The Debt Free Roll Of Honour

gothrockchic1

Sunshine22 wrote: »

a. The date of your lightbulb moment: Sept 2010, and then again in May 2011 :rotfl:

b. Debts at their highest: £7750

c. Debt-Free Date: 01/01/2013

d. Your one pearl of wisdom: Give yourself one treat a month. On payday, once I'd made my payments to the debts, I'd give myself £10 for something I wanted rather than needed, such as a few drinks with friends or a new item of clothing. It may have extended my debt paring by a month but it kept me sane!

Sx

Well Done, what a way to start 2013. Enjoy a debt free 2013. :T

chris81418

a. The date of your lightbulb moment 1st 01/06/06 when my debt was at its highest and I started debt busting on my own; 2nd 04/02/09 when I signed up to the MSE forum and started posting and joining in the challenges was when I felt and really started to make in roads. :j

b. Debts at their highest £69,023.92. :eek:

c. Debt-Free Date 31/12/12. :j

d. Your one pearl of wisdom Join the weekly WSC (Weekly Spend Challenge) thread and the NSD (No Spend Day) thread, they offer fantastic support and help stay on track! :money:

e. And if you had a debt diary on DFW, a link to it No diary, but I posted daily on the NSD thread, which is like a family where we all vent and support each other when necessary!

addyboy1982

Lightbulb moment: 24/03/07

Debts at highest: £18622

Debt-Free Date: 25/10/12

Pearl of wisdom: Never, ever give up. Every pound not spent is pound off your debts

cydney65

I'm a bit giddy with excitement as I have just paid the last £883.66 off my credit card...

a. The date of your lightbulb moment: 28/12/08
b. Debts at their highest: £17,082.66
c. Debt-Free Date: 7/01/13
d. Your one pearl of wisdom: Read your bank statements and continue to use SOAs. All of this helps to change your attitude towards money.
I recently slipped up and started spending again. I have now read my bank statements, made new SOAs and have a firm grip on my spending again, I hope. I just need to keep up these new spending habits! It's so hard though, when you are used to burying your head in the sand and denying that you have a problem with spending. I am determined NEVER to get into debt again and to change my attitude towards money generally. Oh and I've started to save YAY!

Good luck to all those who are still on their debt free journey.

gothrockchic1

chris81418 wrote: »

a. The date of your lightbulb moment 1st 01/06/06 when my debt was at its highest and I started debt busting on my own; 2nd 04/02/09 when I signed up to the MSE forum and started posting and joining in the challenges was when I felt and really started to make in roads. :j

b. Debts at their highest £69,023.92. :eek:

c. Debt-Free Date 31/12/12. :j

d. Your one pearl of wisdom Join the weekly WSC (Weekly Spend Challenge) thread and the NSD (No Spend Day) thread, they offer fantastic support and help stay on track! :money:

e. And if you had a debt diary on DFW, a link to it No diary, but I posted daily on the NSD thread, which is like a family where we all vent and support each other when necessary!

Well Done you!! A great way of starting 2013.

gothrockchic1

addyboy1982 wrote: »

Lightbulb moment: 24/03/07

Debts at highest: £18622

Debt-Free Date: 25/10/12

Pearl of wisdom: Never, ever give up. Every pound not spent is pound off your debts

Well Done!! Enjoy 2013 x

gothrockchic1

cydney65 wrote: »

I'm a bit giddy with excitement as I have just paid the last £883.66 off my credit card...

a. The date of your lightbulb moment: 28/12/08
b. Debts at their highest: £17,082.66
c. Debt-Free Date: 7/01/13
d. Your one pearl of wisdom: Read your bank statements and continue to use SOAs. All of this helps to change your attitude towards money.
I recently slipped up and started spending again. I have now read my bank statements, made new SOAs and have a firm grip on my spending again, I hope. I just need to keep up these new spending habits! It's so hard though, when you are used to burying your head in the sand and denying that you have a problem with spending. I am determined NEVER to get into debt again and to change my attitude towards money generally. Oh and I've started to save YAY!

Good luck to all those who are still on their debt free journey.

Well Done!!! That's great news, more pennies to save!! :T

biglad

Lightbulb moment: July 2006

Debt at highest: £24,500

Debt-Free Date: January 2013

Pearl of wisdom: It will all be worth it in the end regardless of how rubbish you will feel at times. Make sure you learn a lesson from having to pay back your debt, no point going through all the hard work to be back there again! I am definitely a lot better with money now!

gothrockchic1

biglad wrote: »

Lightbulb moment: July 2006

Debt at highest: £24,500

Debt-Free Date: January 2013

Pearl of wisdom: It will all be worth it in the end regardless of how rubbish you will feel at times. Make sure you learn a lesson from having to pay back your debt, no point going through all the hard work to be back there again! I am definitely a lot better with money now!

Well Done!!

asparagus1968

hiya


LBM july 2010 (flickerings many times before! )
Debt Approx £6000 overdraft and 2 credit cards
DFD 25th jan 2013

how i did it: new bank account and paid a little off OD in old one every month.
taking out a weekly amount of cash for groceries and petrol,
meal planning / shopping out of storecupboards was a biggie for me-think this was the major change actually. I now scour my fridge,freezer,cupboards,bathroom cabinet and cleaning drawers weekly then make a list!

best questions to keep asking youself- "do I really need this now,can I use something I already have instead,can I make do without?

Massive thanks to all on this site!