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Just Introducing Myself.

mophead
mophead Posts: 198 Forumite
in Debt-free wannabe
Another Debt free wannabe!!

I have been in debt all my adult life and hopefully next year will be the one i can finally say "I'm debt free!":beer: i really can't wait.

I'm currently on a DMP and things have been going well. I am going to start saving any spare cash into a savings account rather than make any additional payments to my CCCS and when the balances tally i will pay it off.

I'm going to make a real concentrated effort this year to make some extra money and i have already been inspired by some of you posts and challanges so i am feeling very motivated at the ,moment to make my final push on my debts once and for all.

So hello form me and i look forward to chatting with you all.

Regards Claire.

Comments

  • mjdh1957
    mjdh1957 Posts: 657 Forumite
    Part of the Furniture 500 Posts Photogenic
    Yay! Good for you!

    Hope you enjoy being debt-free - I certainly am.... [does little dance for joy]:j
    Retired in 2015.
    Moved to Ireland September 2017
  • Nuclear_Tom
    Nuclear_Tom Posts: 198 Forumite
    Good luck with it Claire!
  • SunderlandBlackCat
    SunderlandBlackCat Posts: 1,225 Forumite
    Welcome to the board

    Rather than wait until your savings pot equals what you still owe you could think about offering full & final settlements once you get to about 40% of that.

    http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=24_full_and_final_settlement_offers
  • beanielou
    beanielou Posts: 98,801 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hi mophead
    welcome to MSE 7 well done on almost being debt free.
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.     ***Keep plodding*** Out of debt, out of danger.
    One debt remaining. Home improvement loan. 20 months left.
  • taxi73
    taxi73 Posts: 20,815 Forumite
    Hi mophead and welcome
  • mophead
    mophead Posts: 198 Forumite
    rather than wait until your savings pot equals what you still owe you could think about offering full & final settlements once you get to about 40% of that.

    http://www.nationaldebtline.co.uk/england_wales/factsheet.php?page=24_full_and_final_settlement_of fers

    thanks for that definatley worth a try has anybody else had success with full and final settlements.
  • RoCas
    RoCas Posts: 3,929 Forumite
    1,000 Posts Combo Breaker
    Hi mophead - welcome to MSE and well done on all your hard work so far. Keep it up ... here's to being debt free :beer:
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