Nearly there.... don't give up

depressed_but_determined

I never thought I would say I was only 2 months away from being debt free but it's finally here. As you can see I joined the forum and discovered the amazing stepchange in 2009. It's been a long slog but I will finally be out of debt and able to look to the future.


I've checked my credit file and it's been steadily improving with every card and loan paid off. My defaults have dropped off and things are getting better.


I just want to say don't give up and for any newbies don't be afraid to start your debt free journey no matter how daunting.
I owed £36k when I started, my husband was so angry and upset with me but he has supported me all the way through and we might finally have our dream of moving from our flat to a house this year with my new found love of saving. I also have a trip to New York to look forward to in November and not one ounce of debt has paid for it. I've been using the credit union to save my wages and any overtime I have accrued.


I can honestly say joining this forum was the best thing that ever happened to me.


Thanks so much for all your help!


No longer depressed but still determined x

boobiebonboo

Well done! And a big congratulations to you. I cant wait till I near the end of my debt! It must be such a good feeling for you :-)

groovy_chick

Congratulations d_b_d, what a great feeling it must be after all this time!!!

I hope that this will be me by the end of this year - I have also been paying my debts off since 2009 :eek:

Enjoy your well deserved trip to New York!

Jo3y83

Well done and massive congratulations to you! You deserve all the good things that being debt free brings and I wish you all the best for the future.


My DFD is Dec 16 and I'm really excited about reaching it and finally being able to sleep properly and not worry all the time

FinallyGettingFree

Congratulations! You must have worked so hard to clear that debt - but it will all be totally worth it in 2 months!

I cleared my 11k debt last year and it feels amazing. I also learned so much about living frugally when I was clearing my debt that now I am saving a large proportion of my income every month now as well.

depressed_but_determined

Thanks for all the lovely replies. Only people who have been struggling with debt will understand how hard it is to make the changes.
I've applied to be a volunteer at the citizens advice bureau and should start in the spring. Really hope I can use my experiences to help others and give them the support that I had.
Big well done to each and every one of you xxx

Ellieseleven

Briiliant and Congratulations!


I know exactly where you are coming from, I'm a way behind you but hope to become debt-free by the end of 2016;)


Ellie x

dirtycredit

Love posts like this! Well done D&D! :T

Hope you have a lovely holiday.

Deffo change the username though!

DC x

Deep_In_Debt

Congratulations.

Well worth the hard slog in the end.

Enjoy your holiday - definitely something to look forward to and deserved after all that debt busting!

Debtfreedaydreamer

Hi!! Well done on such a huge achievement!
Thankyou for an inspiring post, its posts like this that keep me motivated to be debt free. 😊

lazer-zxr

Truly inspirational. It's posts like these that keep people like me focused. A few years left to go but I'm looking forward to eventually posting something similar.