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 88
    • LucyVP
    • By LucyVP 19th Jan 18, 10:00 PM
    • 1 Posts
    • 14 Thanks
    LucyVP
    Free thanks to Excel
    a. The date of your lightbulb moment: Jan 2010
    b. Debts at their highest: 187,500 (start of mortgage - Jan 2010)
    c. Debt-Free Date: Oct 2017
    d. Your one perl of wisdom: every year on Jan 1st take an excel, first worksheet put the main plan for the year ahead with three targets for debts, savings and life, on the second worksheet do 12 columns for monthly forecast, income expected, monthly expenses, does it tally with your annual targets? if not what can you do to achieve them? as you go through the year track as much as you can, it was the constant work that helped me achieve my goal.
    • Munchin
    • By Munchin 29th Jan 18, 9:19 AM
    • 2,308 Posts
    • 7,141 Thanks
    Munchin
    Hi, this is my second time on the Debt Free Roll of Honour & hopefully the last . I paid off my debts and then built them up again ...

    a. The date of your lightbulb moment: 2011
    b. Debts at their highest: £10,000
    c. Debt-Free Date: 29 January 2018
    d. Your one pearl of wisdom: Stick at it ...even tiny amounts help. Keep a track of all your spending.
    • doingitanyway
    • By doingitanyway 29th Jan 18, 9:49 AM
    • 3,062 Posts
    • 15,901 Thanks
    doingitanyway
    Fantastic news Munchin. You got debt free and your thread is helping others get debt free too
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • Erickem
    • By Erickem 7th Feb 18, 4:20 AM
    • 3 Posts
    • 5 Thanks
    Erickem
    An amazing amount to clear in such a short time.
    • bettyruth
    • By bettyruth 10th Feb 18, 9:22 PM
    • 12 Posts
    • 36 Thanks
    bettyruth
    Light bulb moment... not being able to sleep for worrying about debts, 2014
    Debts at their highest... £23,500 ( 7 creditors)
    Debt free date...feb 9th 2018!!!!!!!!
    Pearl of wisdom... DO NOT keep money problems to yourself... admiting the debt to my OH was one of the worst parts of the whole thing in a way... he is good with money.and was disapointed that i never told him. I wholly recomend Step Change..they have been so helpful and non judgemental. For me the answer came in a DMP..may not be for everyone, but main thing is to get advice...get help.. good luck everyone..
    I cant describe how amazing being debt free feels... i nevee thought i could do it!
    • caeler
    • By caeler 10th Feb 18, 10:00 PM
    • 1,958 Posts
    • 1,779 Thanks
    caeler
    I'm a bit late as I've been debt free for some time but wanted to share what helped (mostly this forum!).
    a. The date of your lightbulb moment: 28 Jan 2008
    b. Debts at their highest: approx £16K
    c. Debt-Free Date: Jan 2012
    d. Your one pearl of wisdom: Do a realistic budget using the SOA and stick to it. Log all expenditure, every penny so you know where your money is going. See money saving as an every day challenge and aim to spend less of every day!
    e. Links to the MSE guides that helped you:

    I really enjoyed the support of the debt free wannabe forum, 'no spend days', saving challenges as well as generally using the MSE guides on utilities, council tax checker, phone and broadband, insurance guides et al.
    Like a diet, being debt free is a lifestyle choice. Everything I learned from the website/forum and its members I still do today. I scour mysupermarket for prices before I step foot in a grocery shop, I use MSE energy club to look for tariffs, I use charity shops, I buy basics and second hand, I research for weeks before big purchases and I always look for discounts.
    MFW | DF| NSD Fan | LC
    • LalalaLindy
    • By LalalaLindy 11th Feb 18, 5:19 PM
    • 64 Posts
    • 583 Thanks
    LalalaLindy
    Hi

    Iím slightly late in posting this as our final payment was in October 2017, but I wanted to make sure we got through Christmas unscathed.

    My lightbulb moment was 23/09/13. We werenít massively in debt (£3000 - Iím not including the mortgage) but Iím not able to work now and we were getting further and further into debt as our spending was uncontrolled and we didnít know the first thing about managing money.

