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  • 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 79
    • villemo84
    • By villemo84 20th Aug 16, 9:56 PM
    • 4 Posts
    • 24 Thanks
    villemo84
    Long time lurker finally debt free!

    Took a while for the stuff to sink in...

    a. The date of your lightbulb moment - I had a debt awareness for quite a long time though other life circumstances meant that decided to tick along until I could do something about. LBM as in formulation a plan of action - July 2014
    b. Debts at their highest - 19,777.53
    c. Debt-Free Date 24 June 2016
    d. Your one perl of wisdom.
    Keep going even if you cannot make a dent in the debt just yet. At my worst, from December 2013 to June 2014, I knew I was going under by extra 400 a month, partially paying mortgate instalments from my overdraft, though at that time I decided to concentrate on other aspects (family matters and qualifications), knowing I will be able to make a start as soon as the qualification will be sorted.

    e. Links to the MSE guides that helped you - debt free forum, going through other people's SOAs and comments was very useful
    f. Which forum threads helped you - StressedSteph's diary, INOD's diary and Kate_fixing_it's diary were particular inspiration in the toughest parts before I could make a dent in the debt
    Debt at the start of the journey (31/08/2014): £19,777.53
    DFD 24 June 2016
    2016 is THE year!!!
    • blu3sky
    • By blu3sky 26th Aug 16, 11:12 AM
    • 26 Posts
    • 38 Thanks
    blu3sky
    Another long-time lurker finally debt-free!!!! Can't believe it's my turn to post here

    Lightbulb moment: April 2015, pushing credit limit on a card that I'd gotten for 'emergencies only'...

    Debts at their highest: £2700- felt like a lot as a student working part-time in London!

    Debt-Free Date: 26th August 2016
    I've also saved £2000 in a Help to Buy ISA so I could have paid it off a bit sooner but I found saving at the same time as paying off debt really motivating!
    (my debt was 0% so that's why I broke Martin's rule of paying off debts before saving )

    Pearl(s) of wisdom:
    Track your spending
    There's a reason why this is a pearl of wisdom for so many people! It's really hard to cut back/set a realistic budget if you don't have a good grasp of how much you are actually spending. I used YNAB ('You need a budget' budgeting software), which I would highly recommend, but a paper spending diary/spreadsheet/counting up receipts would work too. The important thing is facing up to the truth of how much those top-up shops/flat whites/Diet Cokes/lunchtime trips to Boots/are costing you

    Baby steps are ok
    I started out by trying to pay off massive chunks of debt at a time and would give up completely when I inevitably had to spend back most of what I'd paid off... Remember that it took a while to build up the debt so it's ok if it takes a while to pay it back! To start with, I focused on one thing each month, e.g. keeping my grocery spending to less than £80 or only buying lunch once a week. Once you've had a few successes then you'll feel more confident and less inclined to give up when things don't go quite to plan.

    Links to the MSE guides that helped you
    Switched using the Cheap Energy club, Help to Buy ISAs guide, The Demotivator tool

    Which forum threads helped you
    Everything on the Old-Style board, especially the monthly Grocery Challenge. Reading through all the comments on SOAs, lurking on people's Debt-Free diaries...
    Debt Free since 26/08/2016

    H2B ISA £2000
    • lsmcal1984
    • By lsmcal1984 2nd Sep 16, 10:33 AM
    • 4 Posts
    • 13 Thanks
    lsmcal1984
    Fail to plan, plan to fail
    The date of your lightbulb moment: mid-2011 when I knew I couldn't carry on living from salary to salary and never having any savings.

    Debts at their highest: £50k, a lot from my early 20s: including very high interest London Scottish loan with CCJ; several high interest credit cards (Vanquis, Aqua, Capital One) and a high interest Co-op bank loan (25%) - due to CCJ; £8k student loans (from 2002); several defaults on Payday loans; GAINs on two high interest store cards and defaults; Hire Purchase account with £3k balance and 50% APR; 25% APR overdraft.

    Debt-Free Date: 26th July 2016

    Pearls of wisdom:

    Fail to plan, plan to fail: If you don't track your spending with a budget and set yourself spending limits then you'll never regain control to become debt free.

    Do you research: Two books - Simple Wealth and The Money Secret - really helped me understand how money snowballs both with debt and savings - the secret is using interest to your advantage, and not "keeping up with the Joneses".

    Understand the true cost of any debt you will take on: And how much you will actually pay back.

    Examine every debt you have and challenge it: I had several debts and defaults written off through negotiation, and others I had interest frozen. Some people say its controversial but when procedures weren't followed, the debts are technically unenforceable. It's a lot of effort but it can pay off and save you thousands:
    My bank loan had £2.5k interest refunded because they hadn't sent an annual statement to me as required under the Credit Consumer Act.
    The London Scottish Loan turned out to be unenforceable when I challenged their endless spamming letters, and it was written off.
    I got a few over the limit charges on Vanquis, that I successfully had refunded when I requested them.
    I got my bank charges refunded when I challenged the bank
    You have to muster the energy to take control.

    Links to the MSE guides that helped you: Help to Buy ISA, Energy Switching, Coupons

    Which forum threads helped you: Grocery Challenge, Debt Free Wannabe

    And finally, remember this: Debt is a terrible master but an excellent servant.
    • pineconesjay
    • By pineconesjay 9th Sep 16, 1:54 AM
    • 54 Posts
    • 81 Thanks
    pineconesjay
    Lightbulb Moment: I'd have to say I finally got really serious about debt paying around 26 December 2015. It has always been one of those things that I was 'trying' to do - trying to get out of debt - but starting 1 January 2016 was when I really kicked it into gear.

    Debts at their highest: I started the year with $7,500 in debt, but before that we had been in debt for 10 years, sometimes as high as $25,000AUD, but it went up and down a lot. (Yes, trying to get out of debt while also accumulating more on a different card, sigh)

    Debt Free Date: 9 June 2016.

    Pearls of Wisdom: Cut up the cards, don't add more debt. Keep an Emergency Fund. Don't pay more towards your debt than you can afford - if you get too enthusiastic and end up having no money for groceries then you've paid too much. Read, read, read, to keep you motivated. (Read Mr Money Mustache - Your Debt is an Emergency). Plan, plan, plan, to keep you on track. Visualise your life without debt. Live frugally. Buy second hand items, but only if you really need them. Healthy foods are cheaper than junk foods. Cook from scratch as much as possible.
    Last edited by pineconesjay; 09-09-2016 at 1:58 AM.

    15/5/18
    Car Loan $9,600
    Other Loan $5700
    Tax Debt $7770
    Total Debt: $23,070
    • naff123
    • By naff123 14th Sep 16, 8:57 PM
    • 212 Posts
    • 336 Thanks
    naff123
    The date of your lightbulb moment 2012 it took 1 or 2 attempts to get going after getting stung by an expensive DMP that charged £25 a month on debt payments of £126.00 and with losing jobs etc but persistence paid off. Also found it incredibly hard to keep motivated whilst battling depression

    Debts at their highest - 2011 about £7500-8000

    Debt-Free Date 14/09/2016

    Your one perl of wisdom.
    If you haven't got the money don't buy it! Save up, the balance builds quicker than you think with a bit of careful buying and finding bargains, reducing your bills! Also just because you want something now will it still be useful in 2-5 years? If the answer is no then you could probably go without! Finally for the love of god please please please do not bury your head and ignore it because then the balances increase and pressure builts and something has got to give and 99% of the time it'll be you that breaks

    Links to the MSE guides that helped you - I wish I knew about some sooner I can't think of any off the top of my head sorry

    Which forum threads helped you
    - Self Employment, Debt Free Wannabee and Freebies
    • Gazza1964
    • By Gazza1964 15th Sep 16, 7:25 PM
    • 317 Posts
    • 209 Thanks
    Gazza1964
    Got the letter from Stepchange today.....

    "Congratulations! You're debt free"


    Lightbulb moment: July 2012

    Debt at highest: £16119

    Debt-Free Date: September 2016

    Pearl of wisdom: I don't really know. I have been lucky to have been supported by my partner, to have found this website and to have been directed to Stepchange. I cant tell you anything you don't already know by finding your way here.


    Thank you to everyone.
    • C&S
    • By C&S 19th Sep 16, 7:26 PM
    • 1 Posts
    • 16 Thanks
    C&S
    Debt free 1st Nov 2016!
    Lightbulb Moment: March 2011 - realised that our outgoings were now going to be more than our income. Stupidly thought about taking on more debt to consolderate our credit cards into one smaller payment that we would have paid for years. Then phoned Payplan and an advisor told me how credit card companies work and how to move forward which in our case was a DMP.

    Debts at their highest: brace yourself! £72,210.62 (mine and wife's credit cards)

    Debt Free Date: 1st November 2016

    Pearls of Wisdom: Don't have credit! No debt equals less bills to pay so you'll have the money to save for something quickly. But If you do & transfer your credit card balance to a better deal to save money, cancel the original card. You'll just spend on the original one too and end up with 9 cards like we did!

    It's been a long road and I remember seeing posts on forums where people were about to or had just become debt free and just couldn't imagine it. The thought of being debt free gave a similar feeling to imagining winning the lottery. In just 6 weeks we'll be there and then we can start living our lives! It is possible even with £70k of debt!!
    • SpekySquarehead
    • By SpekySquarehead 29th Sep 16, 9:48 AM
    • 1,910 Posts
    • 15,356 Thanks
    SpekySquarehead
    Lightbulb Moment:
    Valentines Day, 2016. I went overboard in spoiling my GF in an attempt to maintain the lifestyle that the money on my CC’s made me look like I had. As I handed her various gifts in the room of a fancy hotel I was getting a sinking feeling just picturing the amount on my CC’s.

    Debts at their highest:
    Just over £5k

    Debt-Free Date:
    Today, 29th September 2016

    Your one perl of wisdom:
    YNAB. I read a lot of good reviews and thought it was too good to be true. I dived right in with their podcasts, webinars, user guides etc and it completely transformed how I look at money and soon brought me out the depressed state I was in as I felt in control.

    Links to the MSE guides that helped you:
    The Daily O/S Thread where everyone was super friendly and helpful every morning. It’s my new routine;
    http://forums.moneysavingexpert.com/showthread.php?t=5532898
    What small DFW things will you do this week;
    http://forums.moneysavingexpert.com/showthread.php?t=5531312
    No Spending Turtles;
    http://forums.moneysavingexpert.com/showthread.php?t=5517424

    And if you had a debt diary on the Debt-Free Wannabe board (DFW), a link to it:
    My Debt Free Diary, and what will be my savings dairy;
    http://forums.moneysavingexpert.com/showthread.php?p=71375204#post71375204
    Debt Free Date: 29/09/16
    • eco farmer
    • By eco farmer 30th Sep 16, 9:39 AM
    • 110 Posts
    • 410 Thanks
    eco farmer
    The debt is gone !!!!!!!!!!
    5 Yrs ago after some big ticket spending we were informed/realised that our DS was drowning in the state sector. so we have faced 5 yrs of paying school fees whilst paying down the debt on variable self employed incomes.


    we are very blessed in our avg incomes but there have been some real dark days and frustrations along the way.

    debt at its highest was over 15K
    This site has been a real inspiration i have followed much of the advice I have read on here and its kept me going at times when the debt seemed to be going the wrong way.


    My real reason for posting is to thank the following dairy keepers for taking the time to regularly post their ups and downs. They are a true inspiration to those whom follow them.
    cazmanian_minx

    Brogden

    Safehouse

    Stressed Steph

    NoOneAround

    Ali OK

    misstara

    -please-let-me-be-lucky

    and finally this thread itself.Dreaming of being able to post on here myself has been a real motivator. To everybody still on your Debt free journey keep on keeping on you will get there!


    eco
    debt free 1st October 2016
    • NewcastlePaul
    • By NewcastlePaul 1st Oct 16, 1:41 PM
    • 142 Posts
    • 330 Thanks
    NewcastlePaul
    Debt free after 12 years !!!!
    Lightbulb moment - 31st December 2004


    Debt at Highest - £128,596.72


    Debt free Date - 1st October 2016


    Pearl of Wisdom - Don't gamble, don't bury head in the sand, Don't bottle everything up. Tell someone !!!


    Helpful sites - This forum, Stepchange,


    I contacted Stepchange and today after 12 years of a DMP I am finally debt free. I was also lucky enough to have the light bulb moment to claim back the PPI below. I then used that cash to make Full & Final offers and clear nearly 43k worth of debt




    Current PPI Status as of 1st September 2016

    £9,262 Cheque Received (Lloyds Tsb)
    £8,190 Cheque Received (Barclays)
    £5,708 Bank Transfer Received (HSBC)
    £1,536 Cheque Received (Bank Of Scotland)
    £1,122 Cheque Received (Barclaycard)
    £0,625 Cheque Received (MBNA)
    £0,557 Cheque Received (Barclaycard - MS)
    £0,206 Bank Transfer Received (NRAM)
    £0,028 Cheque Received (Capital One)

    £0,317 Cheque Received (Goldfish)

    £1,906 Balance Reduced (NRAM)
    £0,563 Balance Reduced (Monument)


    £27,567 - Total Received So Far
    £02,354 - Total Offset against Balances
    £29,921 - Grand Total




    I am today as of 1st October 2016 my last Stepchange DMP Payment has left my account and I am totally debt free.


