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Debt Free Baby!

Well that's it, I've just made my last payment to my Virgin credit card. I can't quite believe I've done it and I've got spare cash left over. :j
It's been a hard year, I've not been able to do the things I wanted to, but it has been worth it. I never realised how my debt was affecting my moods but it hit me last christmas like a ton of bricks.:eek:
Now I'm ready for 2012, I have my spreadsheet sorted, a pot for my coins and a savings plan in order.:A
BRING IT ON!
Debt free as of 28/11/11 :j
Sealed Pot Challenge member #1449 £100.99
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Comments

  • fermi
    fermi Posts: 40,542 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Rampant Recycler
    Congratulations and well done. :T :j

    Don't forget to add yourself to the Debt Free Roll of Honour.
    Free/impartial debt advice: National Debtline | StepChange Debt Charity | Find your local CAB

    IVA & fee charging DMP companies: Profits from misery, motivated ONLY by greed
  • Well done! :T Really pleased for you :T
    Just keep swimming!
  • freebyfifty
    freebyfifty Posts: 3,189 Forumite
    Well done :beer: I am so pleased for you :T:T:T

    :j:j:j:j:j

    I love reading these posts, it reminds me that there is light at the end of the tunnel :)
    Free by Fifty
    Debt of the Moment -
    August NSD Challenge 14/15
  • May2013
    May2013 Posts: 423 Forumite
    Part of the Furniture Combo Breaker
    Huge congratulations :beer:

    Your name suggests that you had a very clear goal in your sights...well done on keeping the focus and getting the job done....as they say, there's no gain without a bit of pain ;)

    Wishing you a blissfully happy and debt free 2012 :T

    May xx
    LBM Aug '07 Debt [STRIKE]£52,615[/STRIKE] :eek: DEBT FREE Aug '12 :j
    Cap One CC £[STRIKE]5000[/STRIKE]/£0 - HSBC CC £[STRIKE]7500[/STRIKE]/£0 - HSBC Loan £[STRIKE]12,225[/STRIKE]/£0
    M&S CC £[STRIKE]11,500[/STRIKE]/£0 - Egg CC £[STRIKE]8750[/STRIKE]/£0 - Sains CC £[STRIKE]3000[/STRIKE]/£0
    HMRC £[STRIKE]3140[/STRIKE]/£0 - OD £[STRIKE]1500[/STRIKE]/£0
    Pay off ALL your debt by Xmas 2012 £14,128/£14,128 :j
  • well done! Clean slate for 2012!
    DFD September 2017
  • LAM2011
    LAM2011 Posts: 1,432 Forumite
    PPI Party Pooper Debt-free and Proud!
    Gosh well done for being so focussed - what a fab feeling! I love reading things like this as it really helps motivate me and help me keep focussed :D
  • natlie
    natlie Posts: 1,707 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    well done :)
    DMP 2021-2024: £30,668 £0 🥳

    Current debt: £7823.62 7720.52 7417.94
  • Thanks for all the well wishes, I couldn't have done it without the support from this forum. Good luck to all the rest of you on your journeys. I shall continue to lurk in here and offer advise where I can.
    Debt free as of 28/11/11 :j
    Sealed Pot Challenge member #1449 £100.99
  • Congratulations!!!

    Onwards and upwards.
  • Mort
    Mort Posts: 552 Forumite
    Part of the Furniture 500 Posts Photogenic Combo Breaker
    Congratulations
    Proud to have dealt with my debts, became debt free on 03/11/2011. Repaid £54,723.41 LBM May 2006.
    Debt Free Roll Of Honour #504
    Mortgage Free from October 2019
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