    We were actually out of debt within 12 months of joining MSE and following all the great advice on here about SOA and budgeting etc, but we had no savings and took out a couple of 0% credit card deals to pay for emergencies and repairs. Finally we are now clear of debts and have a small emergency buffer. Our windows need replacing at the moment but we are doing them one at a time as we save up enough money for each one. I am not prepared to go back into debt for this.

    This whole site has been completely invaluable to us and I sing itís praises to everyone. Weíve saved a fortune through the cheap energy club and used the advice on credit card deals to save money on our emergencies and repairs. The forums and members have been life savers. Iíve mostly just read rather than participating, but the advice on them all has been amazing and we wouldnít be where we are without all of you.

    It is wonderful to be able to feel back in control of our lives. Thank you all
    JAN GC: £409.00/£390 + 10 NSD ** FEB GC: £388.40/£390 + 10 NSD
    MAR GC: £428.96/£390 + 9 NSD ** APR GC: £137.38/£390 + 5 NSD


    LBM 23/09/13 - DFD 08/10/17
    • sproggi
    • By sproggi 13th Feb 18, 11:55 AM
    • 1,517 Posts
    • 6,376 Thanks
    sproggi
    Lightbulb moment: September 2005
    Debts at their highest: £54,000
    Debt-free date: May 2017
    Boards that helped me: Debt-free wannabe and Old style

    After years of struggling with debt, I saw a mention of MSE on another website and decided to look into it. I started out reading the debt-free wannabe board and suddenly it hit me, I was reading about my life! The credit cards, the loans, consolidation, changes in circumstances, spending to ease depression, more debt causing depression. My lightbulb moment came and I felt sick but determined.

    At first I tried snowballing, but another change in circumstances made that impossible with the amount owed, so I turned to cccs/stepchange and started a dmp and 11 years later (with a few bumps in the road) I was finally debt free.

    Fast forward 9 months and, for the first time ever, I have just paid a years car insurance up front in one go, such a simple thing, but a great feeling (made even better by using MSE guides to cut it by nearly half ).

    I still love attempting some of the challenges on the Debt-free and Old style boards (not always successfully ), I find that they have refocused my mind from spending to saving and make it fun.

    A massive thank you to everyone on MSE.
    And to the person that posted about MSE several times on the Gene's site in 2004/5 (I am sorry, I cannot remember their name), I cannot thank you enough for guiding me here

    Sproggi
    'We can get over being poor, but it takes longer to get over being ignorant'
    Jane Sequichie Hifler
    Beware of little expenses.A small leak will sink a great ship
    Benjamin Franklin
    • beanielou
    • By beanielou 13th Feb 18, 7:32 PM
    • 55,063 Posts
    • 220,014 Thanks
    beanielou
    Fantastic sproggi.
    Pleased for you.
    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.
    • Walaboobah
    • By Walaboobah 20th Feb 18, 4:53 PM
    • 288 Posts
    • 220 Thanks
    Walaboobah
    Lightbulb moment: September 2012
    Debts at their highest: £29,000
    Debt-free date: Feb 2018
    Boards that helped me: Debt-free wannabe / Debt Free Diaries

    The feeling of being constantly in debt is now at an end as I have just made the final payment that covers my Halifax Credit Card where the balance once stood at £11,000.

    The lightbulb moment happened when my partner found a credit card bill with the above balance on it (she had no idea we owed that much), we had been borrowing from Peter to pay Paul pretty much since we got married (around 20 years), yes we never missed out on holidays and getting new cars and things for the house but it meant that over time the debt kept growing. A couple of times we took out a consolidation loan but still kept using the cards so things just spiralled out of control

    Being in debt is a horrible feeling, you get paid and all the pay does is cover your overdraft(s).

    Considered Snowballing but really didn't think we were strong enough to stick with it and it would simply keep spiralling so we went down the DMP route with CCCS, which later became StepChange.

