The Debt Free Roll Of Honour

Triker

The date of your lightbulb moment May 2006

Debts at their highest Probably around £55,000

Debt-Free Date 11th June 2008

Your one pearl of wisdom. You've got no chance just with one

Freecycle for breadmaker, slowcooker.

Stop thinking that you 'deserve' expensive holidays, cars, food, etc, you deserve to not have to worry about money.;) All the above can be achievable without the huge price tag.

Use Money off coupons to reduce shopping bills.

Sell what you can on ebay.

Go through Quidco, topcashback for buying online.

Claim back MEAF, PPI, BANK CHARGES.

Read Martin's article's on everything concerning your personal circumstances.

Do not be ashamed to be in debt, there are more of us out there than you think.:D

Everyone has a blip or two, accept it then move on.

Check your Direct Debits, you may still be paying for something unnecessary or ended!

And finally it's never too early to start collecting christmas presents.:xmastree:


Thank you sooo much to everyone who has walked with me on this interesting and difficult journey. I'll pay this back by sharing what I know with others to guide them on their way to debt free status.

:happyloveTriker xxxx


P.S. Cheers Martin.:T

themaccas

The date of your lightbulb moment January 2006

Debts at their highest Over £44,000

Debt-Free Date 24th June 2008

Your one pearl of wisdom. There is no magic remedy or secret to clearing debt. It is hard work to keep motivated and focused. We tried all we could to maximise our income and pay off the smaller debts first. As these were paid off and cancelled it gave us enormous motivation to keep going. We also used whatsthecost.com to see how we could snowball our debt payments. As time went on we questioned every purchase and kept a spending diary on a big whiteboard in our kitchen so we could always see what we had spent and where the money was going and we will be continuing with that. You also need to be realistic too especially with a family as you will almost certainly not be able to pay as much debt in school holidays and especially christmas. However keep going and stay on DFW as the support is second to none!

ANDY597

The date of your lightbulb moment

16dec06

b. Debts at their highest

£15061.02 :eek:

c. Debt-Free Date

27 June 2008

d. Your one pearl of wisdom.
Free Bingo & Quidco, but not necessarily in that order.

mariagti

The date of your lightbulb moment

13th Oct 2007

b. Debts at their highest

£3500

c. Debt-Free Date

30th June 2008:D

d. Your one pearl of wisdom.

Dont give up, keep a spending diary and make yourself a weekly/monthly budget and stick to it. If you dont need something then dont buy it!
Also use Quidco, money off coupons, survey sites and ebay. Good Luck to all DFW's.;)
My Diary link http://forums.moneysavingexpert.com/showthread.html?t=574597

jak

Light bulb moment: had one or 2 over the last few years but mainly when I found out we were expecting our first baby!

Original debt: £12,576!

Debt free date: 27/06/2008! Go me!

My pearl of wisdom would be: chuck everything you can at your debt. It sounds simplistic but it's amazing how quickly a few pounds here and there reduces it! Also MEAL PLAN and use coupons! Always!

Thanks to everyone who helped me! I'm so proud of myself!

J
X

Magicboo

Lightbulb moment-Nov 04 (when I took out yet ANOTHER loan to cover overdrafts/C Cards etc)
Original Debt-just over £15,000
Debt free date-30th May 08
Pearl of wisdom-Believe you can do it & keep using those balance transfers & moving money around to the lowest interest rates.
I Can't believe I've done it! I haven't been debt free for 15 years.
It never occoured to me to look at the forum pages on the website until I was debt free-I wish I had-your support would have made it so much easier to not give into temptation!
The feeling of no debts is WONDERFUL

Horace

Lightbulb Moment around September 07

Debt at highest £3500

Debt Free Day Today:j

I feel that I must thank my employer for seeing the light and giving me money to make me go away - for you I say two fingers. I will never ever work for you again!

For the rest of my mates on here:beer: I won't leave as I enjoy the challenges and making free money:rotfl:

My word of advice - don't give up ever!

Snaggles

Lightbulb moment: Probably 30th December 1999 - the eve of the new millenium, 4 months after getting married, and the day I found out I was pregnant with my son. We were living in a grotty rented flat, absolutely stoney broke and with £17k worth of debt (about £5k was my car loan and rest was hubby's from before I met him). I remember thinking 'we've got responsibilities now, things have got to change'.

Debt at highest: As above, but then when we had paid quite a lot of it back, we borrowed another £5k for a car, so the overall amount we have paid off is around £22k.

Debtfree date: Today! (12th August 2008)

Pearl of wisdom: There's no easy way out or quick fix - it's about making lifestyle changes that are sustainable over a long period, and keeping going even when there seems to be no end in sight, or when it feels like life is ganging up on you.

And you need good friends to support you through the bad times, and celebrate with you in the good times. That's what I have found here on DFW - you are amazing, thank you xxx

elantan

and there you are ...well done mrs

Wol2

Snaggles wrote: »

And you need good friends to support you through the bad times, and celebrate with you in the good times. That's what I have found here on DFW - you are amazing, thank you xxx

Amen Snags

Well done!!

Muc love
Wol2
xx