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It took a long time but...
lidlest
Posts: 249 Forumite
Hello to all you, I am a full time lurker who rarely posts, but I read along a lot with you all and I am always wishing you well.
As of this morning when I did not go into my overdraft this month I am offically kinda debt free (I am not counting student loans). Paid off my last loans and credit cards last month and worked on not going into my overdraft.
In 2003 I never saw this day coming , I had various debts totaling £22,000, no job, low income - I am now debt free, with savings!
It's all about the budget and sticking to it, I was shocked at the amount I spent on rubbish. Seriously, by cutting out the problem spending (I rarely go shopping anymore unless it's online, impulse control) I can afford the payments on a new car.
Getting a job was a major factor, but reading this board taught me how to budget, spend wisely, not to waste. thank you all!
As of this morning when I did not go into my overdraft this month I am offically kinda debt free (I am not counting student loans). Paid off my last loans and credit cards last month and worked on not going into my overdraft.
In 2003 I never saw this day coming , I had various debts totaling £22,000, no job, low income - I am now debt free, with savings!
It's all about the budget and sticking to it, I was shocked at the amount I spent on rubbish. Seriously, by cutting out the problem spending (I rarely go shopping anymore unless it's online, impulse control) I can afford the payments on a new car.
Getting a job was a major factor, but reading this board taught me how to budget, spend wisely, not to waste. thank you all!
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Comments
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well done!!!Olympic Countdown Challenge #145 ~ DFW Nerd #389 ~ Debt Free Date: [STRIKE]December 2015[/STRIKE] September 2015
:j BabySpendalot arrived 26/6/11 :j0 -
well done!!
Be who you are and say what you feel because those who mind don't matter and those who matter don't mind.
Personal Finance Blogger + YouTuber / In pursuit of FIRE
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congratulations!!!!! its a wonderful feeling isnt it:)November NSD's - 70
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Well done to you.
Enjoy the freedom.
Bedhair0 -
Congratulations!
I hope you enjoy having the extra cash! Keep lurking/posting so you stay debt free. Personally I cant wait to start saving and have ISAs and other things I would have though useless 2 years ago.Debt Free - done
Mortgage Free - done
Building up the pension pot0 -
Congratulations. Just think, if you keep going at the same rate, you'll have saved £22,000 by 2011.0
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congratulations bet it feels good :j :j :jLBM July 2006 debt 1st August 20060
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Congratulations - make sure you post on the roll of honour!Total Debt 13th Sept 2006 (exc student loan): £6240.06 :eek:
O/D 1 [strike]£1250 [/strike]O/D 2 [strike]£100[/strike] Next a/c [strike]£313.55[/strike]@ 26.49% Mum [strike]£130[/strike] HSBC [strike]£4446.51[/strike]@15.75%[STRIKE]M&S £580.15@ 4.9%[/STRIKE]
Total Debt 30th April 2008: £0 100% paid off!
PROUD TO [STRIKE]BE DEALING [/STRIKE] HAVE DEALT WITH MY DEBT
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Congratulations and well done!
Thanks to MSE, I am mortgage free!0 -
Thats great Well done :T :T Jan 1st 07 Car loan £4830.46@12% Personal Loan £11,517@8% variable Overdraft £1500 July 2009Halifax-£0Debt free date 14th July 2009 :j0
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