Your browser isn't supported
It looks like you're using an old web browser. To get the most out of the site and to ensure guides display correctly, we suggest upgrading your browser now. Download the latest:

Welcome to the MSE Forums

We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

Search
  • FIRST POST
    • MSE Martin
    • By MSE Martin 26th Oct 06, 4:03 PM
    • 8,111Posts
    • 42,248Thanks
    MSE Martin
    The Debt Free Roll Of Honour
    • #1
    • 26th Oct 06, 4:03 PM
    The Debt Free Roll Of Honour 26th Oct 06 at 4:03 PM
    Update Jan 2018. We started this Debt Free Roll of Honour back in 2006 and since then there have been some fabulously inspiring stories, which you'll see if you read below.

    To read the most recent debt-free announcements click the double arrow above to head to the last page of the discussion

    Back to Martin's original post...

    ---

    Welcome to the Debt-Free Roll of Honour.

    This is for Debt-Free Wannabees who are no longer Wannabees.

    Please report

    a. The date of your lightbulb moment
    b. Debts at their highest
    c. Debt-Free Date
    d. Your one perl of wisdom.
    e. Links to the MSE guides that helped you
    f. Which forum threads helped you
    g. And if you had a debt diary on the Debt-Free Wannabe board (DFW), a link to it

    And huge congratulations

    Martin

    PS Please no one else post - let's keep this a pure record of successes

    PPS Please come back to let us know Debt-free No Longer Wannabes - What they did next" discussion to tell us what you've been up to."



    Past Debt Free No Longer Wannabes (huge congratulations)

    2016 TOTAL: 85

    OxfordGirl, datlex, sentientpoet, austonic, muppets, NJS2016, Bipolar_debt, monz, ab_saver, Money_Muppet , retiredandskint, lambda, Princesssparkle, Onmyway2, Seasidegal58, QuietOne, Willowpop, daveg10, NewcastlePaul, eco farmer, SpekySquarehead, C&S, Gazza1964, naff123, pineconesjay, lsmcal1984, blu3sky, villemo84, mesci, Honeylife, Karma67, timefortea, chocoholic_chick, purpleposting4, dangerpowers, e4rub, starnac, Carviscocker, Fender4, dolly84, Brightspark87, hoglet121, Bored, devon-tony, mrsbee17, Tony_, stekka, Kate_fixing_it, Gladioli, HornetSaver, sistercas, Tiglath, moneycantbuyyouhappiness, RosaBernicia, Catwoman_2015, Baldybear, Muhren, please-let-me-be-lucky, gig11, skilly, heartbreak_star, Frith, CornishMaid, tizerbelle, Ronoir,
    takingcareofthepennies, Mysteek, Sillygal, laura84gr, medusasmummy, depressed_but_determined, Soph86, princess_pea, bookworm262, Hobbes1, glentoran99, NoStrangerToDebt, CapricornLass, Serafine, 2spicy, mc2705, AshB123, koselur, mothernerd, BrandNewStart[/SIZE][/B][/COLOR]

    2015 TOTAL: 115!!

    nannygladys, beckle_82, neuromancer, Alpedro, Aphidgirl, LotsToDo, stewby, Pepperoni, Squarehead76, nonnynonny, danant, DML1954, mrshughes86, Blinky2010s, Rachiedabbler70, Playing with Fire, katy_ann, lexbubbles, diamonds, andy1886, stiltoncheese, looby1975, shofer, Karb, kittypimms, Growurown, Want_to_be_free, crazy_cat_lady, David123456, FinallyGettingFree, malnuman, ShirePiskie, black cat, boring1, kremmen, BlueEyedGirl, antonia86, ice_babe, Apple Crumble, LittleDutchgirl, natsplatnat, her_welshness, dads_albums, supersavor, KONG, HomeAlone, kerryallc71, fredtheguava, xxxJOJOxxx, The Only Girl, uncreative, NeverAgain2, Penny Bridge, boot13t, lemanie, gree0115, cakeforbrains, hydrangea, Cynical Monkey, tripled, ShopaholicNumber1, Lwsi, CrazyKitten, Nargleblast, kirstle99, Polly Wolly Doodle, SMGee, D3P0, MissShoes, kb_soma, Chimping, StrawberryJam132, maria3104, happycrafter, bassitt74, Ratison, GingerFurball, Tammy2, NewlyFrugalMumof3, cottage_retreatist, boucho11, *zippy*, MNM2903, allydowd, joee, Zabki, 7roland8, naughtymonkey, babyplum, NorthernMonkey1, Time to face the music, melwright, Daerve, johnboyinsole, Ali-OK, thewalrussaid, kika, Skinnylatte, fevlo, Seanymph, Smedley, poohbear59, happybunny86, spot3, xxlouisexx56 , Idollic, hannah2010, MrWillyWonka, Getmeoutofdebt, powellypowelly, AlexLK, Laconic, cluckyhen, rising from the ashes, KirstyO

