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I'm there! Well, once the payment's cleared - DF at last!

So I've just come back from a night shift (a recent idea to tackle the debt through earning more dosh) so am a bit sleep deprived, emotional and excited. I should really wait till Tuesday to post this, when I'm hoping the payment will have cleared. But I'll have come off a raft of night shifts by then, so will be :rotfl:, :wall: and :drool: . Hence the reason I'm posting now.

Have just made my last payment on my last credit card! Two years and two months after my LBM (£7244.36, and I never forget the 36p!) I've made it. Back to 0. The weirdest thing is, almost 5K of that has been paid off between last October and now, after I realised I'd never be able to do what I wanted with my life if I didn't stop faffing about!! Which of course makes me what to :wall: thinking about if I'd been like that in March 06 instead of October 07, I could have been out of debt 18 months ago. But then hindsight is a wonderful thing isn't it!!

I just want to say thanks to all on here that have offered their advice and been a ruddy good laugh over the past few years, and obviously I'll stick around, cause I'm now obsessed, and I still have bank charges to reclaim, and savings account to check the interest on (savings account! A proper one that I don't just use as a second current account! :eek: Hurrah!) I'll wait and post on the roll of honour once it's all cleared on the online banking, but I couldn't possibly go to bed without writing one more rambly, smiley's gone mental post for old time's sake!! :rolleyes: :p:D
1st LBM (Pre-Career Change): 01 March 2006 Debt Free Date: 28 April 2008 | Worst Debt: £7244.36

2nd LBM: 10 December 2019 Current Debt £25,322 [April 2020] | Worst Debt: £27,444
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Comments

  • Congratulations and a huge well done! It is so inspiring to see people that have paid off their debt and gives us all that hope we need.

    So, start saving and enjoy life :)
    *Official DMP Mutual Support Club Member No 147*
    *Official DFW Nerd Club Member No 923*
    I have no idea what I'm talking about!
  • poppyoscar_3
    poppyoscar_3 Posts: 1,566 Forumite
    Mortgage-free Glee!
    i am so in awe of people who manage to clear debts!!!!!!:T

    well done - be proud!!:T

    po xx:T
    :D2010 MFW Challenge No. 112 Mortgage paid in full 27/08/10 I was MF!!!:D
    But now I'm not - (Joint) Mortgage £104704.
    New MFW target £5000 overpayments by 31/12/2105 £400/£5000 = 8%
    SAVINGS TARGET - £25000 by 31/12/2015 £13643/£25000 = 55%
    No 17 Lewis Lane
  • poppy_f1
    poppy_f1 Posts: 2,637 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    congrats :beer:
  • Fantastic News :T :T very well done :j :j

    The trouble is if you're like me I don't know what to do with myself now, so I have had to start my Rainy Day Savings, as I don't want to fritter money & I never want to be in debt again!!

    Enjoy the feeling:T :T :T :T :T :T :T :T :T :T :T :T :T :T :T
    Comping again - wins so far : 2 V festival tix, 2 NFL tix, 6 bottles of wine, personalised hand soap, Aussie miracle conditioner :beer:

    Married my best friend 15/4/16 :)
  • SPANIEL36
    SPANIEL36 Posts: 1,905 Forumite
    Congratulations
  • candyblue
    candyblue Posts: 640 Forumite
    Well done, excellent news!!
    £23366/ £39206.92 DFD Nov 2016
  • thepinklady
    thepinklady Posts: 1,459 Forumite
    A big congratulations, you must be feeling great at the moment.

    Enjoy being debt free!
  • nimbo
    nimbo Posts: 3,701 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    :j:T:T:T:T:T:T:T:Twell done,:T:T:T:T:T:T:T:T:j

    Stashbuster - 2014 98/100 - 2015 175/200 - 2016 501 / 500 2017 - 200 / 500 2018 3 / 500
    :T:T
  • Well done! It's such a fantastic feeling isn't it, 18 months on I still get pleasure when I look at my online statement and it's always in the black!
    Haven't quite got round to the savings yet though, money still seems to disappear!
  • In_Search_Of_Me
    In_Search_Of_Me Posts: 10,634 Forumite
    wow thats fab linnie! Why not tell pepys how you did it!! Fab for you & cant wait for the day I get there!! uite a few years away but its always lovely to see familiar faces get DF!!
    Nerd no 109 Long haulers supporters DFW #1! Even in the darkest moments, love and hope are always possible.

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