The Debt Free Roll Of Honour

jasperconran

mrscmr wrote: »

A. The date of your lightbulb moment - November 2008
b. Debts at their highest - over £500K !!! made up of £140K of cc and loans - the rest was mortgage!
c. Debt-Free Date - 28 March 2011
d. Your one pearl of wisdom. Never think that just becos you have a huge income that you are safe from debt. We had a massive income, which suddenly stopped, we were in denial for too long and were too greedy for things we didnt need. Never underestimate yourself and get your head into the right zone and beat the debt - good luck
e. And if you had a debt diary on DFW, a link to it https://forums.moneysavingexpert.com/discussion/1563577 my diary which saved me and gave me an outlet to express how i felt.

Congratulations:j and well done. i have followed your diary on and off for a while. You are truely an inspiration to get rid of that much debt in that time, wow!

I must confess I have fallen off of the ebay wagon lol a few times and have given up, but after reading your diary I am going to try again!!! and make sure I dont give up.

I hope you are enjoying your new life abroad, glad things have worked out for you.

JC xxx

Ravanelli

The date of your lightbulb moment May 2006, DMP started June 2006

Debts at their highest. £29,135

Debt-Free Date. 20 April 2011 :j

Your one perl of wisdom. If you aint got the money in the bank to buy it, you can not afford it.

Wee_Pilsbury

Today is my debt free day - an unexpected one at that. I've linked to my own post here below cos I've just had my happy dance there :j:j. I never thought I'd see this day and I can't describe how glad I am about it. A huge well done to all on here before me and hugs and good vibes to those still slogging but who will arrive here after me!

https://forums.moneysavingexpert.com/discussion/comment/43319208#Comment_43319208

OOPS - in the excitement I forgot this bit -


Date of Lightbulb moment - flickered on and off for the last 2 years but came on full and stayed on in Jan 2009

Debts at the highest - just short of £10,000

Debt free day - today! 3rd May 2011 :j

Pearl of wisdom - I'll cheat and have 3. Leave your credit cards at home when you go out. It's hard at first but becomes a habit. Take part in the challenges on here. I found NSD challenge best for me. Finally, downshift brands on everything. It's really amazing the difference that makes!

gothrockchic1

Congrats Wee Pilsbury!!

Wee_Pilsbury

gothrockchic1 wrote: »

Congrats Wee Pilsbury!!

Thanks for the congrats. I'm celebrating tonight with Asda's own brand jaffa cakes instead of their basic ones :rotfl::rotfl::rotfl:

kerri_gt

Wee_Pilsbury wrote: »

Thanks for the congrats. I'm celebrating tonight with Asda's own brand jaffa cakes instead of their basic ones :rotfl::rotfl::rotfl:

Congrats Wee Pilsbury - and hear hear for the NSD challenge - are you still planning on joining us now you are oficially DF?

Wee_Pilsbury

kerri_gt wrote: »

Congrats Wee Pilsbury - and hear hear for the NSD challenge - are you still planning on joining us now you are oficially DF?

I'm already there - with 1 NSD so far from a target of 15! Didn't have one today as planned because I was distraught with total excitement (if one can be such a thing).

It will be a NSD tomorrow though and I believe Thursday as well - hee hee hee - I'll be back. And I'll keep it up too because it made all the difference.

Such a crazy bunch on that thread and there's always the chance to see someone get slapped with a wet paintbrush:eek:

natsing

After 2 years we are finally debt free- yay

a. The date of your lightbulb moment- April 2009
b. Debts at their highest-£21,000
c. Debt-Free Date 11/05/2011
d. Your one perl of wisdom.- Budget, Budget, Budget for everything, if you know where your money is going you can plan better.
e. And if you had a debt diary on DFW, a link to it- no diary, but I've been around plenty mostly lurking. Many thanks to everyone here for the help

Swinstie73

Well done natsing (and a belated congrats to Wee Pilsbury)!!!

frugalzzz

We are debt free as of last night, I can hardly believe it!!!

a. The date of your lightbulb moment- 23rd July 2009
b. Debts at their highest-€24.9
c. Debt-Free Date 19/05/2011
d. Your one pearl of wisdom.- Set up a clear monthly, weekly budget. As soon as money comes in, dispatch it out to the various budget centers. If you know how much you have to spend, you are less likely to go over it. A good spreadsheet is invalueable too. Oh and get your OH (if there is one) onside. So important that you both commit to the debt free path!

Thank you everyone! Stick with it, it's an amazing feeling to be debt free. Better than any purchase xx