Whats your Biggest DFW Achievement of 2010

katsu

We've stayed out of debt - nearly our 1yr anniversary of being DF :j The last time I was in this situation I was a kid living at home!

We saved up the cash to buy DH a car, so we paid in cash in full, using money we were previously spending on debt repayments. We got a car we could afford rather than a dearer one with a loan.

We've got a savings account for big bills for next year which we've been saving into each month - to cover car tax etc. This means we get the benefit of the cheaper rates for paying in full. $

(I do technically have an interest free loan for a course I am doing. This way I can save the fees during the course and pay it off at the end If there was a problem I could clear the loan now, so I'm hoping I still count as DF )

misskaytee

Ive not been an active member for long, and im only just starting out on my debt free journey so haven't really achieved much as of yet, But i am now looking at ways to make more money to pay my debts off, I have been inspired to actually do something about my debt rather than just plod along wishing that i could win the lottery or something and they would just disappear!!

Ive been living at the bottom end of my overdraft now for almost a year, and its only really been the last month since taking part in the make £10 a day challenge that ive realised i can get out of my overdraft, and i plan to have the overdraft cleared by May 2011 (my B day) and then start working on clearing my personal loan.

So my biggest achievement would simple be realising that I CAN get myself out of debt and actually doing something about it!

annibee

misskaytee wrote: »

So my biggest achievement would simple be realising that I CAN get myself out of debt and actually doing something about it!

Thats a big and important acheivement if you ask me :T

beanielou

Clearing my Credit Cards
I am so much more money aware.

an9i77

This year I finally learned how to save, budget and not use my credit cards. Concentrated more on saving than paying off debts (although a bit of both), got £3000 in the bank now and paid £1.5k off the credit cards. Now if I genuinely need something I use the money from savings rather than the cc's

Gingerjar

I have got rid of my vile and expensive overdraft and switched my current account to a non-packaged. I have also bought my Xmas pressies with cash and made lots of them as well. Also broken my coffee shop habit.

Feeling really positive and love this site. It's been a lifeline.

Congratulations to everyone x

Purpleroses

Mine is getting debt free at long last and also saving enough amazon vouchers from surveys over the year to pay for all xmas gifts

kaz0705

Seems quite minor compared to most posters but simply having my LBM was my biggest achievement!

I caught myself in time that I could still afford to pay more than the minimum payments (not by much! But better than nothing!).

I need to sort out my current balances but i think I've paid off about £4k since February- pretty big for me considering every other year I'd probably have increased my debt by about 50% of that!

Onwards and *downwards* (borrowing-wise!) for 2011!

danothy

kaz0705 wrote: »

Seems quite minor compared to most posters but simply having my LBM was my biggest achievement!

The light bulb moment is a singular moment, it's in no way minor ...

Shoe_Gal

danothy wrote: »

The light bulb moment is a singular moment, it's in no way minor ...

Exactly, everything else comes from that moment