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I never thought this day would come!
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Lips_and_Lashes
Posts: 102 Forumite
Officially, as of yesterday, I am now debt free! :money:
If you're on your journey or just starting out, just go for it and don't stop. When I first joined MSE and started my debt free journey, I felt like this day was never going to come round. The weeks, months and years pass quicker than you think and making short-term sacrifices for long-term gains is what it's all about.
This journey has taught me so much about how to manage my finances. I budget for everything and I save what I can whilst still allowing myself to live.
Make a start. Do something. Seek help. Make a plan.
Your day will come!
If you're on your journey or just starting out, just go for it and don't stop. When I first joined MSE and started my debt free journey, I felt like this day was never going to come round. The weeks, months and years pass quicker than you think and making short-term sacrifices for long-term gains is what it's all about.
This journey has taught me so much about how to manage my finances. I budget for everything and I save what I can whilst still allowing myself to live.
Make a start. Do something. Seek help. Make a plan.
Your day will come!
I AM DEBT FREE!
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Comments
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Congratulations.... enjoy the moment, it feels great doesn't it. Don't forget to post on the Debt Free threadWell Behaved women seldom make history
Early retirement goal... 2026
Reduce, reuse, recycle .0 -
:T:T:T
Well done!!!PAYDBX 2016 #55 100% paid! :j Officially bad debt free...don't count my mortgage.
Now to start saving...it's a whole new world!!0 -
Huge congratulations!
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=10 -
Lips_and_Lashes wrote: »Officially, as of yesterday, I am now debt free! :money:
If you're on your journey or just starting out, just go for it and don't stop. When I first joined MSE and started my debt free journey, I felt like this day was never going to come round. The weeks, months and years pass quicker than you think and making short-term sacrifices for long-term gains is what it's all about.
This journey has taught me so much about how to manage my finances. I budget for everything and I save what I can whilst still allowing myself to live.
Make a start. Do something. Seek help. Make a plan.
Your day will come!
The easy part is now over, the hard part has just begun.
By that I mean staying debt free, good luck to you !!!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 -
Congratulations
!! 0 -
Congratulations.
Have to agree with Sourcrates though I found it easy to start slipping into old bad habits. Best thing I did was to have a "treats" budget (and sticking to it) so that it made me stop and think before I spent money on non essentials.Find out who you are and do that on purpose (thanks to Owain Wyn Jones quoting Dolly Parton)0 -
Very well done!
It's posts like this that give people starting out on their journey the optimism that there is an end.
Pat on the back to you.Pay all your debt by Xmas 2023 - #39 £2,570.09 / £12,000.00 (21.4%)0 -
Congratulations0
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Well done. Just shows if you stick with it you will get the debt paid off. As you rightly say, this board teaches you how to make the best of your money- budgeting, saving etc.Paid off the last of my unsecured debts in 2016. Then saved up and bought a property. Current aim is to pay off my mortgage as early as possible. Currently over paying every month. Mortgage due to be paid off in 2036 hoping to get it paid off much earlier. Set up my own bespoke spreadsheet to manage my money.0
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