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It's been a long, hard slog...

... but I've finally made it. As my signature says, I hit rock bottom in December 2008 but today, after nearly 5 years, I am debt free. I must admit that it doesn't feel quite like I thought it would (no fireworks, no champagne) but it does feel good. I can't say I'm looking forward to a few hard years with a crappy credit rating but at least I'm on the right track. It took a lot of belt tightening, getting rid of a leech of an ex and selling my flat but I did it. Phew!

:j:T:j:T:j
Reality check - hit rock bottom on 15 Dec 2008 with unsecured debts of £29,136 and not enough money to live on

:j NOW DEBT FREE!!!! :j
:oI try to take life one day at a time but sometimes several days attack me at once :o
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Comments

  • mesci
    mesci Posts: 19 Forumite
    Debt-free and Proud!
    Well done Mupeteer! That is fantastic news!

    :beer: :T :j :T :money:
  • Many congratulations! :j:j:j:beer:
  • wow, well done, go and get yourself on the "debt free roll of honour" :):):)
    LIVE SIMPLY * GIVE MORE * EXPECT LESS * BE THANKFUL

  • Thanks for the post, :T, you've given me inspiration to know it does happen and there is an end in sight.

    :beer:, you deserve many kudos.
    Debt as of March 2018, £794 rent arrears £4273.7 debt, £900.70 in pay day loans, total £5968.40 :eek:. Total debt today £5968.40

    Rich people stay rich by living like they're poor. Poor people stay poor by living like they're rich.

  • ska1982
    ska1982 Posts: 62 Forumite
    Woop!!! :j
    CC [STRIKE]2771[/STRIKE] 1419
  • Fantastic well done xx
    Save £12k in 2014 #080 £0/£8,000.
    £2 savers club #53
    £365 in 365 days # 101 £1/£365


    Sugar free days 0/365
  • Well done of becoming debt free and wishing you all the best for the future

    Wisdom comes from experience. Experience is often a result of lack of wisdom.
  • *Foolish*
    *Foolish* Posts: 165 Forumite
    Well done!
    First DMP payment 10/06/13
    Debt Free approx Jan 2018
    Starting debt: £50,013 :eek::eek:
    Current debt £39,128.41

    :eek:
  • ladymay
    ladymay Posts: 1,126 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Congratulations!! You've done incredibly to achieve this :beer: xxx
    2019 Aim: Save £10,000
    Don't sacrifice what you want most for what you want now
  • Mupeteer wrote: »
    ... but I've finally made it. As my signature says, I hit rock bottom in December 2008 but today, after nearly 5 years, I am debt free. I must admit that it doesn't feel quite like I thought it would (no fireworks, no champagne) but it does feel good. I can't say I'm looking forward to a few hard years with a crappy credit rating but at least I'm on the right track. It took a lot of belt tightening, getting rid of a leech of an ex and selling my flat but I did it. Phew!

    :j:T:j:T:j

    Great stuff - I hit rock bottom in November 2011 when my ex left (I asked her to leave) at around £13k - now down to just under £6000! I know about the long hard slog believe me! She was a lot to blame for my/our situation - pressure from from a partner and even the best give in financially at times. But isnt it funny that as soon as she goes everything immediately gets better - there is no way I would have been down to this amount now if she was still here.

    I have really tightened my belt, control it all financially now and its paying off plus still having some sort of a life too - not fantastic but it will do for now.

    Minimum of 14 months to go but more likely 18 months/2 years circumstances permitting.

    Good luck to all on this thread - it can be done!
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