The Debt Free Roll Of Honour

flowertotmum

Hey all well done..

Date of LBM..April 2008..sat under a tree at the top of a hill..

Debt at highest...£ 6000

Debt free in June/July 2011 for me
Debt free in August 2011 for OH..

Perl of wisdom..if you really can't afford it then save..make very penny you have work for you..

Forums that helped..Old style..debt free diaries..all brilliant and so inspiring..

ftm

Olderbutnotwiser

:D:D:D
Can not stop smiling!
Light bulb moment Dec 08 with debt at over 42k (hangs head in shame!)
It's taken 5 years but as of Christmas Eve 2013 I'm now debt free:j
Could not have done it without this site so thanks to everyone involved:T
Next goal to be Mortgage free :eek:
Strangely enough even though Mortgage stands at 86k I think I can also attempt this in 5 years (life, job market, health etc willing) this is possible as I no longer have to pay off other debts:D:D:D:D:D

Hopelessly_Hopeful

Olderbutnotwiser wrote: »

:D:D:D
Can not stop smiling!
Light bulb moment Dec 08 with debt at over 42k (hangs head in shame!)
It's taken 5 years but as of Christmas Eve 2013 I'm now debt free:j
Could not have done it without this site so thanks to everyone involved:T
Next goal to be Mortgage free :eek:
Strangely enough even though Mortgage stands at 86k I think I can also attempt this in 5 years (life, job market, health etc willing) this is possible as I no longer have to pay off other debts:D:D:D:D:D

Congratulations. Great incentive re next challenge, that's my plan too when debt free. Love the mortgage overpayment calculator on here.


Good luck.


HHx

Motoko_2

LBM - September 2012 (my 3rd and final one!)


Debt at it's highest - £21,500.00 :eek:
Debt free date 23RD December 2013
Debt free wannabe and debt free diaries were amazing and the NSD challenge. The support on this site is incredible


Pearl of Wisdom - learn to live within your means, you don't actually need everything you want - £50 on shoes or £50 on your debts!
I do have a diary but I don't know how to link it!

mardiemare2008

a. Feb 2010
b. Debts at their highest £2750
c. Debt-Free Date 23/11/13
d. Your one perl of wisdom. - Lower OD's as you make payments
e. Which MSE guides helped you - Credit Scores
f. Which forum threads helped you - DFW Diaries and Savings Boards (So I could marvel at all the people saving thousands and say to myself. 'That will one day be me'

ianmak

Well I got here eventually!

a. The date of your lightbulb moment
August 2008. There had been signs beforehand (companies increasing interest on cards, loan consolidation) etc.
b. Debts at their highest
£39,147
c. Debt-Free Date
15 January 2014
d. Your one perl of wisdom.
Swallow your pride. Make the call. Be open and honest with your Creditors. Communicate and don't stick your head in the sand any longer!
e. Which MSE guides helped you
Any of the debt guides!
f. Which forum threads helped you
DMP Mutual Support thread. Helped me through the dark times, supported me when I had no-one close to turn to.

Hopelessly_Hopeful

ianmak wrote: »

Well I got here eventually!

a. The date of your lightbulb moment
August 2008. There had been signs beforehand (companies increasing interest on cards, loan consolidation) etc.
b. Debts at their highest
£39,147
c. Debt-Free Date
15 January 2014
d. Your one perl of wisdom.
Swallow your pride. Make the call. Be open and honest with your Creditors. Communicate and don't stick your head in the sand any longer!
e. Which MSE guides helped you
Any of the debt guides!
f. Which forum threads helped you
DMP Mutual Support thread. Helped me through the dark times, supported me when I had no-one close to turn to.

Many congratulations Ian, so pleased for you.


HHx

Time_to_face_the_music

ianmak wrote: »

Well I got here eventually!

a. The date of your lightbulb moment
August 2008. There had been signs beforehand (companies increasing interest on cards, loan consolidation) etc.
b. Debts at their highest
£39,147
c. Debt-Free Date
15 January 2014
d. Your one perl of wisdom.
Swallow your pride. Make the call. Be open and honest with your Creditors. Communicate and don't stick your head in the sand any longer!
e. Which MSE guides helped you
Any of the debt guides!
f. Which forum threads helped you
DMP Mutual Support thread. Helped me through the dark times, supported me when I had no-one close to turn to.

So good to see you here ianmak, congratulations on being debt free! :j

Thank you for all the amazing support you have given to the DMP & Mutual Support thread :T

Ellieseleven

Yes, Well Done Ianmak and ditto what TTFTM says - thank you for all your help and advice over the years

Ellie xx

National_Debtline

ianmak wrote: »

Well I got here eventually!

a. The date of your lightbulb moment
August 2008. There had been signs beforehand (companies increasing interest on cards, loan consolidation) etc.
b. Debts at their highest
£39,147
c. Debt-Free Date
15 January 2014
d. Your one perl of wisdom.
Swallow your pride. Make the call. Be open and honest with your Creditors. Communicate and don't stick your head in the sand any longer!
e. Which MSE guides helped you
Any of the debt guides!
f. Which forum threads helped you
DMP Mutual Support thread. Helped me through the dark times, supported me when I had no-one close to turn to.

Congratulations from all of us here at NDL! - David.