I have done it

plum44_2

I am debt free at last...I have paid off 34k and today I made my last payment...
I went on a DMP with CCCS/Stepchange 2 years ago who were brilliant and all interest was stopped which made a huge difference. I know there are so many questions about DMP's but for me there were no negatives it was all positive.
I did throw everything I had at my debt and it was at times miserable but I knew I couldn't give up.
At last I can have my life back...I cant believe this day is finally here.
Good luck to you all it is so worth it - I will still keep following everyone's journey.....Plum:money:

downnotout

Wow 34k is impressive, I think that calls for a bottle of wine and a take away tea! But remember you have worked so hard at it, don't fall in to the same trap again don't forget to add yourself to the debt free role call.

katy_ann

Wow well done chicken! Thats amazing, I cant wait to be in your position! x

moneypenny2k

Congrats, a real accomplishment. :beer:

sarah.dimples

Well done thats great. How did you manage to do it do you have any advice. My husband has around £60,000 i feel like we will never pay it off

Baggiebird1nil

Well done Plum! We to are now debt free. Best advice I can give is to take cash wherever you go. It's so much harder to let go of cash than to use your card. I have 2 purses now. A housekeeping purse and my spend purse. At the end of the month whatever I have left is put into a tin from the pound shop that you can't get into and whatever is left in my bank account goes into a savings account. Since being debt free we have been to Vegas and a couple of European holidays. All paid for in cash! Treat yourself for Christmas and then use your experience in 2013 to stay debt free!

Firewalker

Well done! Enjoy your debt free life.

Firewalker

plum44_2

Thanks everyone...Agreed cash is the answer...I'm long over Credit cards and try to keep family food spends to approx £5 a day.. Thanks for all your kind words x

hostie

well done :j
did you cancel each of your credit cards as you paid them off or did you keep them? how did you do it?

Footiemad_2

plum44 wrote: »

I am debt free at last...I have paid off 34k and today I made my last payment...
I went on a DMP with CCCS/Stepchange 2 years ago who were brilliant and all interest was stopped which made a huge difference. I know there are so many questions about DMP's but for me there were no negatives it was all positive.
I did throw everything I had at my debt and it was at times miserable but I knew I couldn't give up.
At last I can have my life back...I cant believe this day is finally here.
Good luck to you all it is so worth it - I will still keep following everyone's journey.....Plum:money:

Hi there

Just having a mooch around the boards and came across this.

A huge congratulations and very well done. What a way to look forward to 2013. Enjoy:T:T:T:T:T

tking

Many congratulations! Hope you have a relaxed a happy Christmas.

What are your plans for your spare cash now? Any future big ideas?

Good luck!