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I am Debt Free Official!!!

racer256
racer256 Posts: 580 Forumite
in Debt-free wannabe
Hi everyone,I have been in the background mainly reading everyone's Debt Diaries with great interest. I myself have been in debt of about £4000 at the very worst and I can't believe I got myself in that state!My LBM was in March last year when I got a letter from my Credit Card company stating that I had gone over my limit. I knew I had to do something. So I ebayed, Mystery shopped and did a second job to my hearts content.In January this year I received all of bank charges back and paid my Credit card off all £2500 of it with a balance transfer included.Today, Independence day I paid my loan off I don't owe a bank or credit company nothing! I am Independent. I have posted this thread to prove to people when the tough gets tough that it CAN be done. I am very proud of myself and will go and jump on the bed to celebrate (without breaking it). My next challenge is the Olympic Challenge going for Platinum. I will keep posting and reading threads/ debt diaries and offer support whenever I can.Thank you to everyone who has inspiried me. You can stick 2 fingers up to companies who rip honest hard working people off.LoveMaryellen
I am full of joy, abundance, wealth and love.
I am a money magnet. Money comes easily and frequently.
Canada excursion fund £1243/2500
£10000 from £100 challenge £0/£10,000
«13

Comments

  • LaraCroft_2
    LaraCroft_2 Posts: 60 Forumite
    racer256 wrote: »
    Hi everyone,I have been in the background mainly reading everyone's Debt Diaries with great interest. I myself have been in debt of about £4000 at the very worst and I can't believe I got myself in that state!My LBM was in March last year when I got a letter from my Credit Card company stating that I had gone over my limit. I knew I had to do something. So I ebayed, Mystery shopped and did a second job to my hearts content.In January this year I received all of bank charges back and paid my Credit card off all £2500 of it with a balance transfer included.Today, Independence day I paid my loan off I don't owe a bank or credit company nothing! I am Independent. I have posted this thread to prove to people when the tough gets tough that it CAN be done. I am very proud of myself and will go and jump on the bed to celebrate (without breaking it). My next challenge is the Olympic Challenge going for Platinum. I will keep posting and reading threads/ debt diaries and offer support whenever I can.Thank you to everyone who has inspiried me. You can stick 2 fingers up to companies who rip honest hard working people off.LoveMaryellen

    Well done to you MaryEllen. It must be a huge relief and you should be very proud. :T

    I am on that scary first step! :o
    lb moment - 3/7/7 :T
    Amount of Debt - £40k :eek:
    Proud to be dealing with my debts....but scared sh**less :o
  • Lucy1982_2
    Lucy1982_2 Posts: 4,611 Forumite
    1,000 Posts Combo Breaker
    Well Done you!!!

    I can't wait to join you, although I still have a long way to go. congrats and start saving now... and enjoy your money

    x
    Current debt - £16,300 :(
    Debt at worst 17/03/2011 - £18,067.62:eek::eek:
    :ANot going anywhere else, ever again :A
  • racer256
    racer256 Posts: 580 Forumite
    It can be done I promise, don't be scared theres a lot of support out there. Post your own thread and SOA and we will help you.
    I am full of joy, abundance, wealth and love.
    I am a money magnet. Money comes easily and frequently.
    Canada excursion fund £1243/2500
    £10000 from £100 challenge £0/£10,000
  • LJD1_2
    LJD1_2 Posts: 2,173 Forumite
    Well done, doesn't it feel great. It's only just sunk it for me and I just love it! Well done again xx
    January budget
    Nothing left!
  • southwester_2
    southwester_2 Posts: 639 Forumite
    Congratulations - Well done
    22/07/07 Debt - Tesco 17644 (6.1%) - Now 10500
    hsbc - 2000 - now 0 (12.9%) :T
    Halifax - 3500 now o(0%) :T
    Barclays - 1500 - now 0 (5.5%) :T
    ==================================
    Cleared 6th July 2010
  • LaraCroft_2
    LaraCroft_2 Posts: 60 Forumite
    racer256 wrote: »
    It can be done I promise, don't be scared theres a lot of support out there. Post your own thread and SOA and we will help you.

    I did my SOA and posted it yesterday. Scary!! :o:o
    lb moment - 3/7/7 :T
    Amount of Debt - £40k :eek:
    Proud to be dealing with my debts....but scared sh**less :o
  • cantcope
    cantcope Posts: 1,886 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Well done.

    It's posts like these that keep me going :T :T
    Last bet : 26th Oct 2006:j Debt free 25th Feb 2008:j Living "my" dream:T
  • flaura
    flaura Posts: 242 Forumite
    Debt-free and Proud!
    racer256 wrote: »
    Hi everyone,I have been in the background mainly reading everyone's Debt Diaries with great interest. I myself have been in debt of about £4000 at the very worst and I can't believe I got myself in that state!My LBM was in March last year when I got a letter from my Credit Card company stating that I had gone over my limit. I knew I had to do something. So I ebayed, Mystery shopped and did a second job to my hearts content.In January this year I received all of bank charges back and paid my Credit card off all £2500 of it with a balance transfer included.Today, Independence day I paid my loan off I don't owe a bank or credit company nothing! I am Independent. I have posted this thread to prove to people when the tough gets tough that it CAN be done. I am very proud of myself and will go and jump on the bed to celebrate (without breaking it). My next challenge is the Olympic Challenge going for Platinum. I will keep posting and reading threads/ debt diaries and offer support whenever I can.Thank you to everyone who has inspiried me. You can stick 2 fingers up to companies who rip honest hard working people off.LoveMaryellen

    Well done you - i'll be there with you in 21 days and counting !!!:T
    Lightbulb Moment - March 2004 :cry:
    Highest Debt: £16,896.00 :mad:
    :rotfl: Debt Free Date 25th July 2007 !!
    :j and still DEBT FREE
  • silkglade
    silkglade Posts: 559 Forumite
    CONGRATULATIONS HONEY - I HOPE YOU ARE FEELING PROUD, you should be :j
  • LookingAhead
    LookingAhead Posts: 4,633 Forumite
    Well done! :)
    Bank Balance: In the black for the moment.
    Sainsburys Loan: Cleared July 2010
    Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
This discussion has been closed.
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