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

boredofbeingathome

WELL DONE, a fabulous feeling and congratulations.

shopaholic2008

I just wanted to say well done ~ im really jealous and cant wait till im at the same stage. Stories like yours really help me focus and i know one day soon it WILL be me :beer:

mummum2

Well done! truly happy for you and thanks for sharing. One day I'll post the same:T :T :beer: Happy saving:T

**Amy**

Congratulations!! And a big well done. That is fantastic. And its a great kick up the bum that I need to show it CAN be done if you put your mind to it! :beer: :j

talliedebtbuster

That is fantastic news, a bit of motivation, i could be debt free in 12 months time exactly today, the day i pay off the student loan will be so great coz ill have an extra 80 pounds a month too in my wages! I cant wait!! The thing is i dont know how much i owe until the statements in august come out!!

WELL DONE!!!! Any tips for lot too?!!

Sammy_Girl

Oh wow, congratulations. I made my first post today and I feel a lot better for it already. Stories like yours are so inspirational and motivational. I never thought that I would be spending £1000 a month just on clearing my debts but here I am doing just that! Seeing your hard work really makes me so determined to do the same. It must be a great feeling to be debt free!!! Well done!!! :beer:

jak

Well done well done well done!!!!!
That is so brilliant! You should be really proud of yourself!!!
X

[Deleted User]

Superb! Well done

Tea
xx

Keeping_Positive

:j :beer: Congratulations:beer: :j

moanymoany

Firstly - fantastic. :T

Secondly - I know JUST what you mean when you ponder the possibilities of 'if' you had had your lbm before you did. Dh and I do the same - well me more than dh. If we had had our lbm 10 years ago rather than 3 we could have had £100,000 in the bank for our retirement. Using OS and self-control we have been able to save 60% of our income, and no, it isn't huge. We could have paid off our mortgage 3 years before we did - etc, etc, etc.

However, if we hadn't had our lightbulb moment we could still be paying the shortfall of the endowments on our mortgage and be looking at having to work beyond retirement age.

Thank goodness for this site for saving us thousands on money makeovers and for me especially the moneysaving old style forum as it has saved me £300 a month on housekeeping. Over three years that is £10,800 which I've saved up and have in the bank. Given that we hardly noticed the difference, it was well worth doing.

It means that not only will we have more income when we're retired - but - we can live on very little!

So, once again - many congrats, the future is full of promise. Just think what you can save up and do. :j