Debt Free as of next Friday!!

HampshireH

Rstar said:

Thanks Folks, only 2 days to go!!

To answer a few of your questions:

I had actually planned to pay everything off by April but last November had a moment of weakness and bought a new guitar. Which set me back a little. I knew I was dedicated to paying it off at this point, so had altered my spreadsheets and worked it out first.
In terms of paying it off, there were no bonuses, I just cut down all my monthly outgoings, cancelled things that I really didn't need and was then able to put nearly 80% if my wages towards paying it off each month. 
I focussed on the worst interest card first and then moved to the next. I also used balance transfers to try and stop interest where I could.

As I say, I am very lucky to have a well paying job, I know this helps massively but I have sacrificed a lot for 18 months regardless. I have lived with my dad to cut down on bills and haven't gone anywhere.
I wanted to get rid of my debt as soon as possible because I wanted to go travelling again (I built a campervan and want to do another trip around Europe). It's a horrible feeling coming home from a 3 month trip knowing you have so much hanging over you and that you instantly need to be earning. 

I am aware I have been very lucky. I know people have it far worse but you can only manage your own situation. It was a massive sacrifice to put 80% of my wages into nothingness every month. You just have to commit and be organised!

Almost forgot..
As for my plans now, I am going to continue doing what I have been for 18 months. I don't need all the crap I had previously and will continue to take 80% of my wages out each month. Only this time, they will be going to my savings!!!
Hopefully by January, I should have enough to swan off to Europe for several months and not have to worry about coming back to a huge cloud hanging over me.

Congratulations

It will just be Covid stopping the travelling plans

Matt8888

As for my plans now, I am going to continue doing what I have been for 18 months. I don't need all the crap I had previously and will continue to take 80% of my wages out each month.
This is one of the best things about clearing debt! When I had debt I used to buy all sorts of expensive things I did not need and could not afford. Now, within reason, I can buy whatever I want, but I don't buy any of the wasteful things I used to. It certainly teaches the value of money and what you do and don't need. Well done for clearing it, and enjoy Europe!

DayDreamerandGeneralWaster

Massive achievement, well done!

I'm one payment away from being free from cc debt for the first time since l was 18. I'm now in my 40s 😳 but hey ho got there in the end.