Ive almost done it !!

Sammz

Great story. Well done you!

Snich

Congratulations.
Thanks for sharing. Can't wait til I only have £350 to go.
Snich

saverram

well done u are so determined adn done a good job. hope i can do that in next year.
Have a great Christamas and New year

LolStevo

Woohoo i work in Asda but am nowhere near you in the debt free race! haha more overtime for me i thinks!!! xwell done!

IainBUK

Thank you very much for your comments people

Im one of those people that if I want to do something, Nothing can stop me !!

LolStevo, I was working often 12hrs a day for nearly 18 months - Bloody knackering mate but its helping !!

Keep it up people - think of the long term goal !!

Merry Christmas to everybody x

IainBUK

IVE DONE IT

YAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAY

Can now go into 2007 debt free - owing nobody anything

well except for rent / bus tickets !!

Willsnarf1983

excellant mate!

Will

no_debts_no_more

Given that (with respect) working on a supermarket checkout is not going to be the most high-flying career around, paying off over £8K of debt in a year must really take some doing.

You can get a useable ten year old car for < £500 (mine's worth maybe £400 and works just fine, but then I'm reasonably handy, and have a relative who's a mechanic) and something really pretty decent, albeit ordinary for £3K. Given that you've managed to payoff that much debt in a year, then surely you can learn to drive, and pay for a car (and insurance as if you're a new driver this will be pricey), without taking out a loan.

You can probably ease off on the overtime if it's burning you out, and still do enough to pay cash. Why do an intensive course - it's not that cheap. Whilst you learn to drive the old fashioned way, you can work, build up your savings and when you've passed your test, hopefully the money will be there to byu a car.

I bought a brand-new (motor)bike for cash recently (good time of year to buy for bargain hunters), and it feels a lot better when your bank a/c doesn't to have a hole in the bottom, leaking money, when the loan repayment goes out every month.

However, given how much determination you've shown to change your life, perhaps you could look at some wider, less prosaic, life ambitions and how you might achieve those, it coming up to New Year and all that.

Tustastic

IainBUK wrote:

IVE DONE IT

YAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAY

Can now go into 2007 debt free - owing nobody anything

well except for rent / bus tickets !!

Absolutely brilliant. I bet the Bank of Mum and Dad are glad they invested in you. Have a wonderful Xmas and debt-free 2007.:)

LB1985

Iain - not only am I delighted that you're now debt free, but also very pleased that you took my advice and joined MSE! :j

PS: You forgot to mention your well-deserved holiday/break from your list of things to do in 2007!