The Debt Free Roll Of Honour

fermi

Congratulations.

beanielou

89 now
Keep going everyone

Nargleblast

Can we find another 11 by the end of the year to.make a round hundred?

Or are we on 90 now?

beanielou

Nargleblast wrote: »

Can we find another 11 by the end of the year to.make a round hundred?

Or are we on 90 now?

89 now I think Nargleblast.
Hope you are well.
Long time no see

Former_MSE_Andrea

Yes! We're on 89 now! Huge congrats Want_to_be_free!!!

Nargleblast

11 more before end of year - 49 days - one every four days?

Rumour has it Growurown will be debt free later this month.

Beanielou - hello you! I am ok, had my appendix out a couple of days ago so sore and bruised at present but, as you say, plodding on.....hope life treating you well!

haribocrazy

I became debt free about a year ago.

At the highest we owed about £56000 on cards, loans etc and £60000 on the mortgage. We fell in debt when our daughter became ill when she was 9. She is 30 now.

It all became too much when she was very sick and in hospital. We thought she was going to die. We told all of the creditors that we had this to deal with and not a single one was kind. Individual people we spoke to could be understanding, but none were helpful. I don't think they believed us.

Anyway--Altogether we owed about £116000 and we now are mortgage and debt free. It took about 10 years of hard work but we have got there!

My pearl of wisdom---NEVER TALK TO THE DEBT COMPANIES!!! keep t all in writing and only tell them what you have to. We once told our mortgage company that we would have trouble paying the mortgage for a few months and that was just giving them advanced warning.

If I am allowed a second pearl it is ---keep reading mse. The advice and help is amazing and I wish I had found it in my worst days.
Thanks for all the help.

Ellieseleven

Fantastic achievement Haribocrazy. Well done!

jcb208

Been debt free now for several years,stayed in the same house I bought when I was 25,mortgage paid off at 40 and now no need for credit .Looking forward to retiring at 55 in 2 years time

terri72

I've been debt free for almost a year and thought it was time that I stopped being a DFW.

1. The date of your lightbulb moment: September 2008
   
2. Debts at their highest: £27,681
   
3. Debt-Free Date: November 2014
   
4. Your one perl of wisdom: As soon as you have that skinning feeling, pick up the phone and talk to a free debt adviser be it someone at Citizens Advice, Step Change (formally CCCS), PayPlan etc. Your debt can be managed and there is a light at the end of that dark tunnel. I wish that I had taken this advise and maybe, my debts wouldn't have got as big and would have been dealt with sooner.
   
5. Links to the MSE guides that helped you: Debt help plan?
   
6. Which forum threads helped you: The Debt-Free Wannabe Board, The Debt-free Wannabe Challenges Board especially the Sealed Pot Challenge as the money used from this brought my husbands Christmas & birthday presents. The Going Out Deals Board to enable me to still have some fun and watch the pennies at the same time.

Thank you MSE and forum users for the advice and support you give. :T :T :T