    2014 TOTAL: 92

    2013 TOTAL: 81


    This Forum tip was included in MoneySavingExpert.com's weekly email!
    Last edited by MSE Andrea; 12-01-2018 at 12:07 PM.
    Martin Lewis, Money Saving Expert.
    Please note, answers don't constitute financial advice, it is based on generalised journalistic research. Always ensure any decision is made with regards to your own individual circumstance.

    Don't miss out on urgent MoneySaving, get my weekly e-mail at www.moneysavingexpert.com/tips.

    Debt-Free Wannabee Official Nerd Club: (Honorary) Members number 000
Page 87
    • jamesbrownontheroad
    • By jamesbrownontheroad 9th Nov 17, 10:55 AM
    • 574 Posts
    • 359 Thanks
    jamesbrownontheroad
    Hello everyone. Here to share some good news, and to offer encouragement to anyone following in my footsteps.

    I left home in 2001 and started out at university. Inevitably I had a student bank account with a gradually increasing free overdraft facility. This is important because it got me into a bad habit at the very start of my independent life. I pretty much lived in that overdraft for the next ten years, with grants, student loan installments, and part-time work only ever topping up but never killing off the debt. This continued through two years out, a two-year postgraduate degree and a three-year doctorate.

    A couple of credit cards followed, never more than two at a time, usually sliding debt from one interest-free account to another as the deals expired.

    I met and married an immigrant, and therefore traveled a bit more than my bank manager might have thought sensible. She moved to the UK for study, and we eked out a pretty basic living until my first proper job in 2012.

    At that point, I had a lot of unsecured personal debt. Maybe not as much as others who are sharing their stories here, but a four-figure sum that I never quite conquered. Since 2012, with the exception of just one six month period, I've worked full time in salaried employment since then.

    With the help of Noddle, I've been able to look back at all my open and closed financial accounts and see exactly how much I paid every month to every account. Some balance transfers skew the total (i.e. I paid a lot onto one credit card using another, so if I total all the monthly payments up it ends up duplicating the cost.

    But as of this month, I am proud to say that since 2011 I have successfully cleared £35,604 of unsecured personal debt, including the original sum plus all associated interest.

    It's all gone.

    For the last three years, out of a pay cheque of around £1,900-2,200, I must have sent £400-700 a month to pay off my debt. It's been a long tedious slog. But it's over now.

    To those who are following in my footsteps, be assured that you can do it. It will be slow, it will be boring but it will happen. There will be no quick rewards or quick wins. But you will get there.

    Having the right people around you helps enormously. My wife has been strict and forbidden me from easy lapses of discipline whenever something tempting comes up. You don't have to be in a relationship for this to happen. Trust the many debt support agencies and charities and talk to them. If you have a friend or family member, turn to them for moral support, maybe even financial discipline. Yes, there's a small chance that they will judge you, but more likely than that they will be honored that you have shown your trust in them.

    Good luck, and I look forward to reading your story here very soon.
    • MSE Andrea
    • By MSE Andrea 9th Nov 17, 12:23 PM
    • 9,052 Posts
    • 21,859 Thanks
    MSE Andrea
    Fabulous inspiration jamesbrownontheroad! Huge congratulations and thanks for telling us!

