Frrreeeeddddoooommmmm!!!!!!

drewdrop
drewdrop Posts: 90 Forumite
edited 7 June 2010 at 3:32PM in Debt-free wannabe
:ji HAVE JUST PAID THE LAST OF MY DEBTS:beer:
My lbm was 2 years ago after 10 years of consolidating loans then using the credit cards again I finally had a £23000 loan (inc interest) with 3 years to run and £14000 on cards and a £2750 O/D that I never got in the black even on payday.

It has been hard and I am obsessive now at working out what everything would cost over a year ( demotivater rocks). Stopping smoking (£5000 pr year :eek:) and ebay have made the biggest difference, and internet asda shopping, (free delivery on >£100) and stops the impulse buys (do order after eating though lol ).

It can be done and this forum is amazing, good luck to all xxx
:j:beer::rotfl::T:T:rotfl::beer::j
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:jDEBT FREE 27th MAY 2010:j
Paid off - o/d £2750, loan £23000 (11 mts early), CC @ £14000
:A
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Comments

  • rainbowfairydust
    rainbowfairydust Posts: 16,389
    First Post Combo Breaker
    Forumite
    drewdrop wrote: »
    :ji HAVE JUST PAID THE LAST OF MY DEBTS:beer:
    My lbm was 2 years ago after 10 years of consolidating loans then using the credit cards again I finally had a £23000 loan (inc interest) with 3 years to run and £14000 on cards and a £2750 O/D that I never got in the black even on payday.

    It has been hard and I am obsessive now at working out what everything would cost over a year ( demotivater rocks). Stopping smoking (£5000 pr year :eek:) and ebay have made the biggest difference, and internet asda shopping, (free delivery on >£100) and stops the impulse buys (do order after eating though lol ).

    It can be done and this forum is amzing, good luck to all xxx
    :j:beer::rotfl::T:T:rotfl::beer::j

    congratulations.... im really pleased for you :beer:
    Sleazy wrote: »
    I like RainbowFairyDust .....

    RFD for president .... Ra! Ra! Ra! :j

    Undergrad degree - completed 2018
    Masters degree - completed 2019
  • mummum2
    mummum2 Posts: 617
    First Anniversary Combo Breaker
    Forumite
    Wow, totally impressive.....so happy for you! Well done and enjoy your DF life.:j:beer::T:beer:
    Long Hauler No: 51
    DMP Mutal Support Thread No: 207
    Proud to be dealing with my debts
    DFD - June '13, aiming for December '12
  • Jazzie99
    Jazzie99 Posts: 289 Forumite
    Congratulations on being Debt Free!! :beer:

    Cant wait to join you !!
    Friend Debt: 5,000/3,850
    2013 Start Mortgage: 306,585/306,585
    Overpayments: 0
    ISA Saver:
    £10
  • drewdrop
    drewdrop Posts: 90 Forumite
    Lol, slight downside is that I have £250 to last till june payday lol but thats a small price to pay, thanks for messages and I hope I don't make the same mistakes again though, 2 years and 8 mts since my last fag and I still sodding want one !
    :jDEBT FREE 27th MAY 2010:j
    Paid off - o/d £2750, loan £23000 (11 mts early), CC @ £14000
    :A
  • Krisp_3
    Krisp_3 Posts: 234 Forumite
    That's fantastic news!!! Congratulations!!!
    :DAiming to be debt-free June 2011 at the latest!! :D
    :jPaid off £6,143 - Egg loan cleared 26 May 2010:j
    :p Save on lunches in June Challenger # 5 - £0 aim/£0 spent!! :p
    :) 8/15 NSDs June 2010 :)
    "I wish dear Karl could have spent more time acquiring capital than merely writing about it." - Jenny Marx
  • that's so awesome well done.
  • pixiechick_2
    pixiechick_2 Posts: 983 Forumite
    :j:j:j That's a fantastic achievement - well done!!! :j:j:j
  • congrats drewdrop!!! How William Wallace-esque "They can take our lives, but they will never take our Frrreeeeddddoooommmmm!!!!!!"
    DF as at 30/12/16
    Womblng 2020:
    NSD Jan 2/18 YTD: 2
  • Ceniza
    Ceniza Posts: 761 Forumite
    Excellent work - well done! I cannot wait until I can say this about my finances :)
    Adam's diary - My Debt Diary - The Challenge | LBM May 2010 with £23,343.35 | £16,141.46 to go...
    Cleared: £7,369.16 / 30.85% | Current DFD: Oct2012 from Jan2014 | July repaid: £600/£800

    Goals: Aug-11 37% | Nov-11 60% | Feb-11 67% | May-12 76% | Aug-12 86% | Dec-12 debt free
  • Well done this amazing :D
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAK:pMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 08£77240.69 Current outstanding total £36083.01 Paid so far = £41157.68
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