The Debt Free Roll Of Honour

raychno21

1) Lightbulb moment - October 2015

2) Debts at their highest - £3,000

3) DFD - October 2016

4) Pearl of wisdom - Food Budget & limit days/evenings out and do free things, Comp for extra treats (also comping stops me spending as it takes up my free time).

Farel01

The date of your light bulb moment
03/2015, when I realised our debts topped my yearly income :eek:

Debts at their highest
45000

Debt-Free Date
21/12/2016

Your one pearl of wisdom.
I was deluding myself that all my debt was for the house, which is not untrue, but in the meanwhile I didn't change my lifestyle at all so the debs spiraled out of control. --> don't delude yourself and save for what you want

CharlieRabbit01

a. The date of your lightbulb moment - 2008
b. Debts at their highest - £8k
c. Debt-Free Date - 2nd Jan 2017
d. Your one perl of wisdom. - use balance transfers to keep your debt interest free and watch out for early loan repayment charges.

ashton53

[FONT=&quot]A) [/FONT]The date of your lightbulb moment – August 2013

[FONT=&quot]B) [/FONT]Debts at their highest - £17,000 (mainly thanks to credit cards and not being able to work because of ill health).

[FONT=&quot]C) [/FONT]Debt-Free date – 16th December 2016

[FONT=&quot]D) [/FONT]My one pearl of wisdom – do a full breakdown of what it is you are spending your money on to see where extra savings can be made. It’s amazing how much those little ‘extras’ all add up to.

cleopatra7

A) The date of your lightbulb moment – July 2011

Debts at their highest - £64,000 - mortgage, loan and 1 credit car

C) Debt-Free date – 17th September 2016

D) My one pearl of wisdom – Try and pay more than standard payments on mortgage and credit cards, be savvy, moving to cheaper alternatives (gas/electric/broadband) use cashback sites, big buys double check for best deal.

Dia_Pita

A) The date of your lightbulb moment – January 1995

Debts at their highest - £60,000 - mortgage & loans

C) Debt-Free & Mortgage free date – August 2016


D) Plan and prepare for the unexpected.

Samoens12

Please report

a. The date of your lightbulb moment 16/06/2015
b. Debts at their highest : £153,000

c. Debt-Free Date 1st December 2016
d. Your one pearl of wisdom. TAKE ACTION - MAYBE TINY STEPS BUT JUST TAKE THE FIRST
e. Links to the MSE guides that helped you. the advice and kindness of Bobarella was the best!
f. Which forum threads helped you All debt free wannabees, the support and advice, mainly as a lurker/learner but also a poster when needed
g. And if you had a debt diary on the Debt-Free Wannabe board (DFW), a link to it Ramblings of a mad woman

Bonglecat

a. The date of your lightbulb moment
March 2010

b. Debts at their highest
£43,213.33

c. Debt-Free Date
20 December 2016

d. Your one pearl of wisdom.
Shopping lists, and ignore social pressure to have "things" at the cost of your peace of mind.

e. Links to the MSE guides that helped you
Didn't use them

f. Which forum threads helped you
The Pay ALL your debt off by Xmas <<fill in the year>>

g. And if you had a debt diary on the Debt-Free Wannabe board (DFW), a link to it.
It's in my signature.

Lincsdebt

Lightbulb moment: August 2010


Debts are their highest: around £104,000


Debt-free date: 22 August 2016. Completion certificated issued 12 October. My IVA disappeared from the Register today!


Pearl of Wisdom: Buy what you need, what you think you want. Make your own lunch to afford the occasional treat.


MSE guides used: various


Forum threads: IVA board, Pensions board


Diary: I had one for a few months only

YGASaddler

Lightbulb Moment - October 2011

Debts at their highest - £16,500

Debt Free - December 2016

Pearl of Wisdom: You will have dark days where you dont think you will see the end of it but trust me you will. After 6 years of paying into my IVA and scrapping the barrel every month I now have money to treat myself and my partner. Just never give up and never try getting credit elsewhere!

MSE guides used: various

Forum threads: IVA board, Pensions board