The Debt Free Roll Of Honour

sallyx

Thanks Hypno

Burlesque_Babe

well done sally. As someone else who can also partly attribute a relationship breaking down to financial strains, I really feel for you.

Onwards and upwards..........or is it downwards as you're technically imminently moving south now

sallyx

Burlesque_Babe wrote: »

well done sally. As someone else who can also partly attribute a relationship breaking down to financial strains, I really feel for you.

Onwards and upwards..........or is it downwards as you're technically imminently moving south now

I think I am actually moving east...or maybe south east

boredofbeingathome

Well done Sally. x

LexieLou

Congratulations Sallyx. Such a heart wrenching story, but I am so pleased for you that you've come out the other side. Enjoy the debt free life you now have. xx

maidofrohan

Hi, I know this is a little premature, but my DFD will def happen!!

a. The date of your lightbulb moment
January 2008. I was (still am!!) a single parent. One freezing evening in January, my son (15months at the time) was taken ill. I had to take him to the out-of-hours GP. I didn't drive at the time, and only had enough cash on me for one taxi journey (had a bit more cash in my account but couldn't get to an ATM and taxi driver couldn't take card payment). I had to call my brother and get him to give us a lift when the out-of-hours doc referred my littley to the hospital. I remember hating myself so much that night, that I couldn't even drive my son to hospital without relying on others. So I vowed to get my butt in gear to get shot of debt, start driving lessons, get savings and a car!!

b. Debts at their highest
£14.5K :eek:

c. Debt-Free Date:j
10/09/2010!! (payment of £104.49 on the 27/8, another on 3/9 and a final payment of £18.38 on 10/9). NB I also got my full driving license in June 2009!!

d. Your one pearl of wisdom.

I have more than one!!....

Read the info on this site, and on the DFW forum (I've tended to lurk more than post, but that may change!!), and keep looking at this site - seriously, it makes life a lot easier knowing that you're not the only one to be going through this. The advice and info on this site is amazing, and people are just brilliant, so helpful, unjudgemental and positive.

Write down exactly what you owe (and who to), and go through your credit file to make sure that there's nothing on there that you don't know about! Then put on paper your income/outgoings...it makes life so much easier seeing everything written down. Tell your nearest and dearest....and don't give up!!

ETA...this will sound nasty but don't agree to (or think v carefully about!) take out credit for anyone (ie boyfriends) or live of credit just to help fund day-to-day living when a partner is out of work. I stupidly did this, got in a lot of debt, ended up robbing Peter to pay Paul....you all get the picture. Took out credit for most recent ex (father of my son) when we were together, I then fell pregnant and he !!!!!!ed off. Of course, every situ is different but yeah just be careful!!

Nottoobadyet

Well done, you! Love your name as well, on most other sites my nickname is Sheildmaiden

dufus

Lightbulb moment - January 2007
b. Debts at their highest- £7656
c. Debt-Free Date -26th AUGUST 2010 (yep, only yesterday!!!!!)
d. Your one pearl of wisdom - keep reading all the emails and blogs on this website. It definately kept me going. I've been an avid reader but not a user since the beginning of the site and it definately kept me motivated, especially this thread as I really wanted to post onto it but my debt kept still being there!!! But today I woke up debt free - best feeling! Stick to it, you can get here too.

debtfreegonnabe_2

Ive just been reading through this thread..............very well done everyone, cant wait to add my name to the list, you all must be sooo happy.

DFGB

LexieLou

Well done Dufus, I hope to be on here one day too!

Keep smiling!

LL xxx