The Debt Free Roll Of Honour

tripled

The date of your lightbulb moment: December 2012
Debts at their highest: £8010.07
Debt-Free Date: 15th February 2015
Your one perl of wisdom: Set manageable targets and revise them regularly. I used a spreadsheet to keep track of progress against mine.

Cynical_Monkey

Last part of every debt I had was finally paid last night.

Lightbulb Moment - April 2010
Debts at their highest - £68244
Debt-Free Date - 20/08/2015

WISDOM:
Never give up.
Never lose sight of the target.
Prioritise NEEDS over WANTS.
Forget pride and be honest about your problems.

£68,000 to £0 in 5 years with nothing other than hard work.

I'm not sure how I'll cope now as moving money, cutting back, paying as little as 28p to a CC and so on has become a way of life - Not having debt is going to leave me with a hell of a lot of free time and worry free evenings drinking wine

We have 4 kids and we are finally in the position where my OH can be a stay at home mum instead of us both working in excess of 60 hours a week.

Feels good. Feels really really good.

From next month, I'll be working 9-5 Monday to Friday with no exceptions.

Former_MSE_Andrea

Huge congratulations Cynical Monkey!

hydrangea_2

Lightbulb moment: October 2012

Debts at highest: £23000 - student loans, credit card, personal loans.

Debt-Free Date: around January this year. I've been meaning to post!

Pearl of wisdom: Keep at it! Keep reading these forums. I haven't posted much, but I have lurked pretty much every day and the support here is incredible. Downsizing by one e.g. next brand down is a great tip. So is switching to monthly council tax payments. I used the snowball method and it really worked for me - especially being able to see a clear end date in mind. And now I'm here - yay!

cakeforbrains

Lightbulb Moment: November 2013

Debts at Highest: £60k

Debt Free Date: July 2015 (early due to gift).

Pearl of wisdom: Not sure I qualify to give advice, since a lot of our debt was paid off through the receipt of a gift/inheritance. However, knowing everything is important. Know your debts, no the interest rates, your outgoings, your spending. Keep your eye on the ball!

sourcrates

cakeforbrains wrote: »

Lightbulb Moment: November 2013

Debts at Highest: £60k

Debt Free Date: July 2015 (early due to gift).

Pearl of wisdom: Not sure I qualify to give advice, since a lot of our debt was paid off through the receipt of a gift/inheritance. However, knowing everything is important. Know your debts, no the interest rates, your outgoings, your spending. Keep your eye on the ball!

Well you deserve a pat on the back, if only for the excellent username lol !!!!!!!

gree0115

Lightbulb Moment: December 2008

Debts at Highest: £75k

Debt Free Date: September 2015.

Pearl of wisdom: Live within your means. I got myself over committed on credit, purely my own fault. I've been on a DMP with Stepchange, coming up to my final payment on the 1st September 2015, hurrah!

lemanie

I am a Debt-Free Wannabee who is no longer a Wannabee.

a. The date of your lightbulb moment - November 2013 despite being a forumite since 2005 :embarasse
b. Debts at their highest £28K+ but when we officially set the goal and got to work it was £23,929 on 01/01/14
c. Debt-Free Date 25/08/15 - I sent the payment today but it takes a day to clear.
d. Your one perl of wisdom. Keep chipping away at it, you can do it!
e. Links to the MSE guides that helped you The Budget Planner
f. Which forum threads helped you Old Style MoneySaving esp the flyladies

Ellieseleven

Fantastic achievements everyone...enjoy your debt-free lives:beer:

Ellie x

boot13t

DMP April 2009, 46K, Ends September 2015.........