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I Did it! I'M DEBT FREE!!!!

24

Comments

  • dhassen
    dhassen Posts: 759 Forumite
    Well Done!!!!!!!
    :)
    Official DFW Nerd Club - Member no. 784 - Proud to be dealing with my debts
  • bank_of_slate
    bank_of_slate Posts: 12,922 Forumite
    10,000 Posts Combo Breaker
    Good for you!
    don't let the spare cash go to your head and start the spending again!
    Another MSE success story!
    ...Linda xx
    It's easy to give in to that negative voice that chants "cant do it" BUT we lift each other up.
    We dont count all the runners ahead of us & feel intimidated.
    Instead we look back proudly at our journey, our personal struggle & determination & remember that there are those that never even attempt to reach the starting line.
  • msmicawber
    msmicawber Posts: 1,962 Forumite
    Debt-free and Proud!
    Incredible - £30k in 2 years!!! Congratulations. It's a great feeling. You get yourself on the honour roll straight away as you deserve it.
    Debt at highest: £6,290.72 (14.2.1999)
    Debt free success date: 14.8.2006 :j
  • amazon_spice
    amazon_spice Posts: 1,639 Forumite
    Well done.
  • Bunnyinthelights
    Bunnyinthelights Posts: 15,278 Forumite
    Amazing result!
    Can you tell us how you did it?
    Empty pockets never held anyone back, only empty heads and empty hearts can do that -Peale
  • CHEAP_AS_CHIPS_4
    CHEAP_AS_CHIPS_4 Posts: 640 Forumite
    well done!!!!! that is a huge amount to clear in 2 years, how on earth did you do it????

    cheaps x
    total -nov07 [strike]£25,526[/strike] jan08 [strike]£23,246[/strike] May08 [STRIKE]£21,171[/STRIKE] June 08 £20,964
  • Fortheloveofmoney
    Fortheloveofmoney Posts: 410 Forumite
    Debt-free and Proud!
    Yep put myself on the roll of honour.

    Thanks guys, I've been away so long, I'd forgotten how supportive you all were.

    What's my secret? Snowballing and not being too strict with my budget.

    For years and years I have been trying to loose weight and ended up getting referred to a fantastic dietician. She showed me how to loose weight and keep it off by not binging and then purging. She told me that if I really fancied something then I should just have it. By changing my way of thinking I was able to loose weight and keep it off for the first time in my life. So I decided to be the same about paying off my debts.

    I allowed myself a realistic going out, spends and clothes budget each month and having this kept me on the straight and narrow. They were £50 clothes, £61 spends and £50 going out. Generous compared to a lot of others I know.

    Anyway, I allowed myself to borrow from these pots to pay for items from another ie if I spent £60 on clothes then my spend would reduce to £51 etc. Knowing these budgets were generous I never allowed myself to go over.

    This really worked for me, although I appreciate that not everyone has this choice.
    Debt at LBM (March 2006): £30,000 :eek:
    DEBT FREE SINCE APRIL 2008!!!! YIPPEEEEEE!!!!!
  • Fortheloveofmoney
    Fortheloveofmoney Posts: 410 Forumite
    Debt-free and Proud!
    hypno06 wrote: »
    Congratulations!

    Just make sure you stay debt free!

    xx

    Oh don't worry, I will! Never, ever going there again! I don't even have the urge to go and spend now like I did.

    The debte was all mine and I had it before I met hubbie to be. I was determined to pay it back before we got married so that we could start our future together without debt.

    Bless him, he has been saving hard and has the money put by for the wedding. I'm now going to be able to pay my share into the savigns account and I can't tell you how good that feels.
    Debt at LBM (March 2006): £30,000 :eek:
    DEBT FREE SINCE APRIL 2008!!!! YIPPEEEEEE!!!!!
  • EmptyPockets
    EmptyPockets Posts: 1,905 Forumite
    Congratulations on being DEBT FREE!!!!!!!! You must feel great today! Well done, your post has been inspiration and motivation for me and my hubby, currently on a DMP and striving to get it finished earlier than the estimated three years. Thanks for posting about your success, it's reminded me that there WILL be a light at the end of the tunnel :j

    EmptyPockets x♥x
    "Your life is what your thoughts make it"

    "If you can't bite, don't show your teeth!"
    :cry: R.i.P our beautiful girl Suki. We'll love and miss you forever :cry:
  • Fortheloveofmoney
    Fortheloveofmoney Posts: 410 Forumite
    Debt-free and Proud!
    EmptyPockets wrote: »
    Congratulations on being DEBT FREE!!!!!!!! You must feel great today! Well done, your post has been inspiration and motivation for me and my hubby, currently on a DMP and striving to get it finished earlier than the estimated three years. Thanks for posting about your success, it's reminded me that there WILL be a light at the end of the tunnel :j

    EmptyPockets x♥x

    There will be hun! Just keep going.
    xx
    Debt at LBM (March 2006): £30,000 :eek:
    DEBT FREE SINCE APRIL 2008!!!! YIPPEEEEEE!!!!!
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