    Andrea
    Could you do with a Money Makeover?


    Follow MSE on other Social Media:
    MSE Facebook, MSE Twitter, MSE Deals Facebook, MSE Deals Twitter, Forum Twitter, Instagram, Pinterest
    Join the MSE Forum
    Get the Free MoneySavingExpert Money Tips E-mail
    Report inappropriate posts: click the report button
    Point out a rate/product change
    Flag a news story: news@moneysavingexpert.com
    • Alexandra6
    • By Alexandra6 9th Nov 17, 1:00 PM
    • 1 Posts
    • 10 Thanks
    Alexandra6
    a. The date of your lightbulb moment. 01/09/2016
    b. Debts at their highest

    £3851

    c. Debt-Free Date

    09/11/17
    d. Your one perl of wisdom.
    Food and take away bills can be streamlined.

    Debts really need to be paid off and can see value of money have not just it being a number. Only then can spend it!!!!

    Good luck to everyone. I worked all my salary spare (not going out, £200 to spend) on paying it off and it feels amazing. To be honest Iíve had outside help as well for other debt so Iím really lucky. But Iím really pleased with this that I did pay off. Itís the only way.
    e. Links to the MSE guides that helped you
    f. Which forum threads helped you

    This one and debt free diaries

    Everyone is on the right track. It can be difficult not seeing the results. Sometimes the debt might be just too high and youíre never going to pay it off with monthly demands and outside help is needed. But the posts on the forum everyone is on the right track just hope it happens for everyone ASAP.
    g. And if you had a debt diary on the Debt-Free Wannabe board (DFW),
    • beanielou
    • By beanielou 9th Nov 17, 3:09 PM
    • 55,005 Posts
    • 219,591 Thanks
    beanielou
    Hello everyone. Here to share some good news, and to offer encouragement to anyone following in my footsteps.

    I left home in 2001 and started out at university. Inevitably I had a student bank account with a gradually increasing free overdraft facility. This is important because it got me into a bad habit at the very start of my independent life. I pretty much lived in that overdraft for the next ten years, with grants, student loan installments, and part-time work only ever topping up but never killing off the debt. This continued through two years out, a two-year postgraduate degree and a three-year doctorate.

    A couple of credit cards followed, never more than two at a time, usually sliding debt from one interest-free account to another as the deals expired.

    I met and married an immigrant, and therefore traveled a bit more than my bank manager might have thought sensible. She moved to the UK for study, and we eked out a pretty basic living until my first proper job in 2012.

    At that point, I had a lot of unsecured personal debt. Maybe not as much as others who are sharing their stories here, but a four-figure sum that I never quite conquered. Since 2012, with the exception of just one six month period, I've worked full time in salaried employment since then.

    With the help of Noddle, I've been able to look back at all my open and closed financial accounts and see exactly how much I paid every month to every account. Some balance transfers skew the total (i.e. I paid a lot onto one credit card using another, so if I total all the monthly payments up it ends up duplicating the cost.

    But as of this month, I am proud to say that since 2011 I have successfully cleared £35,604 of unsecured personal debt, including the original sum plus all associated interest.

    It's all gone.

    For the last three years, out of a pay cheque of around £1,900-2,200, I must have sent £400-700 a month to pay off my debt. It's been a long tedious slog. But it's over now.

    To those who are following in my footsteps, be assured that you can do it. It will be slow, it will be boring but it will happen. There will be no quick rewards or quick wins. But you will get there.

    Having the right people around you helps enormously. My wife has been strict and forbidden me from easy lapses of discipline whenever something tempting comes up. You don't have to be in a relationship for this to happen. Trust the many debt support agencies and charities and talk to them. If you have a friend or family member, turn to them for moral support, maybe even financial discipline. Yes, there's a small chance that they will judge you, but more likely than that they will be honored that you have shown your trust in them.

