We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

8.23AM - I've made it!!

At 8.23am this morning I rang the 0870 number (no alternative on saynoto0870.com site) of the last company I owed money (on 0% deal, of course!) and paid off the entire balance.
I'm now officially debt free!!!!!!:beer: :beer: :j :j :j :beer:

There are no loans, no HP, no credit card balances, no overdraft and no £100 here or there to anyone. And it feels bloody fantastic. Oh yes!

(Ok, I still have the mortgage, but I'm not counting that - although I'm hot-footing it over to the mortgage-free board next to start on demolishing it.)

A massive thank you to MSE'ers everywhere......the tips, advice and support have been brilliant. I may have become a skinflint, virtual hermit in my quest, but it's been well worth the sacrifices as now I can do what I like with my money without worrying. I've even opened an ISA. My debt pile was nothing in comparison to some tales I've read on here, but I just want to say to everyone who'se struggling that have faith, use the advice & support and you WILL get there. Maybe slowly, but you will!

I'm off for a well-deserved freshly brewed morning coffee - bought on a BOGOF with reward vouchers!:D :D:D:D

:money: ROCKS!
«134

Comments

  • ivoryfrog
    ivoryfrog Posts: 24 Forumite
    Part of the Furniture Combo Breaker
    congratulations!!!

    :beer::j:beer::j:beer:


  • Murtle
    Murtle Posts: 4,154 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Well done, what a wonderful feeling to end the week like that!! Hope you celebrate MSE style of course this weekend, and remember not to go down that line again!!Good luck
  • elantan
    elantan Posts: 21,022 Forumite
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    wow this is fantastic news i was just reading the thread from the guy who was stabbed by a hypo and feeling so heart renchingly sorry for him and his family ..but still not confident that any advice i could give would be beneficial...so feeling kinda rotten ..and you've just cheered me up no end ..congrats and have a celebratory drink m.s.e style this weekend...
  • bluezone
    bluezone Posts: 772 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    FANTASTIC NEWS HUN

    DRINKS ARE ON YOU THEN :rotfl:
    😁
  • Well Done!!!
    LBM: Nov 2004 Debt Apr06: £19,273.46 (Highest)
    Debt 2006: Jul:£18,552.06|Aug:£17,615.14|Sep:£16,297.98|Oct:£15,961|Nov:£15,760.66|Dec:£13,204.37
    Debt 2007: Jan:£13,183.71|Feb:£13,851.03|Mar:£13,349.15|April:£12,997.33 | May: £12,300.00 | June: £12,000 | July: £9,894.44 |Aug:£0
    Debt Free Date: 31 August 2007
    The £2 Coin Savers Club = £72
    Reclaiming my bank charges - £105 reclaimed
    My Diary: http://forums.moneysavingexpert.com/showthread.html?t=230561
  • nellis10
    nellis10 Posts: 1,350 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    WOOHOOOOOOO!!!!!!!!!

    WAY TO GO YOU!!!!

    CONGRATULATIONS!!!

    FIRST ROUND IS NOW ON YOU!!!

    Seriously...fantastic news....great motivation for the rest of us to get through to our DFD!!!

    Well Done!!
    2024 Challenges
    • Grocery Budget (January £0/£300)
    • Decluttering (Underway!)
    • Frugal Living (January £0/£500
    • 24 in 2024 (0/24)
  • linniestorm
    linniestorm Posts: 347 Forumite
    Part of the Furniture 100 Posts Combo Breaker Debt-free and Proud!
    Many congratulations!!! Did you start in Dec 2004 then, that's brilliant to get rid of £13K in that time! Enjoy debt free-ness! :D
    1st LBM (Pre-Career Change): 01 March 2006 Debt Free Date: 28 April 2008 | Worst Debt: £7244.36

    2nd LBM: 10 December 2019 Current Debt £25,322 [April 2020] | Worst Debt: £27,444
  • Wow, I can't wait to be in your position...............WELL DONE!!!!!!!
    I believe that I have the strength to make my dreams come true
    :T September Challenge £5 per day - £0/£150 :T
  • comping_cat
    comping_cat Posts: 24,006 Forumite
    Part of the Furniture Combo Breaker Mortgage-free Glee!
    WELL DONE!!!!!
    Enjoy your coffee, i think you deserve it!!!!!
  • rkh001
    rkh001 Posts: 324 Forumite
    Well done!!!
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 258.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.