I've done it

debt_free_me

Congratulations! As a previous poster said, let us know how you did it. I can't wait to be debt free, must be a huge weight lifted and you must have a feeling of freedom. You are one of the many inspirations to all of us! :beer:

cantcope

How i did it? Sweat and tears mainly lol
Before i moved home i saved money by writing a diary of everything i spent and changed all my shopping habits so that i was cooking from scratch rather than buying ready meals. I also used all my luncheon vouchers from doing pinecone to go towards food.
I joined pigsback and used the boots vouchers i got for toiletries only ever buying bogof's. It did get very depressing so i "treated" myself to a magazine subscription using my tesco vouchers. My friends were all told how much money i owed which made it easier for me to explain why i couldnt go out or buy expensive gifts and luckily for me they gave me lots of girls nights in with games/wine/dvds etc
I sold loads of stuff on ebay including some old broken gold jewellery (amazing prices paid for scrap gold). And also did a few bootsales. I downgraded my car which in turn made my tax and insurance cheaper. I used some tesco vouchers to get RAC cover on the older car. It wasnt easy and at times i did want to give up.

When my folks suggested moving home i did that once my lease was up on the flat i was renting (last feb). This was my biggest sacrifice i think as i've lived alone for 7 years and couldnt imagine being back home. this free'd up a lot of my salary so i could pay the debt back quicker. I made sure i had enough money for at least one decent night out a month so that i wouldnt be tempted to chuck it all in and try and "win" a night out.

I go to GA every week and regularly keep in contact with the people there which is keeping me on the straight and narrow. Things will be tight when i first move out but I know i can cope with it as i've coped with far worse and it will be worth it to have my independence back. I know that my parents have been fabulous and generous letting me move back home and i will always be grateful for that. But i must admit i cant wait to move out again x

sparky0107

cantcope wrote: »

Thanks everyone. I've updated my Sig now what's the roll of honour?

The debt free roll of honour.
Congratulations on becoming debt free, thats what we're all here for good on you

:T :T :T

prophecy_grrl

Well done, you give the rest of us hope!

kizzykizzywizzy

Well done:T _party_ :dance: Enjoy your new debt free life - you've earned it

boredofbeingathome

Well done, a very heart warming story which shows it can be done. I have been talking to a student who is in a similar situation and i am going to post a link to this thread. I hope he will contact you.

G-G_4

what an inspiring story.. well done to you xx

cantcope

found my original thread. although i had posted about my debt before this, this is when i really bit the bullet and started to do something about it. It seems so desperate, i can remember the thoughts going around in my head that first day like they were yesterday

http://forums.moneysavingexpert.com/showthread.html?t=200472

alec_eiffel

Congratulations! Godd luck and enjoy the new flat.

debbiedebt

What an inspiration you are :A Have a wonderful debt free life you deserve it. :j :j