Thanks to this site I'm debt free after 5 years

Zerdi6

Well done!!! :j:beer:
I've been feeling quite down about my debts this past week or so and your post has given me a bit of a lift so thankyou

Dobbibill

A huge congratulations to you. You are an inspiration to many forum members and are living proof that crossing the finish line is achievable with hard work, determination and dedication. :T

I wish you all the very best for your future.

DB

Teacher2

What an inspiring story. What it has in common with all those who succeed in paying down debts are the following factors:-
-a 'lightbulb' moment of recognition of how bad the situation is
-a new sense of reality as opposed to the delusional world of spending beyond one's means
-a plan to follow
-the self discipline to keep going consistently through thick and thin.

I have also noticed that those who retrench successfully often have mutually supporting partners. They can also resist the siren-calls of friends who would lure them off the straight and narrow so have a few fibs they can tell the tempters.

I have a story from way back which illustrates how 'financial mind set' is the key to prudence. My sister and I were teenagers and I came home with a £30 student debt that I was working at a clothes shop to repay. My sister was solvent but had no money. She desperately tried to persuade me to go to the cinema with her as I had just been paid and she could borrow the money to go. I refused, paid back my debt and missed the treat. She borrowed the money and had the entertainment but nothing to show for after it but the debt. Years later I have savings and she, though earning three times what I receive, is always broke.

rockm87

congratulations!!!

Jagraf

Fantastic I'm crying here! I've just cleared mine. The hardest part was wine, takeaways etc.

But, the hugest part was saying no to friends and relatives who had more money - your whole social life whe you have to tell people "we can't go on holiday with you" or "no you can't all come for christmas lunch" or "we can't afford that restaurant"

I love lidl and eBay. Why would I spend more now when I don't have to?

Well done you xx

sunshinegirl66

This gives me hope.I will get there by December 2015 after 8 years of chipping away at it.Well done angiepops it must be a wonderful feeling and I can't wait to be there.

purdyoaten

angiepooos - I have just read your first debt related post and it was in March 2011! - which just makes your achievement even more remarkable! Well done - great inspiration to those who believe that there is no end in sight!

rosie51

You should be so proud, my last debt will be finished in Jan 15.
It has taken a long time, as pretty well most of it was my ex hubby. Been with my partner for 19 years and it has caused a few rows but we have worked through it and are very happy together.

Ellieseleven

Fantastic post and so inspirational! It's posts like yours that keeps me motivated and on track. I have had all the feelings that you have explained and at times paying debt back seems never-ending, seeing you and others reach the end of the journey gives me the motivation to keep going:T

Very well done and all the best for the future!

Take care
Ellie xx

PinotGrigio41

Fantastic post thankyou so much for sharing !

We still have a long way to go, but we are getting there , slowly but surely, but then we started with a mammoth £96K at LBM :eek:

£36K to go for us, and its stories like yours that keep us going on our bumpy journey to becoming DF ! xx