The Debt Free Roll Of Honour

Herewegoagain

Help cleared my debt last year aug 07 and now want to be mortgage free, as all other debt beside my mortgage has been cleared does that mean I belong on here with you lovely folks?

boredofbeingathome

Yep it does HWGA...but don't go on the mortgage free board ( except for a visit)..once a DFW always a DFW...i am sure there is a law written in the small print!
Congratulations.x

Herewegoagain

Thanks bob

LBM 6th nov 05

Debts at highest £7501.21p

Debt free date 24th Aug 07

Pearls of wisdom

1 For me it's having worry money in savings for that rainy day:D
2 Keeping a spends diary, knowing where it's going
3 Internet banking so you can check daily or more often, never hide from your debt or it will bite you in the bum
4 Have a spreadsheet that will show you what will happen in a few months/years, if you spend xy now, it is the best tool you can have:D
5 Check and re check everything do you really need it
6 Have fun, it's amazing how much fun you can have without spending anything:cool:

jenjade

morning all,

i am only ever going to get to post on here once in my life so i am going to enjoy it!!

I AM OFFICALLY DEBT FREE

WOW OMG i have done it all gone the payment for £170 went out this morning and i have now removed the standing order and i have paid my debt off in full all gone done!!:j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j :j

light bulb moment- Feb 08 when i found this site:T :j :beer:
amount owning at lightbulb moment- £1,800:mad:

debt free date- TODAY 5th Sept

hint and tips - keep account of what you spend, join loads of challanges, look at the up your income board, make loads of friends on here, sell everything and pay extra regularly!!!!

THANK YOU EVERYONE WHO HAS HELPED ADVICED AND SUPPORTED ME!!:p

Princess_Jane

Bluddy hell I never thought I'd be here. I had my lightbulb moment in Oct 2006, after taking my first job post professional qualification and realising my wage wasn't even enough to cover my everyday bills and petrol to work.

I left another tearful meeting with the bank, head spinning and thought, I can't keep going like this.

I discovered MSE when searching for info on how to reclaim bank charges, and the rest as they say..

In total I've paid off just under £10k, though at its highest my debt was about £7k - things got taken off and added on

I always said I wanted to be DF before my 30th birthday, and indeed I am, 11 days before, on Sep 15, 2008.

My one pearl of wisdom is to get a second job, if at all possible.

I realise this isn't possible for everyone, but for me, it made the difference between sink and swim.

lilmissmup

Yay feels so glad to post here (although i am so proud i am posting everywhere :rotfl:)

I had my light bulb moment in April 2007 when i joined this site, my debts were then approx £5300 as i took out a loan to clear all my other debts, but i did get another credit card and spent on it so over the last 17 months i have cleared about £7k of debt all by myself

And as of today i am debt free and proud.

My words of wisdom is to keep going at it and imagine the things you can achieve/buy once its all gone, my main goal is to own my own home and start a family plus have a few nice holidays before and its kept me going.

tudorfan22

DF today - just paid off stupid halifax!!!!!!!!!!

LBM was 15/1/08
debts at highest were £5580
DFD is today 25/9/08
now i just gotta not get in any more debt!!!!!!

notenoughcash

Wow, I finally made it, here I am on the roll of honour, 26 September 2008 is my debt free date, thanks so much to everyone!

Mine's not a very straightforward debt-free journey. My debt at highest was a few quid under £100k (including mortgage) 3 years ago when I became a single mum. I struggled until I lost the house and ran away from the rest of the debt. It was only in May this year that I decided, with the support of this site, to face up to the remainder of the debt. I am so glad that I did.

I have reclaimed all unfair charges using the templates and forum support which obviously cut a big chunk into it, I have drastically cut back on things I thought I was already spending minimum on which I will stick with forever and I have laughed more than I have in years!

moneymabel

Lightbulb moment - April 2007
Debt at highest - £8738
Debtfree date - September 30th 2008

Pearl of wisdom (wisdom..me?..dont think so..) - Get a real idea of what money is worth, a fiver used to be 'just a fiver' now its a lot of money! Join quidco,survey sites, bingo site scratchcards and anything else you can find for that few extra quid-it all mounts up....er-thats all folks :-)

HannaB

LBM July 2007 (after my car accident, I decided to get my life in order)

Debts at highest 18,511 (including Student loan, £7,511 without it)

Debt free date 3rd October 2008 (everything but the student loan)

Pearls of wisdom

1 Real friends won't mind if you have the jacket potato while they have the steak:D
2 Be organised, check your online bank balance frequently and make a spending diary
3 The people on this website know what they're talking about!
4 If you see something you like in a shop...walk away. If you're still thinking about the item a week later, go back to the shop. If it's sold out, it just wasn't meant to be.
5 Even the longest journey starts with a single step...