The Debt Free Roll Of Honour

rictus123

Well looks like il be joining in with some celebrations on the 23rd of December bein debt free first time since i was 16...20 now. Debt hit £15k but got it down and an end in sight....137 days to go, day at a time and thats me. Never again.

greenfingers10

superwoman247 wrote: »

Well done to you too:beer:

Hi Superwoman
And many congratulations to you too! Enjoy your freedom from debt. I am definitely getting used to it now and know I will NEVER get into debt like that again. :beer:

superwoman247

Me too, it was weird first month when we had some money left over after bills wondering what to do with it!!!

aytch

Lightbulb moment: Christmas 2009

Debts at highest: £45,000

Debt-Free Date: 11th August 2011

Pearl of wisdom: Sleep on it. If you are thinking of spending on an item (that is not essential) sleep on it, wait 24hrs and interestingly the urge lessens and I found the need for it passed. Also, getting my bank to text me my balance every Friday stopped me spending at weekends. Finally (I know, more than one pearl) tell your partner the WHOLE truth!

Thank you MSE my most used site! xxx

:):)

superwoman247

:T:T:T:T:T:T:T:T:T

Congratulations Aytch.

WARNING; you will find it odd for a while not getting any more mail in the post:rotfl::rotfl::rotfl:

Funny how my bank has stopped sending me offers for balance transfers and loans. \only offers I get now are for ISAs and savings. Makes me feel real good

gothrockchic1

aytch wrote: »

Lightbulb moment: Christmas 2009

Debts at highest: £45,000

Debt-Free Date: 11th August 2011

Pearl of wisdom: Sleep on it. If you are thinking of spending on an item (that is not essential) sleep on it, wait 24hrs and interestingly the urge lessens and I found the need for it passed. Also, getting my bank to text me my balance every Friday stopped me spending at weekends. Finally (I know, more than one pearl) tell your partner the WHOLE truth!

Thank you MSE my most used site! xxx

:):)

Congratulations! :beer::j:T

Damita

The date of your lightbulb moment - October 2008

Debts at their highest 11,000

Debt-Free Date 28th August 2011

Your one perl of wisdom. If you want to buy something wait a week, I am sure most of the need will be gone by then. Plus using a spending diary write down everything you spend.

And if you had a debt diary on DFW, a link to it
https://forums.moneysavingexpert.com/discussion/1374071

https://forums.moneysavingexpert.com/discussion/2638689

gothrockchic1

Damita wrote: »

The date of your lightbulb moment - October 2008

Debts at their highest 11,000

Debt-Free Date 28th August 2011

Your one perl of wisdom. If you want to buy something wait a week, I am sure most of the need will be gone by then. Plus using a spending diary write down everything you spend.

And if you had a debt diary on DFW, a link to it
https://forums.moneysavingexpert.com/discussion/1374071

https://forums.moneysavingexpert.com/discussion/2638689

:T:T:T:T:T:T:TCongratulations:j:j:j:j:j:j

This thread gives me hope

millsy83

a. The date of your lightbulb moment 23rd August 2005

b. Debts at their highest Circa £22k

c. Debt-Free Date 26th August 2011

d. Your one perl of wisdom.
As has been echoed many times in this thread, whenever you are in a shopping situation whether it be sat in front of the computer or in a shop, always ask yourself if you REALLY need it! even if you're sure you 100% need it, always leave it for a day or more and take stock of whether you really do need it

Make sure you keep track of all your finances, know what is coming in and what is going out and plan properly for the month ahead. check your accounts online and make sure there are no unforeseen bills that you had forgotten or not expected to come out.

Ultimately it is only you that can keep track and maintain/manage your debt, it may seem like paying your debt off will never end, but when it does it's the best feeling knowing you owe nobody!

Good Luck

gothrockchic1

millsy83 wrote: »

a. The date of your lightbulb moment 23rd August 2005

b. Debts at their highest Circa £22k

c. Debt-Free Date 26th August 2011

d. Your one perl of wisdom.
As has been echoed many times in this thread, whenever you are in a shopping situation whether it be sat in front of the computer or in a shop, always ask yourself if you REALLY need it! even if you're sure you 100% need it, always leave it for a day or more and take stock of whether you really do need it

Make sure you keep track of all your finances, know what is coming in and what is going out and plan properly for the month ahead. check your accounts online and make sure there are no unforeseen bills that you had forgotten or not expected to come out.

Ultimately it is only you that can keep track and maintain/manage your debt, it may seem like paying your debt off will never end, but when it does it's the best feeling knowing you owe nobody!

Good Luck

Congratulations :T:T:T:T:T:T:T:j:j:j:j:j:j:beer::beer::beer::beer::beer: