The Debt Free Roll Of Honour

gothrockchic1

mustbemad68 wrote: »

I have been lucky enough to get back pay from work which has allowed me to pay off the last of my debt today and still have a little left over. Now it's time to start saving for what I want instead of getting it and paying later.

Lightbulb moment: June 2009

Debt at highest: approx £15000

Debt-Free Date: Today!!! 22/12/11

Pearls of wisdom: do a spending diary - it's amazing where your money dribbles away to! Also, admit when you can't afford something and keep coming on here for support - I couldn't have done it without this place.:)

Well Done, I agree this site keeps me going.

Enjoy your new found wealth! :beer:

Hovel_lady

mustbemad68 wrote: »

I have been lucky enough to get back pay from work which has allowed me to pay off the last of my debt today and still have a little left over. Now it's time to start saving for what I want instead of getting it and paying later.

Lightbulb moment: June 2009

Debt at highest: approx £15000

Debt-Free Date: Today!!! 22/12/11

Pearls of wisdom: do a spending diary - it's amazing where your money dribbles away to! Also, admit when you can't afford something and keep coming on here for support - I couldn't have done it without this place.:)

Well done :T
Enjoy the rest of your debt free life

LexieLou

Mustbemad, thank you for posting...I was starting to lose the will.

Have and amazing Christmas.

LL xx

thrifty_fifty

Congratulations everyone, and Merry Christmas.

Just three more months and I can post on here. Can't wait. This thread keeps spurring me on.

JustinCredibleGillespie

Whao! Very well done to you all!

One of the most inspiring threads on MSE!

Merry xmas & a Happy New Year to you all!

JCG

xx

freebyfifty

Well done to you all :T

I keep reading this thread to keep me motivated and to remind me that'll one day I'll be posting on here

LuckyLouise

** Deleted **

littlemisschocolate

My DH gave me the best Christmas present a girl can ask for an email from my DMP provider that a full and final settlement payment had been made and I'm now debt free! :j:j:j

I started out on my journey 6 years ago after having my LBM just before Christmas 2005 with £21k worth of debt a mixture of credit cards, loans and a catalogue! During this time, I've learnt you don't need fancy clothes, the latest gadget etc to be happy, what matters is being with family and friends.

My spending habbits won't change,though I've been told to treat myself with the £220 I use to pay to Pay Plan in the sales, but in all honesty there's nothing I really need or want, I'd be buying for the sake of buying! So instead it's going in the mortgage wannabe fund!

My pearl of wisdom is treat yourself to a little something every month, whether it be renting a dvd or going to the cinema, if you don't you could fall off of the band waggon or start to resent things/people.

gothrockchic1

littlemisschocolate wrote: »

My DH gave me the best Christmas present a girl can ask for an email from my DMP provider that a full and final settlement payment had been made and I'm now debt free! :j:j:j

I started out on my journey 6 years ago after having my LBM just before Christmas 2005 with £21k worth of debt a mixture of credit cards, loans and a catalogue! During this time, I've learnt you don't need fancy clothes, the latest gadget etc to be happy, what matters is being with family and friends.

My spending habbits won't change,though I've been told to treat myself with the £220 I use to pay to Pay Plan in the sales, but in all honesty there's nothing I really need or want, I'd be buying for the sake of buying! So instead it's going in the mortgage wannabe fund!

My pearl of wisdom is treat yourself to a little something every month, whether it be renting a dvd or going to the cinema, if you don't you could fall off of the band waggon or start to resent things/people.

Well Done :T:T

Time for a :beer:

elsiepac

Lightbulb Moment: Mini one in Dec 2010 when started DMP Real one in May 2011 when did SOA, rediscovered MSE and found money for huge payments

Debts at highest: £15k plus, however paid a lot off with sale of flat in March 2010. DMP £4k plus

Debt Free Date: December 2011 (last payment made to CCCS 1 Dec, CCCS paid creditors 14 Dec, confirmed with all creditors 29 Dec that all accounts cleared and closed)

One Pearl of Wisdon: Spreadsheets, spreadsheets, spreadsheets. Keep track of EVERYTHING. Also, use the envelope method and live off cash. Easier to keep track. Record everything. Only buy what you need or can afford. Check bank accounts. Basically, become OCD like me!!!

Thanks so much Martin and all the wonderful MSE forumites, you are gems

LC xxx