The Debt Free Roll Of Honour

debtfreewannabe321

elsiepac wrote: »

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

Well done you :beer: really happy to see your name in here :T:T dfw x

gothrockchic1

elsiepac wrote: »

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

Well Done :T:T:T:T:T

lornz23

Well Done :-) I have four months left - I hope, till I can join this list, its so close I can almost smell it!!!

thrifty_fifty

Well done everyone and not long now lornz23.

7 weeks on friday I'll be posting on here. Not that I'm counting or anything

hp48910

Well done everyone, I can't wait to post in here. My snowball calc says 9 months but I'm hoping I can move it forward but overpaying and cutting back.

Inspirational reading x

richardvc

Well done ! It really is a great feeling isn't it ? !!

gothrockchic1

I can't wait till I post on here, this thread keeps me going x

determined_new_ms

elsiepac wrote: »

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

aw congrats elsiepac really pleased for you x

moments_of_sanity

Lightbulb moment - when we could no longer afford to pay the bills or have money for food!

Debts at highest £32,479 (I still whince when I see that figure)

Debt Free Date Today!

Pearl of Wisdom - learn to budget properly and watch every penny you spend, you will be surprised where it goes.

I know we were very fortunate to be able to pay this off, although it has meant the very sad loss of my MIL. We sold her property and it completed today so it is with very much love and thanks to the wonderful lady who made this all possible. Love you and miss you very much MIL xxx

Never again will I have credit cards or debt!

thrifty_fifty

Congratulations. xx