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Great Day!! Now Debt Free!!

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Comments

  • In_Search_Of_Me
    In_Search_Of_Me Posts: 10,634 Forumite
    well done you! Must feel great? Whathave you learned/changed along the way?
    Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.

  • Tiff_2
    Tiff_2 Posts: 3,046 Forumite
    Congratulations angel!!! :):):)
    Now you've cleared your debts, you'll be able to afford some peace of mind & that's priceless.
    Best Love
    Tiff
    "If you realized how powerful your thoughts are, you would never think a negative thought." ~ by Peace Pilgrim.
    ***
    'You just got Tiffed!' ;)
    ***
  • well done you! Must feel great? Whathave you learned/changed along the way?

    Hi, thanks to all for your best wishes-it does feel really good to wake up that first morning after paying everything off! Who cares if its raining!!

    I have learnt so many things from Martin's book :money: and this site, with all you on it. When you start trying to cut things down you think, £2 here, £5 there will not make that much difference, so i made a spreadsheet and wrote everything down...and it was amazing to see the numbers gradually change in front of you..that was incentive enough! It became very addictive. I had already saved money when baby #2 arrived-reused b#1's vests,babygrows, cot, etc, have always used re-useable nappies and bought b#2 'new' clothes from Ebay (she was growing out of stuff every 3 months, why buy new??). We got rid of our SKY and got freeview instead, had already changed energy suppliers but the biggest thing was cutting down our food budget.That was where most of our money was going,even though i frozen every extra batch of food i could! It is lovely not to see 'Tesco' or 'Hall Farm Shop' on my bank statement, on every other line!
    Finally (sorry to go on!!), i have also learnt:
    1. Complain...it could get you extra pennies in compensation!
    2. Take away hubby's credit cards!
    3. Do not let hubby drive the car...that is where most of the money came from to pay back debts after getting paid out when he had an accident!

    Thanks EVERYONE!!!;) ;)
    Buy nothing for a month challenge - Oct
    12/31 NSD

    CC - [STRIKE]£536.02[/STRIKE] £336.02
  • corrig24
    corrig24 Posts: 156 Forumite
    :T Congratulations and well done.......happy days!!!:T
    £2 saving club = £86:j
    June £10 a day challenge = £0/£300 :rotfl:
    Match Betting = £191
  • dave318
    dave318 Posts: 81 Forumite
    Well done, and thank you for coming back on and thanking the people on here, and :money: .

    You could have continued to lurk, but you know how inspired people can be when they hear good news.

    Enjoy.:beer:
    Debt at worst: £33000
    Debt now: £0, (Ok, a £650 overdraft)
    £3000 Credit card (aiming to get this down with 0% card)
  • :T :T :T :T :T :T A SQUARE OF APPLAUSE :T :T :T :T :T

    FANTASTIC NEWS.........WELL DONE!!!!!!!!!!!!

    Dont disappear, keep popping on with advice and tips for others wont you :)
  • LookingAhead
    LookingAhead Posts: 4,633 Forumite
    Hey well done! Congrats and enjoy the Debt Free Feeling! (I can't wait...only another 4 years to go...!)
    Bank Balance: In the black for the moment.
    Sainsburys Loan: Cleared July 2010
    Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
  • ehallett
    ehallett Posts: 1,960 Forumite
    That's brilliant - well done :T :T :T :T

    Open up the bubbly tonight :beer: :D:D
  • tired_mum
    tired_mum Posts: 2,340 Forumite
    :T Well done you good luck for the future:j :T
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