Help please! SOA Included

sammyjammy

That is so lovely, I don't remember your post first time round so just had a read, I love it when people come back to a post to update.  Congrats!

Iwantanewlife

Thank you sammyjammy!

monetxchange

This is great news! I started reading your thread from the start and was dreading getting to the up to date posts as it's usually "I ignored all the advice and ran up more debt" from returning posters, so this was so lovely to see. Well done!!!

Iwantanewlife

Thank you so much! The journey was bumpy, including running up more debt in the change of jobs, however learning the principles meant it was controlled and I finally got there! 

ZaSa1418

Iwantanewlife said:

I remember sitting in my office, at a job I hated, realising that I was about to be in real trouble with my finances. A single mum, with a good job, but poor credit history due to being completed uneducated about budgeting and general finances, I had made some really stupid choices. Not only had I made poor choices, but I had also made myself really stressed and completely unhappy with life. I spent weeks lurking on this forum, reading and learning, before I got the guts to write my own post admitting I had a problem. Enough was enough, and I was going to change my life (hence the profile name). 

A year on, I am like a different person. I have a new job, with a much higher salary, and more to the point I love it. I have learnt how to budget and how to understand financial products and making financial decisions. Every month I budget, working off the zero pound ethos. It works, and it works every time. 

So the reason for me to resurrect this old post is to announce, as of today I AM DEBT FREE!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!! My last credit card was paid off today, and not only have I cleared all my debts I also have £6,000 in savings. I really want to say a massive thank you to the members of this forum, I can honestly say without coming to you guys I would never of done it. 

For anyone who is starting their journey please keep the faith, please listen to the advice given. Even when its hard to hear or you feel like there is no hope. There is, and me and many others are proof of that. 

Thats amazing well done

PommeVerte

Congratulations !! Such a success story ! And what a great example you are now setting for your son, and other single parent families bravo ! 

Iwantanewlife

Thank you very much x

lynneee

Well done on being debt free 😊

MasterG83

I'm a big Dave Ramsey advocate, did you use this method in the end. I'm interested to know if you cut up your cards and closed your accounts etc ?
I have a way to go, paying child maintenance is my biggest expense but I've started my first snowball paid off and the amount is going to the CC above which is on zero percent. 

sammyjammy

Have now read all 72 pages of your diary, what a ride, you are one single minded person aren't you!  I wish I could be.  Hope things are better for your son, has he been at school during lockdown?