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.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
One year since last using credit
ferry
Posts: 2,017 Forumite
Well, it was one year yesterday that I last used credit to buy something. Just giving myself a pat on the back and posting to let you all know it can be done.:beer:
Merry Christmas to you all.
F x
Merry Christmas to you all.
F x
:j
0
Comments
-
Well done that's excellent." Your vibe attracts your tribe":D
Debt neutral
27/03/17 from £40k:eek: in the hole 2012.
Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
RYSAW17 £1900 2016 £2,535.16 2015 £1027.200 -
Well done, that's a great achievement. I'm constantly using it, paying it, using it, etc. etc. I keep saying I need to go to just a cash or debit card system but some of my credit cards offer cash back so I use the card but then instead of being disciplined to pay it off with the cash, I end up using the cash on something else. I'm going to try and do better.0
-
Well done, what an achievment! :T:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j:j0
-
Brilliant, well done. Stoppping use is the first step tp getting off the debt merry-go round! I havent added a penny iin debt since my LBM and using YNAB. Makes a huge difference.£1000 Emergency fund No90 £1000/1000
LBM 28/1/15 total debt - [STRIKE]£23,410[/STRIKE] 24/3/16 total debt - £7,298
!0 -
Well done ☺Still hoping that eventually money will grow on trees then we can all live happily ever after ☺
In the mean time we are 31k worth of debt but it is coming down slowly....:eek:0 -
Congrats Ferry,
I too now live within my means, and do not intend using any kind of credit again.
I have nearly succumbed on one occasion, and it was not a nice feeling, never again do I want to be "under the cosh", or at a creditors beck and call, my goal is to save for a new car, and to start putting money in my savings account, (had one for 30 years, never been able to save before) so we will see how that goes.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 -
Credit cards are useful for the extra protection they give eg when buying flights or buying large items. Just have to ensure you transfer the money across straight awayMortgage Free 20240
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 354K Banking & Borrowing
- 254.3K Reduce Debt & Boost Income
- 455.3K Spending & Discounts
- 247.1K Work, Benefits & Business
- 603.7K Mortgages, Homes & Bills
- 178.3K Life & Family
- 261.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.7K Read-Only Boards