    First thing I did was set up a new Bank Account and changed all the Direct Debits. Used to have an account with Barclays and an account with Halifax. Now have one with Nat West that all Direct Debits come out of and my pay goes into and one with TSB that the wife's pay goes into.

    There is a small overdraft of £200 with the Nat West account but very rarely use that.

    I have an Ocean Finance Credit Card purely for work expenses, credit limit started at £1000 but is now up to £2750, presumably because it gets paid off in full by Direct Debit every month without fail as soon as work reimburse me for my previous month's expenses.

    The card has an APR of 34% but no interest is ever accrued on the account so it doesn't bother me. I didn't really want to get a new card but had to as the one that my employer previously supplied was withdrawn when the company was sold to a different firm and the new company didn't issue them. Fortunately I was able to take out a card with Ocean or it would have been a real struggle as my expenses regularly total between £500 and £1000 so to manage that from the current account would have been tricky.

    It's not been easy, wife lost her job, she spent 18 months in prison (which was when I nearly chucked it all in) but somehow managed to struggle through.

    Didn't do many of the things that lots of the Debt Free Wannabees did like No Spend Days etc, although did have some but more by luck than by judgement.

    It was difficult as there were times when we were lucky enough to have parents who gave us (not lent) money for a new car, which we are forever grateful for. The fridge packed up so needed to buy a new one, which we dipped into the emergency budget for.

    We will try to save around a minimum of £200 a month now towards Christmas, holidays and an emergency fund etc.

    Not sure if I qualify for the Debt Free Role of Honour as I still use a Credit Card but hoping that as I pay it off each month, that will be allowed.

    It's good to finally be here, now on to become a Mortgage Free Wannabee once we've let this sink in!
    • jubilee14
    • By jubilee14 26th Feb 18, 4:44 PM
    • 282 Posts
    • 858 Thanks
    jubilee14
    Well done Wallabulooh, your journey started at the same time as mine and about 8k less so appreciate the length of time you've committed to it. Your journey has also obviously had its own challenges so all the more well done to you for sticking at it. Looking forward to be able to post my own roll of honour about a year from now. You've obviously learned plenty with paying off in full and keeping an eye on things i think a lot of us ended up living beyond our means for 20 years and we'll all be happier with our new life skills.
    LBM Sept 2012
    started DMP 1.11.12
    Debt £37012/£5068 DFD Oct 2019 about March 2019
    • Emmala
    • By Emmala 7th Mar 18, 7:18 PM
    • 417 Posts
    • 2,293 Thanks
    Emmala
    Today I have checked all the accounts and am so relieved to finally be able to say we are debt free! Itís been an interesting few years, we had a small amount of debt, then DH was made redundant (contracted role so no pay out) and was out of work for nearly two years. Three years after finding a new job, we are finally Ďstraightí again.

    Lightbulb moment...less of a moment, but when DH got another job in May 2015 we knew we had to clear the decks and knuckle down to it

    Debts at their highest...just under £20,000

    Debt free date...March 2018

    Boards that helped me...Old Style, DFW diaries, DFW challenges

    Top tip...be brave, open the post, read the emails! You canít hide from debt, you have to take a deep breath and know exactly what your money is doing no matter how bad it is. Even if itís bad, knowing the figures helps put you in control of your money.

    Itís a funny feeling knowing that next month we havenít got to pay any money to credit cards, and although the balances are showing as zero, I have a niggling feeling that somehow that canít be right, and that I must have forgotten one or something. I havenít, but having juggled six or seven cards at one point, I canít quite believe that now I havenít got any to juggle at all. Thanks MSE for being here, for not judging and for providing so much help and support.
    • List Maker
    • By List Maker 8th Mar 18, 10:34 AM
    • 56 Posts
    • 84 Thanks
    List Maker
    Lightbulb moment: March 2013

    Debts at highest: £9,401.10

    Debt-Free Date: July 2016

    Pearl of wisdom: Be honest with yourself and others around you. Don't be scared of saying NO to friends, emails, extras etc.

