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I did it, I'm debt free

2

Comments

  • ShakeItOff
    ShakeItOff Posts: 443 Forumite
    Ninth Anniversary 100 Posts Name Dropper
    That is really great! Congratulations!
    Natwest OD - Start: £1,500 Current: £1,500 |  Creation Loan - Start: £2,152.33 Current: £2,082.90  |  Barclaycard CC - Start: £5,242.42 Current: £5,416.45  |  Novuna Loan - Start: £8,598.43 Current: £8,366.04  |  Tesco CC - Start: £9,420.22 Current: £9,885  |  Northridge Car - Start: £15,584 Current: £15,017

    Starting total on 02.07.2024 is: £42,497.40  |  Current total: £42,267.39 (0.5% paid off)
  • dirtycredit
    dirtycredit Posts: 179 Forumite
    Ninth Anniversary Debt-free and Proud!
    Brilliant! Well done you! :T:T:T
    LBM-November 2019 - Total Debt £28,000/PAID!
  • another_casualty
    another_casualty Posts: 6,506 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Congratulations in doing a fantastic achievement ;)
  • looby1975
    looby1975 Posts: 400 Forumite
    Debt-free and Proud!
    Thanks everyone :)

    I'm already saving the monthly payment, it's not a massive amount but it's going to add up each month. I never want to get into such a situation where I have to rely on credit cards etc again so it's going to be nice to have a decent buffer zone in the future.

    I might treat myself to some snow fairy shower gel from Lush while it's out for christmas though ;)
    I'm not an AE I'm just an idiot who forgot to update email details, went away for a bit and then tried to come back after the old laptop died :o:rotfl:
  • crazy_cat_lady
    crazy_cat_lady Posts: 7,063 Forumite
    Eighth Anniversary 1,000 Posts Name Dropper Photogenic
    Well done and congratulations. I got the same card this morning too - and for only the second time in the month since I finished paying I felt really excited. It's a brilliant feeling :D
    Not giving up
    Working hard to pay off my debt
    Time to take back control
    https://forums.moneysavingexpert.com/discussion/6290156/crazy-cat-lady-chapter-5-trying-to-recover-from-the-pandemic/p1?new=1
  • Newlywed_Saving_Ninja
    Newlywed_Saving_Ninja Posts: 237 Forumite
    Well done, this is so amazing. You are so inspiring, to stick with it over 8 years is truly brilliant and you should be proud of yourself.
    Co-op loan: £2672.38. :eek: £2886.64 / £5559.02
    HF's B'card: £2468.00 0% until November '17 _pale_ £255 / £2524.00
    HF's FD Loan: £5467.78. :eek: £918.72 / £6386.52
    Total: £5376.62 / £15814.78 33.99%
    http://forums.moneysavingexpert.com/showthread.php?t=5344322
    Emergency fund - £53.24 / £500 No. 108 in PYDOXMAS16
  • looby1975
    looby1975 Posts: 400 Forumite
    Debt-free and Proud!
    crazy_cat_lady wrote: »
    Well done and congratulations. I got the same card this morning too - and for only the second time in the month since I finished paying I felt really excited. It's a brilliant feeling :D
    It is isn't it :) When the envelope came through the door I thought it would be just paperwork but when I opened it an saw the huge contratulations I had a grin from ear to ear.

    I couldn't have done it without this board and stepchange.
    I'm not an AE I'm just an idiot who forgot to update email details, went away for a bit and then tried to come back after the old laptop died :o:rotfl:
  • Onmyway2
    Onmyway2 Posts: 275 Forumite
    Part of the Furniture 100 Posts Combo Breaker Debt-free and Proud!
    Wow! Congratulations on all your hard work. You should treat yourself a little bit before you go on your next financial journey (Saving/Mortgage/insert idea here).


    I can't wait to put up a similar post. Thanks for sharing.
  • tealady
    tealady Posts: 3,856 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Looby enjoy your snow fairy. Congratulations, and thanks for such an inspiring post
    Find out who you are and do that on purpose (thanks to Owain Wyn Jones quoting Dolly Parton)
  • peteuk
    peteuk Posts: 2,182 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Well done, hopefully I will not be too far behind you!

    Great to spend Xmas knowing your debt free....
    Proud to have dealt with our debts
    Starting debt 2005 £65.7K.
    Current debt ZERO.
    DEBT FREE
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