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Nearly Debt Free

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  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    jimmy900 wrote: »
    Very many congrats lambda, your approach puts my juvenile response to personal finances to absolute shame.

    I see many parallels with how we acquired and continued the debt cycle but my running away and your taking ownership is really inspirational.

    Big respect.

    Now THAT is one of the most positive posts I've read today. Well done Jimmy.
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • sourcrates
    sourcrates Posts: 31,516 Ambassador
    Part of the Furniture 10,000 Posts I've been Money Tipped! Name Dropper
    EssexHebridean wrote: »
    Now THAT is one of the most positive posts I've read today. Well done Jimmy.

    Ain't it funny how things turn around sooooo quickly !!!!
    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-letter
  • MrsTinks
    MrsTinks Posts: 15,238 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker Name Dropper
    jimmy900 wrote: »
    Very many congrats lambda, your approach puts my juvenile response to personal finances to absolute shame.

    I see many parallels with how we acquired and continued the debt cycle but my running away and your taking ownership is really inspirational.

    Big respect.

    I'm really glad to see you post that jimmy :)

    I'm no fan of paying off debts that are owned by the lowlife companies - it was your "I have no intention of paying it" comments that upset a lot of people. Some on here have been around for years repaying their mistakes so the attitude of "not going to" riles a lot of us.

    The "I can't!" would have garnered you a completely different response on DFW, and probably a lot more help? :)

    OP - YAY well done you! Thats a huge effort but what a relief to be debt free after such a relatively short time! Not without a massive amount of work I know, so the short time is entirely down to your efforts :) :T
    DFW Nerd #025
    DFW no more! Officially debt free 2017 - now joining the MFW's! :)

    My DFW Diary - blah- mildly funny stuff about my journey
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    sourcrates wrote: »
    Ain't it funny how things turn around sooooo quickly !!!!

    The DFW effect! :D
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • enthusiasticsaver
    enthusiasticsaver Posts: 16,054 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Well done Lambda. Saving for wedding now are you?
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment 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.

    The 365 Day 1p Challenge 2025 #1 £667.95/£162.90
    Save £12k in 2025 #1 £12000/£7000
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