    Boards that helped me:Reclaiming Money back from Various Payday Lenders - Having fully paid off my DMP I had no idea where this would lead...... so glad I took the plunge. Basically received the balance of my DMP back through challenging PDL affordability.
    Last edited by List Maker; 08-03-2018 at 12:48 PM.
    HOUSE DEPOSIT - £6,853.19/£42,000
    Future Mat Savings - £200/£2,800
    Debt Free since July 2016
    SPC #585
    • JustAboutThere
    • By JustAboutThere 13th Mar 18, 12:40 AM
    • 509 Posts
    • 2,163 Thanks
    JustAboutThere
    Paid off my loan for the double-glazing awhile back and have now just paid off my mortgage.

    All debt free
    • MrsLWW
    • By MrsLWW 13th Mar 18, 11:40 AM
    • 84 Posts
    • 255 Thanks
    MrsLWW
    DEBT FREE!!!!!!!!!!!!!!!!!!

    a. The date of your lightbulb moment

    There were a few flickerings, but the light came on and stayed on 27/02/2017 - when I joined MSE!

    b. Debts at their highest

    £30,000 , although my bright LBM wasn't until later, when we were round about the £21,000 mark

    c. Debt-Free Date

    12/02/2018

    d. Your one pearl of wisdom.

    Budget for everything REALISTICALLY. There is no point drawing up a really tight budget cutting out on things that you are going to spend on anyway - if you spend £50 a month on going out, but kid yourself on you won't go out and end up blowing your budget anyway then you will feel like you have failed and are more likely to fall back into bad habits.Use the Statement Of Affairs, ask for help on the Debt Free Wannabe page (although don't be disheartened when others poke holes in your budget - the hole poker might not think budgeting for a night out is something you should be doing but if it's something you know you won't do without then it's justified, you might not agree with them budgeting for a 20-a-day habit, but it's something they know they are going to spend on.

    However, becoming debt free does require will power - we stopped taking finance out on cars, we each bought a car for under £1000 - was it annoying seeing other people tool about in flash cars? Yes. But I told myself and still tell myself every day, I OWN my car outright - if something seriously went wrong with my car tomorrow, I would be less worried than someone who still owes £7k on theirs. Remember why you are making the sacrifice!

    Shop about - if you buy something regularly then shop about for it - I regularly go online to find where I can buy my e-liquid cheaper. If I'm making a big purchase like white goods, I google the model number and look in google shopping to see who has it cheaper. When it comes to make up I always ask for boots vouchers for Christmas and Birthdays so I can get the stuff I really want for less. My husband uses stick deodorants - so I googled them and now instead of spending £3.49 each on them in tesco, I get them in bulk for £1.10 each.

    I always ask for the prescription from my vets then order pet medications on line for at least 60% discount.

    I love Farmfoods, Poundshops (be careful though, sometimes it's cheaper elsewhere (£1 for bleach in the pound shop V 0.39p in Home Bargains), B&M, Aldi, Homebargains etc., I literally grudge paying Tesco/ASDA etc.

    f. Which forum threads helped you

    Reading the Debt Free Wannabe forum always helped, along with the Old School Money Saving.

    g. And if you had a debt diary on the Debt-Free Wannabe board (DFW), a link to it

    http://forums.moneysavingexpert.com/showthread.php?t=5626473

    Face up, take action, allow setbacks and keep at it!!!!!!!!! Good luck everyone, and well done all those in the DF Club!!!
    Debt peak approx £30,000 now debt free!!!
    My parents always said "If you can't afford it cash, you can't afford it!" so true!.... mind you, turns out we can't afford much lol
    • Debtfreewannabme
    • By Debtfreewannabme 20th Mar 18, 6:31 PM
    • 103 Posts
    • 774 Thanks
    Debtfreewannabme
    Lightbulb moment: 8th January 2018 ( joont debt balance was at £6,657)

    Debts at highest: £14,800 (joint debt with DH)

    Debt-Free Date: 20th March 2018

    Pearl of wisdom: Find out how much you owe to the penny, set a budget and stick to it.