    Good luck, and I look forward to reading your story here very soon.
    Originally posted by jamesbrownontheroad
    Massive well done Dr
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • perfectxmess
    • By perfectxmess 13th Nov 17, 9:35 PM
    • 5 Posts
    • 21 Thanks
    perfectxmess
    Lightbulb moment: 3rd February 2017
    Debts at their highest: just under £13k (£7117 at my LBM) - all credit cards
    Debt free date: 23rd September 2017
    Forum threads that helped me: all the DFW diaries - so motivating and inspirational
    Pearl(s) of wisdom: Sacrifice now to win later! Don't wait for someone else to come and magically pay if all off for you!

    Increase your income in any way you can - overtime / 2nd job / ebay / collect your spare change / shop less etc

    Stay motivated and constantly remind yourself of why you're doing it. I watched a sh*t ton of youtube videos about budgeting & other peoples' debt free journeys. It really helps to see other people going through the same thing and succeeding.

    Congratulations to everyone else who has made it to debt freedom, and good luck to all still on the journey. You WILL get there and it will be so worth it! X
    • livinginhope
    • By livinginhope 14th Nov 17, 11:44 PM
    • 1,805 Posts
    • 1,716 Thanks
    livinginhope
    Lightbulb moment : march 2006

    Debt at highest : £102k

    Debt free : October 2017

    Pearl of wisdom : check your insurance and don't skimp on necessities for luxuries,no point in a bath bomb if you have no bath .
    • FrugalinShropshire
    • By FrugalinShropshire 28th Nov 17, 4:20 PM
    • 197 Posts
    • 1,772 Thanks
    FrugalinShropshire
    Freedom through frugalness
    We are now debt free We have paid off our £10000 loan in 4 years and 7 months.

    We now are mortgage and debt free and do not need to work. I am 52 and OH 58.
    Our lightbulb moment came when we OH endured a 4hour commute from London to Kent that would normally take him 40minutes. He hated his job and I was running back and forth to look after my Dad in his home. We decided then to downsize and move, taking my Dad with us.
    Jump forward and we have been in Shropshire for 4 years and 7 months
    We live very simply and very happily, we find pleasure in not spending money on stupid things. We have a wonderful frugal life and try and make every penny work. We use a cash purse system and save up and pay for everything. When we moved we didnít have the money for my dream cooker so we used a camping gas stove for 2.5 years with a halogen oven and microwave. It was fun to see what meals you could do using so little.
    I have privileged life now I believe as I can truely see what I really need and would never buy something I just want without researching first. Others may see our life as hard as we seem to go without the norms for a lot of people as we donít have a very big income, but we are much happier than we have ever been.
    Proud to be mortgage and debt free
    • beanielou
    • By beanielou 28th Nov 17, 7:05 PM
    • 55,005 Posts
    • 219,591 Thanks
    beanielou
    We are now debt free We have paid off our £10000 loan in 4 years and 7 months.

