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woohooooo after 4 years of paying back credit cards i`ve finally got there

woohooooooooooooooooooooooooo:j :j :j :j 4 years yes 4 yearssssssssss of paying off my credit cards and ive finally done it today! my balance is £0.00 on all 5 credit cards :D :beer: i never thought i would make it but with steely determination and will power i have overpaid by as much as i could each month. my debt was about 6k when i had my lightbulb moment and i banned myself from ever using a card again, cash or i didnt have it! from next month i have an extra £200 a month to play with in my bank account, this is going to be sheer luxury for me as i usually never have more than about 50p left :o
this has certainly been a sharp learning curve for me, these 4 years has had its trials and tribulations and i`ve certainly learnt my lesson well and i`m never going to be burned again never ever ever!:j from now on i intend to use my extra £200 a month wisely and carry on with my mse ways. on the bright side maybe this was a good lesson to learn so young(ish?) in life as i can move onwards and upwards from this but i can always look back on days gone by when things looked bleak and creditors were banging on the door and harrassing me with phone calls, this will stick with me forever as a lasting reminder of how stupid i once was with money!:o
stick at it you guys it can be done because if i can do it anyone can!!:T
proper prior planning prevents !!!!!! poor performance! :p
Only when the last tree has died and the last river been poisoned and the last fish been caught will we realise we cannot eat money
quote from an american indian.
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Comments

  • Well Done! I'm doing the same as you, I mean I only owe £1250 but I'm carrying on and reading your message has kinda made me feel better as people do get to the end.
  • Woooooooooo hooooooooo!!!!!1

    Well done you - always great to meet DFW who are now just DF!!!!!!!!!! :beer:
    Ex board guide. Signature now changed (if you know, you know).
  • Well done!!! You must feel great. Why don't you decide how to split your £200 extra a month giving yourself an amount for luxury each month.:T
  • Well done you :T

    feels mighty fine dont it!!!!!!


    Bams x.x
  • *C*O*N*G*R*A*T*U*L*A*T*I*O*N*S

    Well done you, what an inspiration! Get yourself a glass and something that you enjoy drinking.... give yourself a big toast - after all you deserve it!
  • angchris
    angchris Posts: 1,179 Forumite
    oh it feels fab, like a huge weight has been lifted! i used to wake up having nightmares about debt and about how i was going to make it till the end of the month, thank god its now all over and i can breath a heavy sigh of relief!
    proper prior planning prevents !!!!!! poor performance! :p
    Only when the last tree has died and the last river been poisoned and the last fish been caught will we realise we cannot eat money
    quote from an american indian.
  • Congratulations!! Enjoy that £200 a month, though i'm sure you will :D
  • Locana
    Locana Posts: 478 Forumite
    Congratulations!!!! One day I will be there!! Treat yourself then take yourself over to the savings board!!
  • angchris
    angchris Posts: 1,179 Forumite
    do ya know what! i think im gonna be really rash and splash out on a haircut :D i havent had any kind of treats at all in 4 years, i have just trimmed my hair myself thinking that money could be better spent on my debts. it really makes you wonder how sad my life is if i get excited over having a haircut!!:o maybe i can get back to some kind of normality now and just "do" what other people do instead of having to watch every single penny
    proper prior planning prevents !!!!!! poor performance! :p
    Only when the last tree has died and the last river been poisoned and the last fish been caught will we realise we cannot eat money
    quote from an american indian.
  • Congratulations - hold your head up high ~!!!!!!!!!!!!!!!!! :)
    Debt at highest £16k+
    Debt at lightbulb moment £14,800
    Current debt £6336
    Cleared £4206 in November 05 How ? Bye Bye PPI :)
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