2 and a half years in and I am finally under 20k!

birkee

Thats a wise bit of advice you've glossed over there!
There is nothing more motivational than a target to aim for!
Waiting for a lottery win means misery.

Well done!! (What's the next target? 15k? 10k?)

secretshopper75

Well done, an inspiration to us all

dudley3012

Well done
These stories make it all worth it
For my part it is the first time in three years that we have had a council tax and water bill without any previous arrears on them, so all good there

Fedupofbeingindebt

Well done to all of the posters on this thread :beer:
I've found all of your journeys very inspiring. This site has helped me immensely to keep on the straight and narrow since my light bulb moment

odydog

Well done to you all,amazing achievment,this is where i want to be! Currently with a debt management and do not seem to be getting very far,poor communication,i asked the other day what would happen if i wanted to approach the creditors directly,the response i got was "why would you want to do that".. well done guys x

Deep_In_Debt

Well done to everyone!

I've managed to drop quite a long way below 20k - started 3 years ago with 27k and now down to 13k so hopefully will be debt free in just less than 2 years. Originally it was estimated it would take me 9 years so I'm pleased that my hard work of throwing money at my debts has paid off. If I have my way I intend to be debt free a lot sooner than 2 years.

It's been a hard slog but worth it and has taught me valuable lessons - that I don't need credit and if I don't have the money, then I can't spend it and only spend money on the things I need and not want. Most of all, it's lovely seeing my bank account in credit just before payday even if it is only by a few quid.

Hopefully when I'm debt free, I shall be able to save the money I was paying into my dmp and build myself a nice little amount quite quickly so I won't need credit.

lazydaysandmondays

???????????

ElmerFudd

Wow. That's excellent news. Inspirational and gives hope to all of us

dreamdreamer

Most of all, it's lovely seeing my bank account in credit just before payday even if it is only by a few quid.

That is, for me, THE biggest bonus. Makes me literally grin at my online banking! It pleases me immensely that Lloyds don't get a penny of interest or charges from me anymore, after making a hellish few years (financially and otherwise) even worse. Cancelling my overdraft facility has been the best financial decision I ever made, even better than cancelling the credit cards!