    We now are mortgage and debt free and do not need to work. I am 52 and OH 58.
    Our lightbulb moment came when we OH endured a 4hour commute from London to Kent that would normally take him 40minutes. He hated his job and I was running back and forth to look after my Dad in his home. We decided then to downsize and move, taking my Dad with us.
    Jump forward and we have been in Shropshire for 4 years and 7 months
    We live very simply and very happily, we find pleasure in not spending money on stupid things. We have a wonderful frugal life and try and make every penny work. We use a cash purse system and save up and pay for everything. When we moved we didnít have the money for my dream cooker so we used a camping gas stove for 2.5 years with a halogen oven and microwave. It was fun to see what meals you could do using so little.
    I have privileged life now I believe as I can truely see what I really need and would never buy something I just want without researching first. Others may see our life as hard as we seem to go without the norms for a lot of people as we donít have a very big income, but we are much happier than we have ever been.
    Originally posted by FrugalinShropshire
    What a lovely post.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
    • WorldTraveller
    • By WorldTraveller 29th Nov 17, 12:17 PM
    • 59 Posts
    • 64 Thanks
    WorldTraveller
    Only just joined MSE, we are now completely debt free having paid off our mortgage a couple of weeks ago. We have no other debts of any kind as we pay our credit cards off monthly and intend to keep it that way, looking forward to building up our savings and going on holidays!
    • rootofallevil
    • By rootofallevil 6th Dec 17, 3:38 PM
    • 7 Posts
    • 14 Thanks
    rootofallevil
    Hi All, not been on here for a while, became debt free 2 years ago after a lightbulb moment in 2006.
    Had £87k of debt when we registered with Payplan and an oustanding mortgage of £46k.
    A redundancy and a lump sum from my pension plus a reduced full and final settlement to my debtors finally lifted the rock from my chest.
    Without the help and support of both my family, Payplan and countless people on this forum, I dread to think where I'd be now.
    Pearlalk to people, even if its the people you owe money to,citizens advice,family, anyone. Most people WILL want to listen and help. Just don't bury your head in the sand, persevere, work hard and save at every opportunity and most of all, stay positive.
    My biggest driver was seeing my debt free date getting closer all the time.
    Thank you one and all for help, advice and encouragement along the way.
    • SnowBallBunny
    • By SnowBallBunny 12th Dec 17, 8:18 PM
    • 141 Posts
    • 282 Thanks
    SnowBallBunny
    This thread is amazing! I'll return here for inspiration. Congratulations to everyone here! I look forward to posting.

    I'll also find the nearest park and do a debt-free scream - Dave Ramsey style! Bless you all.
    Credit Card 1 £6,000/£5,462.76 Debit Card £5,000/£4,038.61 (Debit Card includes Emergency Fund £1000) Credit Card 2 £1200/£822.91 Tax Bill £750/£0 Library Fine £90/£0 Accountancy Bill £720/£0 Cancelled Art Project Donation £15/£0
    Total £13,199/£10,324

    A SnowballBunny, hopping my way to Financial Freedom.
    • Zanderman
    • By Zanderman 22nd Dec 17, 6:21 PM
    • 1,595 Posts
    • 4,126 Thanks
    Zanderman
    Never thought to go for the debt-free badge until today..

    We've actually been debt-free for about 10 years here in Zander villas, following a resignation and a redundancy and some modest inheritance that helped us clear the mortgage.

    Since then, without formal salaries (we are self-employed) our income since has fluctuated wildly - some good years, some bad. The primary help we've had from MSE, particularly the Forum, has been, well, the obvious - money-saving. And also inspiration in general. Which has meant we've never built up any debts since giving up the day-jobs.

    Indeed we've built up a reasonably good savings pot, rather than built up debts. Something I'd have considered impossible in my salaried days, when it seemed normal to spend just beyond my means.

    A lot of the pot is 'allocated' - for the next car, the next holiday etc.

    And we also self-insure to some extent - e.g. never paying maintenance contracts for heating etc as we've found that it's generally far cheaper to put that cash on one side and keep it until it's needed, rather than paying it out to, say, British Gas, every month.

    So our 'pot' is not all for general use - we've found that developing the discipline to see specific budgets within the pot is key to the whole thing.
    • pennywisepoundstupid
    • By pennywisepoundstupid 25th Dec 17, 2:42 PM
    • 4,796 Posts
    • 16,332 Thanks
    pennywisepoundstupid
    Hi

    I have been meaning to post all week, I am finally debt free after many years. It is bitter sweet though as the reason I am now debt free is because I received an insurance payout after being diagnosed with cancer In the summer. I am on the road to recovery and look forward to saving for mine and DH future.
    Be mindful of your self-talk. It's a conversation with the Universe."
    Debt free and saving for my future
    Long term savings £10,000 Holiday spends £1000/£349.02 Kitchen savings stage 1 £1500/£160.24
    Amazon vouchers
    £9
    • MSE Katie
    • By MSE Katie 28th Dec 17, 11:46 AM
    • 17 Posts
    • 10 Thanks
    MSE Katie
    Hi MoneySavers,

    Well done to all of you on the debt-free roll of honour this year. If you're a huge MSE fan and we've helped you with your journey to clear your debts, we're looking for an MSE super-fan to introduce to a journalist for an interview about your moneysaving successes, how much you've saved, and all the things you do to cut costs. If this sounds like you, get in touch, reply below or message me directly to get involved.

