Bring on 2013!!

Elmly

Hey everyone,
Just wanted to say how excited I am to be going into 2013 debt free :j
My debt this year has reached it's peak but after paying off £196.91 from my credit card and £97 to my parents with today's pay check I can how breathe a sigh of relief as I enter 2013 with no debt.
My debt was something that creeped up on me over the years. Started out with maxing a small overdraft of £200, then applying for my first credit card, soon maxing out that limit of £1500, then my overdraft slowly creeping up and up over the months reaching a peak of £1700, then needing money for necessary repairs etc on my car. My debt reached a peak of around £4500 and I was getting to the point wherein could remember the last time I had been paid and it went into the positive. :eek:
Thanks to the great forums here, my determination (and a nice £1300 inheritance that had been sitting in a trust fund for 8years) I have now made my final payments to all my debt and concentrate on my future saving!
To reiterate the title of This post......
:T BRING ON 2012:T

PollyOnAMission

Congratulations! You've done really well.
2013 should hopefully be the year that I pay off the rest of my debt; payments on 0% cards should be completed by the summer if all goes to plan. Hopefully this time next year I'll have that same feeling as you!

What will you do to celebrate?

Elmly

It's such a good feeling.. Just keep thinking how next time I get paid it is all mine! Feel like have so much spare money lol.
Just need to focus on the saving now and not slip back.
Looks like we both had similar amounts of debt so good luck in the next year and i will be looking forward to seeing you declare yourself debt free!:beer:

TakingControl

Well done and don't forget to add yourself to the debt free roll of honour :T:T:T

cookson

Congratulations Elmly! All the dedication has paid off.

Now just keep that momentum and put that into your savings, that's what I did when I got rid of my debt and I never looked back.

:beer:

Mort

Congratulations and good luck with the house deposit.