Debt Reset....

Sun_Addict

Fantastic news and no doubt a huge weight off your mind 🥳👏

DancingInTheRain

Well done on clearing the debt and it's good you have options for income moving forward.

jwil

Congratulations on clearing the debt!  Great news

sunshine_raincloud

Congratulations on clearing the debt! A fantastic achievement. You must feel great!

southern_chick

Brilliant news well done xx

Blackcats

Fabulous achievement.  Good that you've still got some emergency fund too.

CRANKY40

Thanks all. I'm a bit concerned that I've paid the debt off using my boiler replacement fund but I'll cross that bridge when I come to it. Hopefully I can build it back up somehow. 

Baileys_Babe

Congratulations @CRANKY40

Of course, you will be able to repay yourself the boiler fund. 
1. Celebrate being debt free, maybe just a cup of tea and a biscuit, remember to reflect on why you wanted the debt cleared, what it feels like to not be in debt.
2. Have confidence in yourself that you can build up your savings 
3. Make yourself a list of all the things your can do to save money, make money (grow your own, meal planning, batch cooking, surveys..)
4. Write a statement of affairs 
5. Write a realistic budget 
6. Ensure your savings are pulling their weight and are earning decent interest.

I have ever faith you can and will repay the boiler fund.

sashybo

Brilliant that you’ve paid off the debt, I’m sure you’ll build the emergency fund back up. 

CRANKY40

Thanks @Baileys_Babe. I write my budget down every month and tick items off as they are paid. I've done that every month for the last 15 years or so.  I put money aside every month for Christmas and birthday presents. Likewise I've always batch cooked for the freezer. I've moved my savings to a better rate of interest.....I'm confident that I can stay out of debt now because I can't afford to be in debt. If I don't have the money for something now then I just can't have it. Simple as that.