    Thank you!
    MSE Katie
    • Disco Dolly
    • By Disco Dolly 29th Dec 17, 5:43 PM
    • 195 Posts
    • 222 Thanks
    Disco Dolly
    Lightbulb moment: January 2014

    Debts at highest: Ä21,746.34

    Debt-Free Date: 29th December 2017 (today)

    Pearls of wisdom: Make a budget & try to stick to it. If you fail get straight back on the horse, don't beat yourself up & don't give up. Track ALL your spending, every penny, so you can see where you can cut back. Pay your debt repayments as soon as you get paid if possible. Read here for inspiration especially this thread. Before you buy anything ask yourself if you really need it, I had a shopping online rule where I had to wait 48 hours before I bought it, the majority of the time I would change my mind in that time. Imagine the end goal and stay focused, the feeling at the end is so worth it, I'm on cloud nine today!!
    LBM Jan 2014: Ä21,746.34
    Total Dec 2017: Ä0.00
    (Debt Free 29th Dec 2017)
    • Frugaldom
    • By Frugaldom 29th Dec 17, 8:19 PM
    • 5,979 Posts
    • 52,030 Thanks
    Frugaldom
    It seems like I never did get around to posting in here but I have been debt free since 2007, when I first brought the frugal living challenge on here, and began saving to buy a house without a mortgage.

    Congratulations and well done to everyone on here! There are some truly inspiring stories!

    I guess I should include that I did complete my initial savings challenge to save and buy property without a mortgage (bought in 2012) and still living the frugal lifestyle.
    Last edited by Frugaldom; 29-12-2017 at 8:28 PM.
    I reserve the right NOT to spend:
    The less I spend, the more I can afford!
    Now running Frugaldom as a lifestyle social enterprise!
    • Chandelier.
    • By Chandelier. 3rd Jan 18, 1:02 AM
    • 635 Posts
    • 1,665 Thanks
    Chandelier.
    Lightbulb moment: September 2016

    Debts at highest: £11600 (Sep 16 for car) and additional £6500 (Aug 17 for dental work). So in total over past 12/18 months = £18100.

    Debt-Free Date: 3rd January 2018 (today)

    Pearls of wisdom:

    - Work out a set amount you can oay towards debt each month that is affordable. I chose to do this and pay on the 1st of each month (same time as my direct debits/bills came out).

    - Budget ahead and allow yourself some leeway if possible.

    - Remain positive and that the end is insight.

    - Try to utilise what offers are available to you if possible to save money, shop around.

    - Every little helps. I used to round up my bank account to the nearest 0 and sweep money aside to a seperate account and when this built up I'd pay it off the debt.

    - Don't be too harsh on yourself, remember to live a little and still enjoy yourself.
    Check out my Diary
    • doingitanyway
    • By doingitanyway 3rd Jan 18, 5:12 PM
    • 3,154 Posts
    • 15,803 Thanks
    doingitanyway
    well done and enjoy living debt free
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • venison
    • By venison 6th Jan 18, 9:29 PM
    • 2,160 Posts
    • 2,304 Thanks
    venison
    Have just paid off my final debt which was a cc finally debt free for the first time since God's dog was a puppy. Yipppppeeee
    Quite proud as well having managed this over Christmas
    Ex Board Guide
    • beanielou
    • By beanielou 6th Jan 18, 9:33 PM
    • 55,005 Posts
    • 219,591 Thanks
    beanielou
    Have just paid off my final debt which was a cc finally debt free for the first time since God's dog was a puppy. Yipppppeeee
    Quite proud as well having managed this over Christmas
    Originally posted by venison
    WEll done
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 11 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger.
Welcome to our new Forum!

Our aim is to save you money quickly and easily. We hope you like it!

Forum Team Contact us

Live Stats

205Posts Today

1,851Users online

Martin's Twitter