Time to alter the signature....

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  • Thefunkygibbons
    Thefunkygibbons Posts: 1,381 Forumite
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    Excellent

    That is some going
  • skintchick
    skintchick Posts: 15,114 Forumite
    Debt-free and Proud!
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    Ms_London totally rocks!!!!!!!!!!
    :cool: DFW Nerd Club member 023...DFD 9.2.2007 :cool:
    :heartpuls married 21 6 08 :A Angel babies' birth dates 3.10.08 * 4.3.11 * 11.11.11 * 17.3.12 * 2.7.12 :heart2: My live baby's birth date 22 7 09 :heart2: I'm due another baby at the end of July 2014! :j
  • ms_london
    ms_london Posts: 2,852 Forumite
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    skintchick wrote:
    Ms_London totally rocks!!!!!!!!!!

    Haha!! Thanks!!

    Thanks everyone for your comments too. It still doesnt feel real. To some extent i'll probably still feel as though im in debt for a while (even though I wont be), because ive carried that burden & "label" around with me for so long. It will take a bit of getting used to, and actually have friends who never saw themselves as being "in debt" owe more money than I do. That'll be weird!!

    xx
  • Devo
    Devo Posts: 236 Forumite
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    You are an inspiration to us all... :T
  • monkeylugs
    monkeylugs Posts: 255 Forumite
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    So - how did you do it and how long did it take you? (I'm a newbie)
    April 2006 - £9790.26dr. DFD - March 2011
  • roversbabe
    roversbabe Posts: 1,008 Forumite
    Debt-free and Proud! Mortgage-free Glee!
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    Nice one Ms_london :j

    Thats fantastic
    Official DFW Nerd Club - Member no. 027

    Debt free: 6th April 06 :T Proud to have dealt with my debts
  • ms_london
    ms_london Posts: 2,852 Forumite
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    monkeylugs wrote:
    So - how did you do it and how long did it take you? (I'm a newbie)

    Paid off £10K this year (will have by next month anyway), £4.5K between May and December last year, and the rest in the year before that.....

    Basically I just decided that I wanted to be debt free, took a 2nd job & did as many hours as I could. Only gave that up a month ago.... I had a budget and had to stick to it. I have NO overdraft, NO credit available to me at the moment (or for past 3 years), so if i run out of money, I run out. I had to move to a place with cheap rent & flatshare, I get my clothes from Charity Shops/Primark & now upgraded to Ebay (lol), deals on cosmetics/beauty products - and havent bought a CD/DVD or anything like that in years - I always ask myself "Do I really need it?", but to be honest, ive lost "the taste" for material things and things like that dont interest me anymore.

    Unfortunately there is no quick way of clearing debt and there wasnt with me, just peserverance, determination & hard work - it does take effort!!!

    xx
  • Harpoon_2
    Harpoon_2 Posts: 60 Forumite
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    £19,000 gone - that's a cracking effort! :D
  • James240
    James240 Posts: 16,387 Forumite
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    well done hunny your an inspiration to everyone on here

    love ya loads x

    James
    Savings Total so far for 2023: £8,062.58
  • ms_london
    ms_london Posts: 2,852 Forumite
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    James240 wrote:
    well done hunny your an inspiration to everyone on here

    love ya loads x

    James

    Thanks James. How you been??

    Ive just requested my final settlement figure from my loan, which is all quite exciting. My final payment will be 1st November!!!!!!

    Had a bit of a blow out on Friday & spend £70 on clothes, still, I didnt go out Sat night, so it evens itself out I suppose, plus I deserve it.

    What you been up to Mr?

    xx
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