    Boards that helped me: Debt free wanna be challenges - pay your debts off by Xmas 2018 & Marching to a different beat.

    Being debt free is the most incredible feeling. Once we had the lightbult moment everything clicked into place and we made it our mission to clear the debts. We now have lots of piggybank savings accounts and an emergency fund x
    • indesisiv
    • By indesisiv 22nd Mar 18, 12:16 PM
    • 5,800 Posts
    • 19,095 Thanks
    indesisiv
    a. The date of your lightbulb moment: March 2015
    b. Debts at their highest: £25,000
    c. Debt-Free Date: Mar 2018
    d. Pearl of wisdom: Leave some money in your budget to do enjoyable things if you can. Whilst it may add on a couple of months to your DFD it doesn't then feel such a hassle for years whilst you are paying it down.

    First time I have been debt free since 1999, although I only recently started to deal with it. I have set up a new account with a standing order of £350 going straight into it for savings. This is less than what I have been paying on my debt payments so its a win-win, I have an instant savings pot of £350 a month, and I also have a spare £100 or so each month than I had before to be frivolous with.
    ďTime is intended to be spent, not savedĒ - Alfred Wainwright

    Costa Rica & England in the MSE World Cup Sweepstake
    • beanielou
    • By beanielou 24th Mar 18, 9:15 AM
    • 55,063 Posts
    • 220,014 Thanks
    beanielou
    Cant wait for two lovely MSE'ers who became debt free yesterday to post on this thread
    I love our MSE community and the support we give each other.
    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.
    • doingitanyway
    • By doingitanyway 24th Mar 18, 10:14 PM
    • 3,062 Posts
    • 15,901 Thanks
    doingitanyway
    I had my lightbulb moment in 2011 when I joined the forum. My light was on but I could not work out a way to repay my debt as I was self employed, not earning enough and I could not find work. At that time my debt was £12,000. I came back with a new diary in January 2016 and the lightbulb was even brighter and my debt was £24,822. I began F/T work in March 2016 and stepped up my repayments. That was the highest debt figure I had ever had in my life (apart from my mortgage) and I was scared but also highly motivated.

    I began paying £1,000 a month on average. It was a lot but I knew i would run out of steam if I took the scenic route. There was just me to please so I decided to tough it out and do it fast.

    My debt free date was December 2017. I reset this date to March 2018 and became debt free on 23/03/2018

    My advice is to get a second job (if you are able to) this helped immensely and it does not have to be forever. I got miserable because I was cutting expenses too much and in the end I changed that by increasing income instead.

    The biggest drain on my spending was food! If that is you, especially if you work, take packup lunches and get a flask. Organise your food shop. Don't run into a stupidmarket after work it will cost you dear. To get debt free you have to get organised. Disorganisation costs you money. Always.

    I would also say be honest with yourself. Know who you are and what you need to succeed. Be prepared to set targets but be flexible especially if you are in for the foreseeable. I was a bit too hardcore and the journey was tougher than it needed to be sometimes. It helped that people posted to remind me to have a treat or pay less to debt for a month or two.

    I loved the debt free and mortgage free diaries. I got so much support and guidance and advice. I will be forever grateful to the community there.

    I am now debt and mortgage free and looking forward to making new positive changes in my life.

    My diary is in the debt free diaries and is called Dancing in the Rain. I am DIA and I am debt and mortgage free
    Last edited by doingitanyway; 24-03-2018 at 10:29 PM.
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
    • doingitanyway
    • By doingitanyway 24th Mar 18, 10:28 PM
    • 3,062 Posts
    • 15,901 Thanks
    doingitanyway
    Cant wait for two lovely MSE'ers who became debt free yesterday to post on this thread
    I love our MSE community and the support we give each other.
    Originally posted by beanielou
    Hope I am not being presumptuous but you might be talking about me? Anyway you prompted me so I have done it now
    JANUARY 2016/SECURED DEBT=24,822/March 2018=0 DEBT FREE 23/03/18
    MORTGAGE FREE 25/07/16
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

1,054Posts Today

5,861Users online

Martin's Twitter