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Finally Debt Free!!
Hatecreditors.com
Posts: 119 Forumite
After a 4 and a half year slog I’m finally debtfree!
Before I started my debt management plan Ithought I’d be forever in debt (stuck in a rut paying minimum payments offcredit cards, robbing Peter to pay Paul etc). Even when I started my Debt Management Plan back in 2009 I still thoughtI’d be forever in debt. I actually onlystarted my DMP really to reduce the monthly payments.....and now I’m here!!
So as encouragement to others in debt crisistry your best not to worry, there is light at the end of the tunnel (even ifthat tunnel seems too far away).
My only regret I have is not forcing all myaccounts into default. If I had, all my distressedaccounts would drop off my credit file next year. Anyway that’s another story.
Time to enjoy my disposable income!
Debt at Start of DMP in October 2009 - £45,000 :mad:
Debt in March 2014 - £0.00 :beer:
Debt in March 2014 - £0.00 :beer:
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Comments
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p.s sorry about some of the words being joined up! My browser is doing this for some reason :mad:Debt at Start of DMP in October 2009 - £45,000 :mad:
Debt in March 2014 - £0.00 :beer:0 -
Massive well done to you! Must be an amazing feeling. Such an inspiration to the rest of us! x0
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Well done to you. It must feel great!PAYDBX 2016 #55 100% paid! :j Officially bad debt free...don't count my mortgage.
Now to start saving...it's a whole new world!!0 -
Nice work
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."
#Bremainer0 -
Well done mate !
I congratulate on getting DF and for realising you had a problem that needed to be resolved.
I got DF last June , and on Monday I am going on holiday , paid with the free cash that I have now, and I am going to enjoy myself !.
Once again - well done !
:beer::beer::beer::T:T:T:j:j:j:beer::beer::beer:0 -
Well done you and all the best for you and your family,you deserve it......:beer:0
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Huge well done, had my final LBM today and determined to get debt free, nice to see it is possible
Total Debt at LBM (12/11/14): £5620 £20 paid £5600 by Nov 2016 to go!
"Sealed Pot Challenge" member No. 1010 - Jar is growing! 0 -
Brilliant news. Now save for an indulgence. It doesn't have to be big but you really need to mark this.Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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Amazing news! And what a sum you have paid off! Well done and enjoy your new debt free status
DDxStarted again 25th December 2017
Current tracking - £7,955.84/ £18,282.25 to pay off. (31.12.19)0 -
Brilliant work - wow £45k in 54 months - enjoy your disposable income indeed!
I hope you are able to now put that toward something you really want to do/some where you want to be!Life isn't about waiting for the storm to pass...it's learning to dance in the rain.
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