The Debt Free Roll Of Honour

hiny

Hi regarding the tact that a charging order cant be made on joint property.i want to ask im divorced hv 3small kids. I hv asked court to force sale without ex permission as cant contact him and i cant affird mortgage.i hv a debt and charging irder going on 6april at court.
Does this mean if court allows sale i can sell and i dont hv to pay the charging order?but wont they still come after me?
And is restriction still on new buyers register?

NigeWick

Now the mortgage is paid off I have no debt at all and in fact am looking at investing to get some interest on my savings.

depressed_but_determined

36k in 7 years with stepchange. Last payment made yesterday!
I am now a convert to saving and taking responsibility and I can honestly say hand on heart that I will never take unsecured credit again. It nearly cost me my marriage and my sanity but I got there in the end.
Well done all dfw xxxx

medusasmummy

a. The date of your lightbulb moment September 2010
b. Debts at their highest £10500
c. Debt-Free Date 5th March 2016
d. Your one pearl of wisdom keep at it!!
our debt free date has been shunted back by 2 yrs as my husband has had lots of time off work due to back problems. No work means No money in our house! even though the goal post has been move many, many times we've stuck at it (even if it meant only overpaying by an extra £1 in tight months)

LionessInWinter

Congratulations everyone

Bobarella

So inspiring hearing everyone's stories. Well done all.

laura84gr

a.The date of your lightbulb moment
June 2014. Started a new job and got extra payment from outstanding holiday pay from old job. Decided to use extra money to begin sorting out debt. Paid off a couple of small ones and that was my motivation to tackle it all.
b. Debts at their highest
Around £12k
c. Debt-Free Date
31st March 2016 - final countdown!!
d. Your one perl of wisdom.
I give myself £10 per day to live on. Once my salary goes in, I pay my bills leaving just my spending money for the month in my account. For each day that passes and I haven't spent it, I feel way more encouraged to think "do I really need this", this stopped me making flippant purchases like daily Starbucks etc. Most months I'd be able to pay unspent money to credit card. Really motivating me to spend less. I use a countdown app that would countdown to payday.....might seem silly but I love a countdown and I now have one for how long my savings will grow into my house deposit.
e. Links to the!MSE guides!that helped you
No specific links. But I loved coming on here and just reading other people's stories and getting tips and advice. Never really posted much. Now looking forward to tapping into everyone knowledge and advice for saving up my deposit for my own home.
f. Which forum threads helped you
Think every one I read was helpful. Built my confidence and determination to get there in the end.

Thank you to everyone whose stories and tips have helped me completely change my attitude towards money. I honestly feel like a different person. Cannot wait until pay day! 16 sleeps to go!!

jim100uk

lightbulb - Shortly after starting full time employment 40 years ago.
Debts - No debts accrued other than mortgage
Debt Free - mortgage free 2013
Wisdom - Budget incoming and outgoing and do your utmost to stick to it and of course try and save something - however little.
MSE Guides - energy / savings

Sillygal

Lightbulb moment - March 2014
Debts at highest - 18k
Debt Free - today!!! March 23rd 2016
Wisdom - have weekly budgeted envelopes and work in cash!
Threads - I read everything!!! Learnt so much.


:beer::j

LionessInWinter

Congratulations and well done