The Debt Free Roll Of Honour

backinbusiness

(a) LBM - date of separation 3rd April 2009

(b) Debts at this time - about £16K

(c) Debt free date - TODAY!!

(d) Pearls of wisdom? Don't ignore the situation - get right on top of it. Budget properly - know all your income and outgoings. I found cash is king - I withdrew the cash on a Monday to see me through the week - when it's gone - it's gone. (It became a challenge to see how much I could have left over). Ask for help on these forums, browse them and use the suggestions.

Thank you so much to Martin Lewis and the MSE community.

So glad to have found you.

x

LexieLou

Love it backinbusiness.

Love the challenge of drawing money on a Monday and seeing how much you have left at the end of the week.

Have a godd weekend.

LLxx

andrea1968_2

Lightbulb moment - March 2006:T

Debts at highest - £22000 :eek::eek::mad::eek::eek:

Debt free date - January 27th 2011:j:j:j:j:j

Pearl of wisdom - Don't go window shopping before you know it you're in the queue with your purse in your hand.:(

skaps

Well done andre1968 - enjoy the joy of being debt free. I can't wait till I'm in this position.

Lovella

LBM: November 2006
Debt at highest: £37,000
debt free date: 28 January 2011
Pearl of wisdom: use this site for support, advice and a listening ear - whatever else is going on there always someone here that's been willing to listen and help me or simply just to sympathise, and for that I am so, so grateful. Also never give up, this day has been a long time coming, but it did happen and it will for everyone else just starting out on their journey too. X

Frith

LBM: January 2005
Debt at highest: Quite difficult to calculate but I'll have a go in a minute - £30,000.
Debt free date: 26.1.2011
Pearl of wisdom: Keep your paperwork in order, don't be afraid to write and write again to debt companies, phone the Financial Ombudsman and use this site every day!

Debts as I can remember them:

Bank of Scotland loan: £2,500
Countrywide loan: £2,000
Overdraft with Lloyds TSB: £3,000 and blacklisted.
Overdraft and loan with HSBC: £16,500 and blacklisted.
Unpaid council tax: £800
Unpaid car insurance: £70
Unpaid electricity bills: £800
Unpaid house insurance: £70
Milkman (!): £70
Unpaid mortgage: £750
Legal Aid fees: £8,000

alona1

The date of your lightbulb moment - July 2008
Debts at their highest - £18k
Debt-Free Date - Today! 25/02/2011
Your one pearl of wisdom - Ask yourself, do you need it?

Woooooohhhhhhoooooooooooooooooooo!!!!!!!

debtmess

Lightbulb moment was in nov/dec 2005 when i was with my now ex husband

Debt at highest 27k

Debt free date Febuary 2011 :j

pearl or wisdom, look around at the different debt management companys, worst thing we did was start with baines and ernst before switching to payplan . we had our head in the sand for far too long, listen to the good advice on here and no question is a silly question.

i will never have a credit card or loan again, this is what got me in trouble if i dont have the money i simply dont buy it

[Deleted User]

debtmess wrote: »

Lightbulb moment was in nov/dec 2005 when i was with my now ex husband

Debt at highest 27k

Debt free date Febuary 2011 :j

pearl or wisdom, look around at the different debt management companys, worst thing we did was start with baines and ernst before switching to payplan . we had our head in the sand for far too long, listen to the good advice on here and no question is a silly question.

i will never have a credit card or loan again, this is what got me in trouble if i dont have the money i simply dont buy it

You will need to change your username!

Congratulations

thrifty_fifty

Brilliant work everyone.

I can't wait to post on here. 6 months to go.