No longer a debt free wannabe...

PazDeLaHuertaFan

Congratulations naimone. :T:beer:

meow5678

Congratulations!

Jo3y83

Well done!!! :j
You have done amazingly well to clear that amount of debt in the time span that you have :T

I will be debt free in 5 months after 11 years of sitting in it and I cannot wait to feel what you do now

Congratulations!:T:j:T:j:T:j

:beer:

mummum2

Fantastic news! congrats and here to a wonderful debt free life to you and your Mrs!! :j:beer::T.

fantastiyk

That's brilliant naimoe!
Congratulations.

pheebs

Congratulations, very inspiring to those of us just setting out on our debt free journeys

Time_to_face_the_music

Congratulations naimone. I do love these inspiring success stories and can't wait until the day I can make a post like yours. Very well done :T

Ladybird.

Congratulations!! Definitely inspiring! :T

naimone

Thanks for the feedback you've all sent. Much appreciated.

Wasn't always the same way. I was a complete disaster financially when I met my wife. When we moved in together I gave her my bank cards and such because I knew I had to break my previous habits. Without her help back then, I am sure I would still be borrowing to "solve" my financial problems! Nowadays I can quite happily tell myself not to respond to every spending whim that passes between my ears. If it is something I really need, I always check to see if I can get it cheaper (QR readers on smartphones are a big help if you 're in the shops).

Ironically, the lousy interest rates have worked in our favour. When the fixed rate our mortgage ended our monthly payment dropped by over £400. That really speeded up the repayments over the last two years. Which reminds me... time to start reading the MFW forum.

sheilds

Wow! Well done-you should be very proud of yourselves-not only in your own achievements but also as an inspiration to others...

Take a well deserved bow.xxx:starmod: