The Debt Free Roll Of Honour

bbtt

a. The date of your lightbulb moment

February 2007

b. Debts at their highest

£41,549

c. Debt-Free Date

Today – 30 April 2012

d. Your one pearl of wisdom.

Budget J

I used to look at my bank balance at the beginning of each month and think “great, let’s get spending”. I never stopped to work out how much I had left after all the bills and other outgoings, so I set up a simple spreadsheet to keep track. That left me with the"real" amount I had spare and I finally started living within my means.

e. And if you had a debt diary on DFW, a link to it

I didn’t have a debt diary myself, but have followed lots of other diaries on here since 2007. Special mention for Hypno06 – a truly inspirational person to whom I will be eternally grateful for sharing her story on here. Thank you.

Also thanks to Martin for creating this site - it's been a lifesaver. Debt free for the first time since 1999! Woop!

hypno06

bbtt wrote: »

I didn’t have a debt diary myself, but have followed lots of other diaries on here since 2007. Special mention for Hypno06 – a truly inspirational person to whom I will be eternally grateful for sharing her story on here. Thank you.

Also thanks to Martin for creating this site - it's been a lifesaver. Debt free for the first time since 1999! Woop!

Hey, no need to thank me - I'm just one person on an amazing site that allows people like you and I to tackle things that, at one point, seemed the most untackleable things ever!

I'm really pleased to read that you are debt free - welcome to the rest of your life :T:T:T

xxx

mummum2

Wow! bbtt! that's an awersome achievement! here to the rest of your debt free life! :j:beer:. Give me such a lift when I read of those huge amounts as I also started with a huge one (64k in 2007), now have just over £17K to finish! knowing it can be done and has been done is what keeps me going! thanks for sharing and I for one can't wait to get there! :beer:

Hovel_lady

bbtt wrote: »

a. The date of your lightbulb moment

February 2007

b. Debts at their highest

£41,549

c. Debt-Free Date

Today – 30 April 2012

d. Your one pearl of wisdom.

Budget J

I used to look at my bank balance at the beginning of each month and think “great, let’s get spending”. I never stopped to work out how much I had left after all the bills and other outgoings, so I set up a simple spreadsheet to keep track. That left me with the"real" amount I had spare and I finally started living within my means.

e. And if you had a debt diary on DFW, a link to it

I didn’t have a debt diary myself, but have followed lots of other diaries on here since 2007. Special mention for Hypno06 – a truly inspirational person to whom I will be eternally grateful for sharing her story on here. Thank you.

Also thanks to Martin for creating this site - it's been a lifesaver. Debt free for the first time since 1999! Woop!

Congratulations :T

Tropicalmoments

Date of lightbulb moment: Feb 2006
Debts at highest: £36000 approx
Debt free date: 9 May 2012
Pearl of Wisdom: So many things I've learnt from this site. Don't think you're weak or a failure because you're in debt. Plenty of people are but don't admit it. Share your problems with your partner (I didn't initially but people on here encouraged and supported me to make it easier to be able to tell him). Take on some of the challenges, budget, follow the OS forum but most of all don't ignore the debt - it won't go away until you challenge it. Do whatever works for you - for me it was a dmp through Payplan - who have been fantastic.

mummum2

Tropicalmoments wrote: »

Date of lightbulb moment: Feb 2006
Debts at highest: £36000 approx
Debt free date: 9 May 2012
Pearl of Wisdom: So many things I've learnt from this site. Don't think you're weak or a failure because you're in debt. Plenty of people are but don't admit it. Share your problems with your partner (I didn't initially but people on here encouraged and supported me to make it easier to be able to tell him). Take on some of the challenges, budget, follow the OS forum but most of all don't ignore the debt - it won't go away until you challenge it. Do whatever works for you - for me it was a dmp through Payplan - who have been fantastic.

Fantastic, well done and wishing you a happy stress free debt free life! :beer::T:j

Hovel_lady

Tropicalmoments wrote: »

Date of lightbulb moment: Feb 2006
Debts at highest: £36000 approx
Debt free date: 9 May 2012
Pearl of Wisdom: So many things I've learnt from this site. Don't think you're weak or a failure because you're in debt. Plenty of people are but don't admit it. Share your problems with your partner (I didn't initially but people on here encouraged and supported me to make it easier to be able to tell him). Take on some of the challenges, budget, follow the OS forum but most of all don't ignore the debt - it won't go away until you challenge it. Do whatever works for you - for me it was a dmp through Payplan - who have been fantastic.

Congratulations :T
Enjoy the rest of your debt free life.

Barbeduk

Date of lightbulb moment| the big one was new year's eve 2011.

Debt at their highest| £6109.94

Debt free date| 18 May 2012

Pearl of wisdom: join as many challenges as you can, the motivation and inspiration you get from everyone is fantastic and I honestly couldn't have done it without the support on the debt free wannabe threads. Also, any payment, however small, counts.

Now I'm going after the mortgage!!:D

Hovel_lady

Barbeduk wrote: »

Date of lightbulb moment| the big one was new year's eve 2011.

Debt at their highest| £6109.94

Debt free date| 18 May 2012

Pearl of wisdom: join as many challenges as you can, the motivation and inspiration you get from everyone is fantastic and I honestly couldn't have done it without the support on the debt free wannabe threads. Also, any payment, however small, counts.

Now I'm going after the mortgage!!:D

Congratulations :T

gothrockchic1

Well Done to everyone who is Debt Free this month x