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  • FIRST POST
    drewdrop
    Frrreeeeddddoooommmmm!!!!!!
    • #1
    • 27th May 10, 10:37 AM
    Frrreeeeddddoooommmmm!!!!!! 27th May 10 at 10:37 AM
    i HAVE JUST PAID THE LAST OF MY DEBTS
    My lbm was 2 years ago after 10 years of consolidating loans then using the credit cards again I finally had a 23000 loan (inc interest) with 3 years to run and 14000 on cards and a 2750 O/D that I never got in the black even on payday.

    It has been hard and I am obsessive now at working out what everything would cost over a year ( demotivater rocks). Stopping smoking (5000 pr year ) and ebay have made the biggest difference, and internet asda shopping, (free delivery on >100) and stops the impulse buys (do order after eating though lol ).

    It can be done and this forum is amazing, good luck to all xxx

    This Forum Tip was included in MoneySavingExpert's weekly email

    Don't miss out on new deals, loopholes, and vouchers

    Last edited by drewdrop; 07-06-2010 at 4:32 PM.
    DEBT FREE 27th MAY 2010
    Paid off - o/d 2750, loan 23000 (11 mts early), CC @ 14000

Page 1
    • rainbowfairydust
    • By rainbowfairydust 27th May 10, 10:39 AM
    • 16,194 Posts
    • 46,700 Thanks
    rainbowfairydust
    • #2
    • 27th May 10, 10:39 AM
    • #2
    • 27th May 10, 10:39 AM
    i HAVE JUST PAID THE LAST OF MY DEBTS
    My lbm was 2 years ago after 10 years of consolidating loans then using the credit cards again I finally had a 23000 loan (inc interest) with 3 years to run and 14000 on cards and a 2750 O/D that I never got in the black even on payday.

    It has been hard and I am obsessive now at working out what everything would cost over a year ( demotivater rocks). Stopping smoking (5000 pr year ) and ebay have made the biggest difference, and internet asda shopping, (free delivery on >100) and stops the impulse buys (do order after eating though lol ).

    It can be done and this forum is amzing, good luck to all xxx
    Originally posted by drewdrop
    congratulations.... im really pleased for you
    I like RainbowFairyDust .....

    RFD for president .... Ra! Ra! Ra!
    Originally posted by Sleazy

    Graduated ..now for masters
    • mummum2
    • By mummum2 27th May 10, 10:53 AM
    • 610 Posts
    • 848 Thanks
    mummum2
    • #3
    • 27th May 10, 10:53 AM
    • #3
    • 27th May 10, 10:53 AM
    Wow, totally impressive.....so happy for you! Well done and enjoy your DF life.
    Long Hauler No: 51
    DMP Mutal Support Thread No: 207
    Proud to be dealing with my debts
    DFD - June '13, aiming for December '12
    • Jazzie99
    • By Jazzie99 27th May 10, 10:56 AM
    • 283 Posts
    • 1,628 Thanks
    Jazzie99
    • #4
    • 27th May 10, 10:56 AM
    • #4
    • 27th May 10, 10:56 AM
    Congratulations on being Debt Free!!

    Cant wait to join you !!
    Friend Debt: 5,000/3,850
    2013 Start Mortgage: 306,585/306,585
    Overpayments: 0
    ISA Saver:
    10
  • drewdrop
    • #5
    • 27th May 10, 11:02 AM
    • #5
    • 27th May 10, 11:02 AM
    Lol, slight downside is that I have 250 to last till june payday lol but thats a small price to pay, thanks for messages and I hope I don't make the same mistakes again though, 2 years and 8 mts since my last fag and I still sodding want one !
    DEBT FREE 27th MAY 2010
    Paid off - o/d 2750, loan 23000 (11 mts early), CC @ 14000

