This time tomorrow ...

So, this is it. My final loan payment will leave my bank in just over 12 hours and that will be it, I will be officially debt free.

And, with my hand on heart, I can officially say I wouldn't have done it without the support, kicks up the bum and brilliant ideas and inspiration from all the DFWers here!

So thank you one and all, you are all amazing and I will be lurking around to see how you get on.

S x

PS - Please don't make me go to the savers board, they just aren't as nice :rotfl:
I have enough money for the rest of my life... as long as I never have to pay for anything again!

Debt at LBM (2011) £7750. DFD 01/01/2013


  • Well done Sunshine :beer:

    What a fantastic way to start the New Year :T
  • Just stick around here - When I am debt free in 2014 I will be lurking on here everyone is so nice.

    I am sure they wont mind us kinda turning this into a DFW has turned into a SWB (Saver WannaBee) board LOL

  • jaxsmarjaxsmar Forumite
    445 Posts
    Tenth Anniversary 100 Posts
    This time tomorrow ....

    Well done
    Penny wise pound foolish. 366 days 1p challenge 2020 ✓ completed.🎉🎈No.13 366 days challenge 2021👍No.5 366 1p a day challenge 2022.🤪No.26 366 1p a day challenge 2023.
  • Congratulations and very well done :T

    There couldn't be a better time of the year to become debt free and go into a New Year with a whole fresh start :j

    Stories like yours keep us all inspired and on track :D
    LBM 10/1/12 ~ DFW Start 6/2/12: £82,344 ~ Now Zero
    :staradmin:starmod::staradmin Debt free 17th April 2015 :staradmin:starmod::staradmin
    Eternal thanks to the DMP & Mutual Support (no.439) and Payment a Day Threads
    Mortgage free 3rd July 2014 - Grateful thanks to the 2013/14 MFW threads
    "Debt is normal. Be weird!" Dave Ramsey
    Proud to have dealt with our debt :)
  • kerri_gtkerri_gt Forumite
    11K Posts
    Part of the Furniture 10,000 Posts Name Dropper Xmas Saver!
    Congratulations - this time next year we should be in a better financial position than we are now and I can't wait (although I know I shouldn't be wishing time away).

    What a fab start to 2013 for you x
    Feb 2015 NSD Challenge 8/12
    JAN NSD 11/16

  • edited 31 December 2012 at 3:16PM
    heartbreak_starheartbreak_star Forumite
    8.3K Posts
    Tenth Anniversary 1,000 Posts Combo Breaker Rampant Recycler
    edited 31 December 2012 at 3:16PM
    Yay!! Well done you!

    Stick around on here and encourage/mentor those of us still on the journey :)

    HBS x
    "I believe in ordinary acts of bravery, in the courage that drives one person to stand up for another."

    "It's easy to know what you're against, quite another to know what you're for."

  • Massive congratulations! I'm so happy for you xx
    Started again 25th December 2017
    Current tracking - £7,955.84/ £18,282.25 to pay off. (31.12.19)
  • SOT2011SOT2011 Forumite
    301 Posts

    There are a fair few of us newly(ish) debt free but still needing to keep a close eye on the pennies who stick around this forum.

    A lot of the challenges remain the same for most of us even when the debt is cleared, keeping to a tight budget, but this time trying to avoid going back into debt rather than clearing it. The savers board is, in my experience at least, for a group with much more disposable/saveable income than I have even though I have no debt payments (other than mortgage) to make these days.

    SOT x
    Debt Free since Nov 11 (ish) (except the £118000 mortgage :o) as at Jan 2013 but still hanging around DFW as I need to Stay On Track.

    "My dad used to say, 'You wouldn't worry so much about what people thought about you if you knew how seldom they did'." Phil McGraw
  • TiglathTiglath Forumite
    3.8K Posts
    Tenth Anniversary Combo Breaker Debt-free and Proud!
    Very well done - looking forward to my DFD (eventually) as well :)
    "Save £12k in 2019" #120 - £100,699.57/£100,000
  • nearlyrichnearlyrich Forumite
    13.7K Posts
    Part of the Furniture Combo Breaker Hung up my suit! Mortgage-free Glee!
    Great news Happy New Year
    Free impartial debt advice from: National Debtline or Stepchange[/CENTER]
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