We’re debt FREE!!!

loken152

12months wrote: »

Well done loken152, that's fantastic I haven't heard of Dave Ramsey so I'm away to look him up - I need all the help I can get as I start my own debt free journey.

All the best :wave:

I found Dave Ramsey very straight talking and to the point. There is loads of stuff on Youtube, he has his own channel what are recorded parts of his radio show and i highly recommend listening to him. When you here some other peoples stories on the show it is very scary how much debt some people are in. I am glad we complete this journey before i added more debt into our life.

PS thanks for all the nice comments everyone.

thegirlinthegreenscarf

That sounds great! Well done! I haven't heard of Dave Ramsey and unfortunately I have to go to work now so I won;t have time to google. Will check later.

Former_MSE_Andrea

Huge congratulations!!!

clearmydebts

Brilliant post. Well done!

StopIt

Congratulations for getting debt free. I bet it feels amazing doesn't it?


I will say this though, as it certainly not just you who will say it.

We where like any other normal family, we had credit cards, personal loans and car finance all were manageable

You were living beyond your means, but because it is so easy to see a monthly payment figure and forget not only that you're throwing money down the drain (interest payments) but if you're already borrowing to live, you're likely to continue borrowing as your expenditure is constantly above your income. The outcome of course hit you hard but I'm glad you sorted it.


Too many people don't see "manageable" debt as debt at all, and certainly don't take the time to calculate how much money they're paying to borrow, on top of the initial amount lent to them.


Once you have that 6 month safety net, you'll be confident that you can take any hit without hassle. And of course, with savings, you get paid for your money, not the other way around!

sunshinegirl66

We got into £37,000 worth of debt by December 2007.
There were various reasons this happened but my husband couldn't work since 2004 and I could only work part time.
But through sheer determination we have paid it all off since October 2016 and sacrificed all holidays,only weekends away to family.


It is such an amazing feeling and the worry is gone.
Never want to be in debt again.
Well done to everyone who sees it through to the end,it's not easy.

carlislelass

Congratulations, worth all the worry and tears

debbie_debt

Congratulations!

I can't wait to add myself to the debt free roll of honour, hopefully by the end of 2018 :j:j:j:j

fermi

Congratulations.

karenccs67

Congratulations on becoming debt free, we are following his Baby Steps plan and are on BS 4. I like watching the YouTube videos of his radio show and his daughters pod casts, Rachel Cruz, although the ads do my head in lol.