkiller

Well done :j So glad I found this site when I did too. Can't wait to see your spreadsheet thingies. I am an anorak like that too, love it when I get my six monthly statement from bank showing income an outgoings in a graph...how sad

Ali-OK

A very useful post indeed!

Its always motivating to hear from people getting closer to and/or reaching their debt free status - it shows it can be done with the hard work you've obviously put in to get where you are. Well done! It's a great achievement.

It's 5 months since my lightbulb moment and as I'm settling into DFW ways, reading your post gives me an extra boost.

Thanks! (and welcome!)

Little_Miss_Winner

Hi and welcome Greypilgrim.

Wasn't a pointless post at all, we all love stories like yours!

How long has it taken you to get your debt down from 12K ? I know you say from the time you got married, just wondering how long/years?

regards
pot

keith_lard

Great Post!!!!!!!!!!!!!!!!!!!!!!

Thank You!!!!!!!!!!!!

keith_lard

DON'T QUIT!


When things go wrong as they sometimes will
When the road you're trudging seems all up hill
When the funds are low and the debts are high
And you want to smile, but you have to sigh
When care is pressing you down a bit
Rest, if you must, but don't you quit.

Life is queer, with its twists and turns
As everyone of us sometimes learns
And many a failure turns about
When he/she might have won had he/she stuck it out
Don't give up though the pace seems slow
You may succeed with another blow.

Success is failure turned inside out
The silver tint of the clouds of doubt
And you never can tell how close you are
It may be near when it seems so far
So stick to the fight when you're hardest hit
It's when things seem worst that you must not quit.

novice_money_saver_2

GreyPilgrim wrote:

...its my first post here and not sure of the 'house rules') I'm know there are people here in much worse situations....

HOUSE RULES:

1. A problem shared is a problem halved
2. We all have something new to learn
3. We love success stories
4. We send ((((hugs)))) to those that need them
5. No matter how newbie or long-established, everyone striving for debt-free status, everyone who has been able to achieve it, everyone who wants to help others achieve it (did I miss anyone out?) is welcome!

I made those up - but I think that covers the basics! Great to hear your story and please stay around after you become DF :T

oops_a_daisy

Greypilgrim you post is not pointless - it shows us that it can be done with a bit of planning and work. Well done on your achievements :T

southernscouser

Rub our faces in it why not! :mad:

I'm only kidding mate!

Well done to you and your wife. It's always great to hear success stories, it keeps us with a distance to go motivated when times get tough. :beer:

GreyPilgrim

potogold wrote:

How long has it taken you to get your debt down from 12K ? I know you say from the time you got married, just wondering how long/years?

hey pot.

Well although I've made it sounds like I'm some sort of martyr, I'm not. It HAS been hit and miss - months of savings ruined by a "screw this, I'm going to spend" - if you have a look at:

http://www.flamingmango.com/debts/debt.gif

you'll see it was at £7.600 in November 2004, then went down, then went up
Got married in 2001, and it was about £10,000 then (from memory). had lived with the missus for just over a year before that (when I also had my student loan to pay off), so I reckon it would have actually been closer to the £13,000 mark in 2000.

Stupid thing about the student loan was I tried to 'evade' them, so accrued a lot of bank charges and solicitors fees, then had to pay it off in a hurry. Had to throw almost everything I earend at them for six months and leeched of my girlfriend for which I am eternally grateful to her for. They caught me just as I moved in with my girlfriend (now wife) and I didn't want to associate her house with 'bad' debt. She had her own of course, but she had never defaulted on them.

linniestorm

Welcome!! Glad to hear of your success! One thing about your last post, you mention bank charges on here and everyone's ears !!!!!! up!

See this thread if you hadn't already noticed it, may be worth looking into claiming them back!
http://forums.moneysavingexpert.com/showthread.html?t=158155

or the consumer action group, not sure of the link but someone will have it!