Debt free at last!!!!!!!!!!!!!1

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poppy52
poppy52 Posts: 186 Forumite
Debt-free and Proud!
in Debt-free wannabe
I have just paid off the last full and final offer - lousy offers but at least I am done with it all, 4 months before retirement.

I began my debt management plan with Payplan 7 years ago almost to the day - they have been a life saver. My partner and my mother gave me enough money to make final offers to 16 creditors. My credit record is wrecked but I don't care - wouldn't want any more credit anyway.

To those of you still in the midst of it all, it does get better, it does end and there is life after debt!!

:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j
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  • WantToBeSE
    WantToBeSE Posts: 7,729 Forumite
    I've been Money Tipped! Debt-free and Proud!
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    wow!!! Well done Poppy! I am really pleased for you. Cant wait to join you in being debt free, not long now for me!
    £10k of Debt

    Debt Free Diary https://forums.moneysavingexpert.com/showthread.php?t=6026621
  • HeadAboveWater
    HeadAboveWater Posts: 3,941 Forumite
    First Post First Anniversary Combo Breaker Debt-free and Proud!
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    Very well done :D :T
    Wealth is what you're left with when all your money runs out
  • Adoremouse
    Adoremouse Posts: 80 Forumite
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    Woooo!

    I love reading success stories, well done :j
    :hello: LBM - January 2009
    CCCS [STRIKE]£36,813[/STRIKE] £26,531.70 :)
    Picture [STRIKE]£32,000[/STRIKE] £30,106.73 :)
    Proud to be dealing with my debts!

     £10 a day challenge - October 2012: £158.31/£310
  • Learning2Budget
    Learning2Budget Posts: 1,092 Forumite
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    amazing well done.x
    LBM 2008 [STRIKE]£45,091.23[/STRIKE] eek: now £7889:T Debt free date 18/07/2018 :)
  • poppy52
    poppy52 Posts: 186 Forumite
    Debt-free and Proud!
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    The one thing I will not do is look back and worry about how I could have been so stupid in the first place or think about what I could have done with all the money that I have paid over the last 7 years! I want to put it all behind me and move on. I have managed to live without credit for 7 years so can continue without it. I am much better with money now. My main regret is how much worry it has caused me and my family, especially before I went on the debt management plan - sleepless nights, scared to answer the phone or open the post.

    My partner isn't here at the moment - perhaps I will treat myself to a Chinese takeaway!
  • mrs_motivated
    mrs_motivated Posts: 1,606 Forumite
    First Anniversary Name Dropper Combo Breaker First Post
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    Well done Poppy :T. It's a great feeling isn't it?

    Now look forward to a long and happy debt free retirement.

    Xxx
    Well Behaved women seldom make history

    Early retirement goal... 2026

    Reduce, reuse, recycle .
  • Mort
    Mort Posts: 552 Forumite
    First Post Photogenic First Anniversary Combo Breaker
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    Congratulations, I hope you got the Chinese.
    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
  • katy_ann
    katy_ann Posts: 1,088 Forumite
    First Anniversary Name Dropper First Post Photogenic
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    Well done Poppy! You definatly deserve that Chinese! x
    Debt free once - Back again | Current debt: £3002.96 - January 2023 | Currently repaying £50 a month - Estimated DFD Jan 2028 | Make £2023 in 2023 #51 - £33.75/£2023
  • Wimbledonpark
    Wimbledonpark Posts: 71 Forumite
    First Anniversary Combo Breaker
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    Very Well Done!!!
  • Hopelessly_Hopeful
    Hopelessly_Hopeful Posts: 2,868 Forumite
    First Post First Anniversary Combo Breaker Debt-free and Proud!
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    Congratulations and Well done

    What's the plan now?

    HHx
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