finally getting on top can see light at the end of the tunnel

morgan78_2

started off dmp 3 years ago with cccs £42000total last year decided to go alone,

had 8 creditors have settled 7 of them only1 left £12000

Just opened a tin that we have been putting any notes we have spare and there was £1100 so this will be going into my isa with other savings and now have 4k so will be writing to last debtor to make a full and final.

This has been achieved through lots of overtime cutting back on bills, we have 2 young children but always have days out camping kids love it,

When first started thought I would be in debt forever but am feeling so positive and have receved loads of advice off ths site

bottleofred

Hi Morgan,

Well done on the final stage of becoming debt free. I hope your journey will help others to carry on and see the light at the end of the tunnel.

Red

massivedebts

Hi
Firstly, well done!
Secondly. what made you go it alone and leave CCCS and did your creditors have an issue when you did?
Thanks
MD

morgan78_2

because I wanted to offer full and finals thought it would be better, so rang each creditor andjust set up individual standing orders,
didnt have a problem at all, then with the money I saved from overtime etc just started from the small ones and settled them off, I thought going alone would be scary but it was fine had no problems at all

Butterfly

Fabulous work, well done you! Keep going, you can do it x

morgan78_2

will do I havelearnt so much since I started will never get in a mess again, wish I had joined this site ages ago, but I do believe what has happened has made me a better person and my marriage stronger, we have a bottle of moet ready for when that last debt is settled.

timefortea

I love a happy ending! Congratulations, you must have willpower of steel. Getting out of debt is hard, but I imagine that getting out of debt when you have children is even harder, what with them wanting things, and you wanting to give them the best, etc. Here's to your new debt-free life!

morgan78_2

thanks for the replies yes it aint easy but there are loads of things you can do for little money, ebay was a life saver as well because myjob
is basic and commission if i work hard I earn more so just put my head down and we have still had sun holidays etc so kids have always been happy

AlyBaly

Morgan what a great post , thank you. It can sometimes seem a never ending road to get out of the mess of debt but your post shows it can be done.
We have about a year to go now and its been a long 2 and a half years so far but like you I have learned so many lessons it has made me a stronger person.