My SOA and Situation Realisation

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  • shteca
    shteca Posts: 120 Forumite
    First Post Combo Breaker First Anniversary Debt-free and Proud!
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    kimplus8 wrote: »
    This is amazing!!! massive massive congrats. :T:T:T:T
    Thank you! I am now debt free after paying off two final credit cards last night!
    I noticed you have Dave Ramsey in your bio.
    I think people assume I am paid to promote him round here the amount I go on about him!
    Debt Fully Paid Off (20/06/2019): £54,441.87
    Dave Ramsey is my financial guru!
  • shteca
    shteca Posts: 120 Forumite
    First Post Combo Breaker First Anniversary Debt-free and Proud!
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    JayRitchie wrote: »
    Great job!
    Thanks Jay! You have been here right from the start so thank you so much for sticking by me and always helping me! Your support and help means more than you can possibly image.
    Debt Fully Paid Off (20/06/2019): £54,441.87
    Dave Ramsey is my financial guru!
  • shteca
    shteca Posts: 120 Forumite
    First Post Combo Breaker First Anniversary Debt-free and Proud!
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    Yellow_mango wrote: »
    :beer::j:T
    Amazing! Well done!!
    Thanks YellowMan! I may be 29 but my life starts now!
    Debt Fully Paid Off (20/06/2019): £54,441.87
    Dave Ramsey is my financial guru!
  • shteca
    shteca Posts: 120 Forumite
    First Post Combo Breaker First Anniversary Debt-free and Proud!
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    beanielou wrote: »
    Blimey, that is awesome:j:j:j:T:T
    Thank you! I am so happy today!
    Debt Fully Paid Off (20/06/2019): £54,441.87
    Dave Ramsey is my financial guru!
  • MallyGirl
    MallyGirl Posts: 6,618 Senior Ambassador
    Photogenic First Anniversary Name Dropper First Post
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    shteca wrote: »
    I am welling up!
    One of the most significant days of my life!
    I am 100% debt free apart from my home.
    My mortgage stands at £64,000 but I have no consumer debt.
    My journey begin 18 months ago when I said never again. I went on a scorched earth plan and sold everything I had including my car, my TV, no holiday, no eating out nothing. I have traveled on public transport and shopped in Aldi and spent nothing on myself other than bare necessities
    I have just made the final two full payments on a MBNA credit card and a Post Office Credit Card totalling £9,500.
    That brings my total paid off in 18 months to £54,273!!!
    I am so ecstatic right now!!!

    Make sure you add yourself to the Debt Free Roll of Honour
    I’m a Senior Forum Ambassador and I support the Forum Team on the Pensions, Annuities & Retirement Planning, Loans
    & Credit Cards boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com.
    All views are my own and not the official line of MoneySavingExpert.
  • Smythson
    Smythson Posts: 10 Forumite
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    shteca wrote: »
    Thank you! I am so happy today!


    Congrats! Spent some time earlier today reading through your thread has pushed me to come up with a clear plan for my own debts!
  • shteca
    shteca Posts: 120 Forumite
    First Post Combo Breaker First Anniversary Debt-free and Proud!
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    Luke91H wrote: »
    Congrats! Spent some time earlier today reading through your thread has pushed me to come up with a clear plan for my own debts!
    That is amazing to hear. I am glad my experience could inspire the change for you too. One thing I can confirm, with all the hard work taken into account it is 100% worth it.
    Debt Fully Paid Off (20/06/2019): £54,441.87
    Dave Ramsey is my financial guru!
  • enmanuel.jeffren
    enmanuel.jeffren Posts: 4 Newbie
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    How brilliant to clear that Sainsburys loan. I remember your first post and the mess you were in so you have done amazingly well to turn that situation around. I think you have a bright financial future ahead especially if you continue to budget but hopefully save rather than taking on debt in the future. Well done.
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