  • Krisp
    • #6
    • 27th May 10, 11:14 AM
    • #6
    • 27th May 10, 11:14 AM
    That's fantastic news!!! Congratulations!!!
    Aiming to be debt-free June 2011 at the latest!!
    Paid off 6,143 - Egg loan cleared 26 May 2010
    Save on lunches in June Challenger # 5 - 0 aim/0 spent!!
    8/15 NSDs June 2010
    "I wish dear Karl could have spent more time acquiring capital than merely writing about it." - Jenny Marx
  • herculean1982
    • #7
    • 27th May 10, 11:22 AM
    • #7
    • 27th May 10, 11:22 AM
    that's so awesome well done.
  • pixiechick
    • #8
    • 27th May 10, 12:18 PM
    • #8
    • 27th May 10, 12:18 PM
    That's a fantastic achievement - well done!!!
    • determined new ms
    • By determined new ms 27th May 10, 1:16 PM
    • 7,035 Posts
    • 41,501 Thanks
    determined new ms
    • #9
    • 27th May 10, 1:16 PM
    • #9
    • 27th May 10, 1:16 PM
    congrats drewdrop!!! How William Wallace-esque "They can take our lives, but they will never take our Frrreeeeddddoooommmmm!!!!!!"
    DF as at 30/12/16
    Wombling 2017 3016.55/Roadkill 8.73
    Wombling 2018 145.73/RK 0.04
  • Ceniza
    Excellent work - well done! I cannot wait until I can say this about my finances
    • Happytogetdebtfree
    • By Happytogetdebtfree 27th May 10, 1:59 PM
    • 6,780 Posts
    • 15,515 Thanks
    Happytogetdebtfree
    Well done this amazing
    I AM A MONEY MAGNET, THEY ARE MAKING MORE MONEY FOR ME AS WE SPEAKMIKES MOB, DFW NERD 1071, DFW LHS 132!MIRACLES HAPPEN I'VE SEEN IT WITH MY OWN EYES. LBM 0877240.69 Current outstanding total 36083.01 Paid so far = 41157.68
  • drewdrop
    congrats drewdrop!!! How William Wallace-esque "They can take our lives, but they will never take our Frrreeeeddddoooommmmm!!!!!!"
    Originally posted by determined new ms
    Hi, thanks guys / gals / androgenous, gutted by interest maybe lol, this forum is so supportive though, work colleages call me del-boy as I am always prattling on abour this site and ebay
    DEBT FREE 27th MAY 2010
    Paid off - o/d 2750, loan 23000 (11 mts early), CC @ 14000

    • d3mon4ngel
    • By d3mon4ngel 27th May 10, 3:15 PM
    • 366 Posts
    • 1,128 Thanks
    d3mon4ngel
    Congratulations Drewdrop!

    I've started my journey to the land of the debt-free life today... here's hoping things go to plan!
    ::: Total Paid Since LBM (27/05/10): 4639.85 Official Debt Gone!! :::
    That money talks, I don't deny, I heard it once, it said "Goodbye"
    ~ VSP2011: #104 ~
  • laura2481
    Wow, well done drewdrop! That is somes seriously impressive debt bashing
    • LexieLou
    • By LexieLou 27th May 10, 7:15 PM
    • 638 Posts
    • 1,093 Thanks
    LexieLou
    Wow, brilliant. Well done you. I love reading stories like this and it keeps me motivated.

    Good luck with your future.

    LL xx
    Sept 10 a day 150 / 300, 50% Oct 10 a day / 300 0%
    1% Challenge #53
    7.54 in sealed pot 10.05.18
    Tesco Vouchers 30.50
    EF #2 used, back to zero. EF #1 still in progress
  • drewdrop
    Congratulations Drewdrop!

    I've started my journey to the land of the debt-free life today... here's hoping things go to plan!
    Originally posted by d3mon4ngel
    Just a thought but some months don't, mine was my cat being ill, on the mend but vet bills are hard, I would def get pet insurance if I could go back as it would have worked out much better, then again if I could go back I wouldn't have debts in the first place lol. Just take the bad month(s) as they come and pay off a bit less, mentally every extra pound paid does make you feel better, good luck x
    DEBT FREE 27th MAY 2010
    Paid off - o/d 2750, loan 23000 (11 mts early), CC @ 14000

  • Bunnyinthelights
    WOW! Well done, impressive debt busting.

    *jealous*
    Empty pockets never held anyone back, only empty heads and empty hearts can do that -Peale
  • drewdrop
    WOW! Well done, impressive debt busting.

    *jealous*
    Originally posted by Bunnyinthelights
    hey daft bunny, everyones repayments are different, I rent a house and dont have kids so mine is a bit easier, saying that I have decided to save for a mortgage deposit so will be in 'good' debt soon(ish) x
    DEBT FREE 27th MAY 2010
    Paid off - o/d 2750, loan 23000 (11 mts early), CC @ 14000

    • empy
    • By empy 28th May 10, 11:04 AM
    • 322 Posts
    • 1,672 Thanks
    empy
    Congratulations. It's so inspirational to read when someone becomes debt free, I hope to become debt free by December this year or at the very latest early next year.

    empyx
    OS Grocery Challenge
    August 250/ [COLOR="Red"]103.44 left
  • Moneytroubles
    Thanks so much for sharing this! and a massive congratulations to you!!!! xxxxx
    6 debts cleared since joining MSE
    Remaining debts... Very / Halifax Loan/ A&L / Virgin cc / Lloyds / Sister
    Getting Married 04.12.10 - The MSE way
    Making this house a home
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