The Debt Free Roll Of Honour

SavingSassy

Hi All,


I am so happy to say that I am now debt free!!!


a. The date of your lightbulb moment
May 2013 - when looking to apply for a mortgage!
b. Debts at their highest
About £13,000 but £9885 at lightbulb moment.
c. Debt-Free Date
28th February 2014
d. Your one perl of wisdom.

If you have a little wiggle room - be strict, but not too strict. I gave myself a budget for everything, but gave myself a little extra room in there - If had to spend the whole amount then that was okay, I wouldn't beat myself up about it - it meant I wouldn't need to go over the budget, but I also knew I could try and be stricter and save it for my debt - this probably spurred me on a bit more to see how much I could save!
e. Which MSE guides helped you
All of the debt guides!
f. Which forum threads helped you
So many!


I would like to say a huge thank you to everyone on here! I have learnt a valuable life lesson and I am hoping that I will never be in a situation where I am in debt again - after 10 years of being in debt,
It is a nice feeling to know that £300 a month will be staying in my account and not going to someone else!


Thank you again everyone!

trying_hard

a. The date of your lightbulb moment: March 2004 DMP from 2006
b. Debts at their highest: £52.500
c. Debt-Free Date: 4 March 2014
d. Your one pearl of wisdom: Don't have it unless you can pay cash for it. I will never have a Credit Card, store card, loan, etc ever again.
e. Which MSE guides helped you: Any of the debt guides!
f. Which forum threads helped you: Trash to Cash 2010,2011 & Pay all your debt of by xmas 2012,2013,2014.

Thanks to everyone on the boards. Lots of thanks to Stepchange who without their help, we wouldn't be where we are today.

To everyone still in the thick of it, you can do it and you will do it and when you get there..... don't ever go back! xxx

beanielou

The date of your lightbulb moment Was Feb 2006 when I found MSE.
b. Debts at their highest About £20,000!!!!
c. Debt-Free Date 3/3/14.
d. Your one pearl of wisdom.~~Every little helps~~chip chip & chip away.It can be done.Break it down.
e. Which MSE guides helped you
f. Which forum threads helped you~~ DFW was my friend
g. And if you had a debt diary on DFW, a link to it

I didn't have a DF diary but I have been around the DFW boards for a long time~in with the bricks!!

Although I am now DF I have further challenges to deal with.
I will continue to plod.

I managed the last wee bit with the help of a PPI payment paid to a close relative which they shared with me as I helped them get the refund.

Keep going all~you can do it.
As Martin says there is no debt problem that cannot be resolved~it may not be easy and it may not be quick but it can be done.
Thanks to all the great people I have met on MSE~ I salute you all.

skint_spice

Delighted for you Beanie:T:j:T - you are a source of support and comfort to so many of us with your wise words.

fermi

Congratulations Beanie. Lovely news today.

(Goes off to give MSE Badger a prod....)

beanielou

skint_spice wrote: »

Delighted for you Beanie:T:j:T - you are a source of support and comfort to so many of us with your wise words.

Thanks s s

fermi wrote: »

Congratulations Beanie. Lovely news today.

(Goes off to give MSE Badger a prod....)

:T & thank you for all your support along the way fermi:D

Nargleblast

Beanielou - brilliant news! I am so pleased for you!
Hopefully, in August next year, I will too be announcing my debt-free status....only 17 months to go...

Upsidedown_Bear

beanielou wrote: »

Thanks to all the great people I have met on MSE~ I salute you all.

We salute you :T
I am delighted for you - well done :T:T
Got you a badge until MSE Badger catches up

kazwookie

fermi wrote: »

Congratulations Beanie. Lovely news today.

(Goes off to give MSE Badger a prod....)

MSE badger is hiding in its sett away from all the rain we have been having!!:rotfl::rotfl:

Beanie well done x

fannyadams

SO PROUD TO HEAR THIS NEWS BEANIE! congratulations.