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I have done it
Comments
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Just to answer the above posts. Yes £34k is a lot in 2 years. I thought it would be longer butI really hacked away at it- it meant no restaurants, coffee shops, cinema trips. I just threw every penny at my debt and got used to buying smart price. It wasn't a problem I was determined and my 4 children didn't complain.
I'm a freelancer so at times I'd have an income spurt and pay off a chunk. I used my online account and stayed in touch with CCCS every time the figures went down. If there was any extra money in -I attacked one card at a time. The worst was the 10k card but I chipped away constantly. Not sure if it was orthodox but I kept making additional online payments when I could.
I closed all my cards -I dont need them as I only spend what I have. I have one card with a small £500 limit and I always pay it off.
I already have a mortgage so now I will save every spare penny, put my tax aside and take holidays with the kids. I will still live very carefully.. this has been such a positive experience for me....LBM Nov 10 owing £34,043 - (DMP with Stepchange)
Finally debt free 14/12/12:beer:0 -
Well done you. x x What a fantastic example to set to your children. x x:heart: 'The time is now.'
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Just spotted this and had to post a great big WOW AND WELL DONE! That is impressive.
Good luck on your new debt free life :beer:
TMD xxDecluttering junk and debt in 2016
Debts - Vanquis £3500 1/1/16; DFD - when I'm dead with £100,000,000+ interest :eek: UPDATED Feb 2016 £2739.80; DFD June 2016 :j
Next - £1500 1/1/16 DFD about 10 years time. UPDATED Feb 2016 £1371.16; DFD July 2016 :j
THE GOAL IS TO HAVE NO DEBT BY THE END OF 20160 -
Whao! Thats amazing!
Well done
JCG
xx:smileyheaMarried on 20/07/2012! :smileyhea
:DBought my new car 11/08/12:D:cool: Save £12k In 2013 Num 009! £5502/£5000 :cool:
Save £12k in 2014 Num 22! £2131/£3000
Emergency Fund £00 -
This year we are off to the States in the summer..paid for in cash. I have my tax put aside and the bills are paid..We still have to live frugally if we want to have nice things but cash is King...LBM Nov 10 owing £34,043 - (DMP with Stepchange)
Finally debt free 14/12/12:beer:0 -
Wow I am in awe - I so hope that will be me in a few years time! Am I understanding right - on a DMP do you have to pay back the whole total of your debt?
Well done and enjoy your holiday - very much earnt I'd say!!MiMi66 ☺️
- DEBT FREE September 2022
Saving for home improvements and a holiday to see family in Australia.0 -
Enjoy your trip to the US, very well done in getting and all importantly staying debt free.ISA £1675
MiniMoohound savings £3685.86 :T Plus £3800 CTF 
'MrMoneyMuststache' my new hero, Martin Lewis my long time hero
Poacher turned Gamekeeper
Roadkill rebel No 52 Aug £1.34p Sept 24p Oct 5p Nov 5p Sealed pot Challenge No 403 £176.66(2014) :staradmin NOV NST No 200 -
well done you!!! that is amazing!!!!yes i have 6 kids by two different fathers, but Im the parent that is there for them ALWAYS!! :A0
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