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Hurrah!!!

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Hi chaps

I've just celebrated my 32nd birthday and have, until today, been in debt since the age of 18.

I peaked at £18k (over 6 credit cards) when I was about 21. I've had bailiffs at my door on more occasions to recall. Credit was easy to come by (I was once given a credit card with a £4k limit despite having a CCJ against my name) and I am of a generation where we spend today, pay tomorrow.

Now I've paid every penny back to those I owe and am proud of this. Using this website plus a few others has made this possible.

I'm not a big earner, having always worked low-status jobs (bar-work, waiting, factory work) but have supplemented my income using tips from this site (Gap_Buster, OC-Pulse mystery shopping, Quidco for purchases, planning and budgeting, vouchers, dietary advice and advice from individuals) and now find myself debt-free.

To those of you struggling - lots of help is available, nothing is ever as bad as it first seems, don't bury your head in the sand and take action.

Thanks chaps - your help over the years has provided my with great support and resources. Very likely I will be struck by a bus this afternoon (driven by the Barclay brothers I suspect).
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Comments

  • MrsKin
    MrsKin Posts: 7 Forumite
    :beer: Congratulations!! Keep away from buses!!
  • spadoosh
    spadoosh Posts: 8,732 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    well done, jealous!:P
  • spadoosh
    spadoosh Posts: 8,732 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper Photogenic
    o n happy birthday!
  • Hi Lg congratulations on becoming debtfree, what a fantastic achievement.
    Happy birthday.
    Good luck for the future.
    Best wishes
    ally xx
    Official DMP Mutual Support Club Member No 30
  • andymc29
    andymc29 Posts: 462 Forumite
    Well done mate!!!!

    I too have been in debt since being 18, am hopign to be debt free shortly after my 31st birthday. Can't remember what being debt free feels like.

    Well done again. :T
    Bank Loans: [STRIKE]£25000[/STRIKE] £0- Barclay Card 14%: [STRIKE]£2500[/STRIKE] £0- Student Loan: [STRIKE]£12,500[/STRIKE] £0
    Current total [STRIKE]£40,000[/STRIKE] £0:j (100% PAID OFF)
  • AnnieG
    AnnieG Posts: 877 Forumite
    Part of the Furniture 500 Posts Name Dropper
    Well done... it must feel fantastic!! I'm aiming to be debt free by my 40th birthday.
    Congratulations!
    Say what you mean.. mean what you say... without being mean.
  • Mikeone
    Mikeone Posts: 184 Forumite
    Part of the Furniture Combo Breaker Debt-free and Proud!
    Nice one mate, really pleased for you.

    My story is similar to yours -first taste of credit at 18, racked up debts of >20k etc and I have a target DFD of my 32nd birthday too (18ish months to go!)

    Enjoy your debt free life!


    :beer:
    I'm a...I'm a real traditionalist of course
  • lestergun
    lestergun Posts: 119 Forumite
    Thanks chaps - feeling a little teary.

    Lester
  • mummum2
    mummum2 Posts: 617 Forumite
    Part of the Furniture Combo Breaker
    Well done Lester..... so happy for you! :beer: Many, many happy returns, have a great DF life!:j:j:T:T:T:T:beer:

    MM2
    Long Hauler No: 51
    DMP Mutal Support Thread No: 207
    Proud to be dealing with my debts
    DFD - June '13, aiming for December '12
  • PNPSUKNET
    PNPSUKNET Posts: 4,265 Forumite
    Well done, glad to here someone takes responsability for their debts
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