We're aware that dates on the forum are not currently showing correctly, and that mobile users may see some extra spacing between threads. Please bear with us while we get this fixed.
We'd like to remind Forumites to please avoid political debate on the Forum. This is to keep it a safe and useful space for MoneySaving discussions. Threads that are - or become - political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
We're aware that dates on the Forum are not currently showing correctly, and that mobile users may see some extra spacing between threads. Please bear with us while we get this fixed, and see Site Feedback for updates.
Nearly there - nearly debt free!

malefic
Posts: 49 Forumite

I know I don't post here a lot but I have to post today to say a big thanks to everyone who has offered advice to me along the way.
I have had credit card debts and a 10k loan for about 10 years thanks to being stupid in my younger carefree days. That debt followed me into marriage and kids so times have been tough, especially with a mortgage as well (luckily I got the mortgage back when the banks were handing them out like sweets, not sure how but there you go!)
As of April 2015 my credit card and loan will be gone, after about 8 years of trying. Things have been tight for us all putting spare money into the debts and taking advice from people here. Before I came here I didn't even think of bouncing round 0% cards so thats been a big player and I don't think in the last 8 years I have paid a penny of interest on my cards!
The countdown is on, and maybe next April I will take a portion of what I save on those bills and push it into the mortgage to pay it off a bit quicker.
Anyway, just a happy thank you post for giving me motivation to make things easier (in the long term) for me and my family!
Have a really good day where ever you are and remember, if I can do it, anyone can!!
M
I have had credit card debts and a 10k loan for about 10 years thanks to being stupid in my younger carefree days. That debt followed me into marriage and kids so times have been tough, especially with a mortgage as well (luckily I got the mortgage back when the banks were handing them out like sweets, not sure how but there you go!)
As of April 2015 my credit card and loan will be gone, after about 8 years of trying. Things have been tight for us all putting spare money into the debts and taking advice from people here. Before I came here I didn't even think of bouncing round 0% cards so thats been a big player and I don't think in the last 8 years I have paid a penny of interest on my cards!
The countdown is on, and maybe next April I will take a portion of what I save on those bills and push it into the mortgage to pay it off a bit quicker.
Anyway, just a happy thank you post for giving me motivation to make things easier (in the long term) for me and my family!
Have a really good day where ever you are and remember, if I can do it, anyone can!!
M
Thanks to advice from people here I am debt free - thank you to you all! Now working on the mortgage!
0
Comments
-
Count down to success - then over to the Mortgage Free Wannabee board! http://forums.moneysavingexpert.com/forumdisplay.php?f=980
-
What a lovely post - well done and keep on moving - have a lovely day yourself!0
-
That's fantastic to hear, malefic! Keep going and hopefully MSE Badger will be able to award you with a Debt-free badge soon!
Follow the Forum on Twitter, Instagram and Pinterest
Join the MSE Forum
Get the Free Martin's Money Tips E-mail
Report inappropriate posts: click the report button
Point out a rate/product change
Flag up a news story: news@moneysavingexpert.com0 -
So exciting! I can't wait to be able to post that I am so close.
Well done malefic - look forward to seeing your proud post in April!Life isn't about waiting for the storm to pass...it's learning to dance in the rain.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 348.3K Banking & Borrowing
- 252.1K Reduce Debt & Boost Income
- 452.4K Spending & Discounts
- 240.9K Work, Benefits & Business
- 617.1K Mortgages, Homes & Bills
- 175.6K Life & Family
- 254.1K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 15.1K Coronavirus Support Boards