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62k debt it's finally over
broke101_2
Posts: 12 Forumite
Well I am sitting here crying. I have just paid off my last debt. I don't think it has sunk in yet.
It can be done with the help of this board.
I can't believe the interest I must have paid over the past 5 years. Just too scary to calculate.
I bet I can get a zero percent card now which I couldn't get when I needed one desperately!!!!!! They can stick it now.
I am actually scared to spend anything now I just keep thinking that there will be another letter drop through the door saying I owe more.
If anyone is reading this just remember to never ignore letters or not open them and call the banks. That was some of the great advice I read here :j:j
Thank you all. Even though I didn't really post I read all the threads and you made me not give up.
It can be done with the help of this board.
I can't believe the interest I must have paid over the past 5 years. Just too scary to calculate.
I bet I can get a zero percent card now which I couldn't get when I needed one desperately!!!!!! They can stick it now.
I am actually scared to spend anything now I just keep thinking that there will be another letter drop through the door saying I owe more.
If anyone is reading this just remember to never ignore letters or not open them and call the banks. That was some of the great advice I read here :j:j
Thank you all. Even though I didn't really post I read all the threads and you made me not give up.
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Comments
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Well done, it can be done, its not easy, but it is possible. !!I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter0
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Congratulations, what an awesome post
Enjoy being debt-free
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 -
Congratulations! That is a HUGE achievement, well done
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Flag up a news story: news@moneysavingexpert.com0 -
Congratulations!Emergency Fund - £8572.39 / £10,000 :: Mortgage OP 2025 - £LISA 24/25 - £3200 / £4000 :: NSD 2025 - 2 / 150 :: Books Read: 1 / 52 :: Decluttering - 4 / 1000Engaged 9th December 2010 :: Married 29th October 2015 :: Bought a House 13th January 20170
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Amazing! Congratulations!!Total Starting Debt August 2014- £38,061
Current Debt- £3600
Mortgage Offset Savings- £600
90.5% paid off so far...0 -
Congratulations. Enjoy the feeling when it sinks in. Stories like these help to keep others going so thank you for your post.1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%
[STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.0 -
Wow, that was a serious amount to pay off. Well done. I bet you must feel so free now.0
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Huge congratulations broke101!
Don't forget to post on the Debt free roll of Honour and let us know what you do nextCould you do with a Money Makeover?
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Just wanted to say lovely news.. Many happy congratulations!!I realised I was a debt free wannabe in January 2014..:o
Staying positive..:oPlugging away every month..:o
Will be debt free by February 2015!
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Well done broke101, great achievement.
Methinks you will need a new user name...
DennisWe work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps0
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