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The Debt Free Roll Of Honour

edited 17 December 2018 at 1:03PM in Debt-Free Wannabe
1.9K replies 690.7K views
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  • 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
    Be who you are, not what the world expects you to be..:smileyhea

    :jDebt free and loving it.
  • OlderbutnotwiserOlderbutnotwiser Forumite
    665 posts
    Part of the Furniture 500 Posts Combo Breaker Debt-free and Proud!
    ✭✭
    :D: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
    LBM- finally kicked in 16/12/08 @ [strike]£41,862 [/strike] £0.00/ DFD- 24/12/13 :D


  • Hopelessly_HopefulHopelessly_Hopeful Forumite
    2.9K posts
    Debt-free and Proud!
    ✭✭✭✭
    :D: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
  • edited 9 January 2014 at 11:13AM
    Motoko_2Motoko_2 Forumite
    241 posts
    Debt-free and Proud!
    edited 9 January 2014 at 11:13AM
    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!
    DEBT FREE on the 23rd December 2013 :beer:
    :j :T
    Sealed pot 7 no 1894
  • 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'
    Member #179 -The 'Save 12k in 2014' Challenge £1740/£5000
  • edited 18 January 2014 at 11:17PM
    ianmakianmak Forumite
    1.1K posts
    Debt-free and Proud!
    edited 18 January 2014 at 11:17PM
    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.
    DMP mutual support thread No: 243

    Remaining unsecured debt: [STRIKE]Sept 2008(ish) £38550 :huh: Feb 09 £39147 :mad: Sept 09 £37164 May 10 £34652 Feb 11 £30768 (PP £29768) Apr 12 PP £22750.Jun 13 £17000 :rotfl: [/STRIKE] Jan 14 £0
    DFD...[STRIKE]July 2029 July 2019 Jan 2017 May 2016(ish)Feb 2016(ish) :j [/STRIKE] 15/01/14!!!
  • Hopelessly_HopefulHopelessly_Hopeful Forumite
    2.9K posts
    Debt-free and Proud!
    ✭✭✭✭
    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
  • 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
    LBM 10/1/12 ~ DFW Start 6/2/12: £82,344 ~ Now Zero
    :staradmin:starmod::staradmin Debt free 17th April 2015 :staradmin:starmod::staradmin
    Eternal thanks to the DMP & Mutual Support (no.439) and Payment a Day Threads
    Mortgage free 3rd July 2014 - Grateful thanks to the 2013/14 MFW threads
    "Debt is normal. Be weird!" Dave Ramsey
    Proud to have dealt with our debt :)
  • Yes, Well Done Ianmak and ditto what TTFTM says - thank you for all your help and advice over the years

    Ellie xx
  • National_DebtlineNational_Debtline Organisation Representatives - Private Messages may not be monitored
    8K posts
    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.
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
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