LBM: August 2006 - £12,568.49 —— DFD: 12 March 2012
MFD: 30 March 2019
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I’m officially debt free now,
sim2335
Posts: 588 Forumite
Other then my student loan, which will come out to my wages.
My credit file is clear and all debts paid off even ones not on my file that I was still paying, my credit score is excellent last miss payments of 2 or more was March last year
Even though most debt was loan to help brother I didn’t see a penny, and other money lost through be manipulated and harrsed by a gambler it’s ALL cleard now and brother is paying back slowley and gambler blocked.
Payment was made withdrawing my savings early from sharesave was about 10500
Now I can save 940 a month, as I have no debt, and have 2500 saved already.
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Comments
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Thats great news, freedom
new diary august 2021
2021 Overpayment £0/£1,5001 -
Well done! It’s a great feeling, isn’t it?Good luck on building up your savings again»The road to DF is long and bumpy » Greensaints0
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Thanks amazing, and it was so horrible seeing my wages used on debt and intrest.
already got 3600, and going 940 a month so should build up a good amount for house.2 -
Have you posted in the debt free roll of honour yet? 😊sim2335 said:Thanks amazing, and it was so horrible seeing my wages used on debt and intrest.
already got 3600, and going 940 a month so should build up a good amount for house.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts 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.
Debt owed;Salad Money - £616.47/£1200 JAJA - £679.70/ £900 Zable - £338.60/£1300 = £1,634.77
Time to start a fresh. — MoneySavingExpert Forum
Time to start a Fresh part 2, 2022! — MoneySavingExpert Forum
New fresh diary for 2023! — MoneySavingExpert Forum
https://forums.moneysavingexpert.com/discussion/6494873/fresh-diary-for-2024#latest
https://forums.moneysavingexpert.com/discussion/6577209/fresh-diary-for-2025/p1?new=10 -
Great news, hope you get the student loan smashed just as quickly, my debt free date is July 2023 but taking steps to ensure this goes a little quicker.Baby Step 6/7 . £16000 saved and invested. £47,000 deposit paid on new home DEBT FREE !!!
Currently Negotiating with HMRC !0 -
I'd suggest you don't tell your "friend".
Keep this as your own little secret, that makes you smile inside.
Well done!How's it going, AKA, Nutwatch? - 12 month spends to date = 2.60% of current retirement "pot" (as at end May 2025)0 -
Congratulations! What a great feeling!Very (Shopping) £796.16 Paid in FULL as of 17/08/2021
Simply Be £1463 £1432 £1195.13 £801.02 £645.24 Paid in FULL 30/09/2021Likely Loans £2465.73 £2191.76 £1917.79 Paid in FULL May 2022
Overdraft £500 Paid in FULL Jan 2023
PayPal Credit £566.53 Paid in FULL Jan 2023
Total debt £5824.89 at the very start of DFW Journey.
Current debt £5,028.73 £4997.73 £4384.31 £3990.20 £3823.06 £2260.37 £1066.53 £0.00
Debt added since start of journey £9000 (borrowed from partner for car)
Current balance of £8550 £8150 Paid in Full June 2022
My debt free diary:
https://forums.moneysavingexpert.com/discussion/6291011/debit-free-diary-starting-august-2021-target-may-2022#latest0 -
Great news, well done. What did you use track your progress repaying debt? Do you think an app that kept a track of your debt and your progress would have helped?0
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That's wonderful, well done! Enjoy saving all that money instead of it just disappearing into a debt hole Debt Pay-off
- Virgin £624
- Barclaycard £1804
Total £2428 / £3386
20%0 -
Feel so free having no debt, use to be awful when I would overspend and think that money could have gone to debt.
Didn’t use any tracker, lucky live at home, I would just pay of my outgoing and normal debts leave some money aside, for food for the month, and sometimes hoidlays but only for a day in uk.
rest Chuck into debt., then just withdraw work shares and paid it all off.
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