    I never ever thought this day would come and I am so grateful that I discovered Stepchange (CCCS then) and this board.


    It helped me get my life back and I will never ever forget that.


    Cheers all
    31st December 2004 - Debt was £128,596.72
    1st October 2016 - Debt Free
    12 years of Stepchange + PPI +F&F
    http://forums.moneysavingexpert.com/showthread.php?t=4862915
    • daveg10
    • By daveg10 4th Oct 16, 10:15 AM
    • 4 Posts
    • 25 Thanks
    daveg10
    Its Over!!
    Hi, well last payment went out on 26th September and all being well that's it no more DMP!

    Lightbulb Moment December 2009

    Debt at highest £44,500

    Debt Free Date Now hopefully!!

    Pearl of wisdom read these forums for invaluable advice, support and information. Don't be scared or bullied by banks and corporations!

    Helpful sites This one, payplan, stepchange

    Actually ended up paying back £47,600 due to some interest added by certain creditors and knowing what I know now I simply wouldn't have paid them anything until interest was stopped, accounts were defaulted and passed on. But you live and learn and my wife and I have most definitely learnt our lesson!
    Last edited by daveg10; 04-10-2016 at 10:18 AM.
    • Ellieseleven
    • By Ellieseleven 5th Oct 16, 7:03 AM
    • 2,106 Posts
    • 6,792 Thanks
    Ellieseleven
    Well done to each and everyone of you who has reached your debt-free goal. I take my motivation from you all, you are truly inspirational.

    Thank you
    Ellie x
    Debt Free 1st March 2017
    Saving for Xmas 2017 #1 £548/ £732
    DFBXMAS 2017 #18 £1978/1,978 100%
    EF #142 - 1027/1000
    • memberme
    • By memberme 10th Oct 16, 2:14 PM
    • 200 Posts
    • 51 Thanks
    memberme
    Debt free in December 2015, but forgot to post it here. Nice feeling and a hard drive to get here, but worth it in the end.

    Good luck to all
    • thatchamlad
    • By thatchamlad 10th Oct 16, 2:38 PM
    • 65 Posts
    • 19 Thanks
    thatchamlad
    a. The date of your lightbulb moment 1st October 2016
    b. Debts at their highest - Over£100,000
    c. Debt-Free Date - Apr 2021
    d. Your one perl of wisdom- Denial is the mother of all evil. Owing money is not a crime and its not life or death, its just one of those things. Make a plan, stick to it and every time you pay a part of a debt its a step closer to freedom.
    Last edited by thatchamlad; 10-10-2016 at 7:34 PM.
    • Jonzo
    • By Jonzo 19th Oct 16, 4:35 PM
    • 3 Posts
    • 4 Thanks
    Jonzo
    Debt free all my life
    I'm starting with one huge assumption, namely that having a mortgage does not count in this meaning of debt free. If that is the case then I can proudly. Say that I have never been in debt. From my paper round at 12 until two months ago when I retired from full time work, I have always had a job, had savings and never been overdrawn. Yes I did have a mortgage but paid that off at 55 and never remortgaged in order to fund extensions/holidays/cars etc.

    I was one of the lucky ones though. Going to university in the 1970's meant no tuition fees and a nice grant. Add to that the proceeds of working every holiday cleaning in a hospital and I left university solvent and able to buy a motorcycle as I embarked on my first full time job. Since then I have prided myself on never being overdrawn and when I have bought big items such as a car I have saved then bought. That meant second hand cars until I was 52 but the upside was always being solvent. I wish the young generation now had the same opportunities to go to university without incurring debt . They have been let down, not by my generation but politicians and policy makers.
    • Willowpop
    • By Willowpop 21st Oct 16, 5:24 PM
    • 820 Posts
    • 2,386 Thanks
    Willowpop
    Hello!
    Didn't know about this thread until just now.
    LBM sometime early in 2013, debt free June 2016
    Paid off over 11k.

    Feels so good to be debt free at last. !!!128512;!!!128512;
    PAYDBX 2016 #55 100% paid! Officially bad debt free...don't count my mortgage.
    Now to start saving...it's a whole new world!!
    • QuietOne
    • By QuietOne 21st Oct 16, 7:42 PM
    • 125 Posts
    • 115 Thanks
    QuietOne
    a. The date of your lightbulb moment: 2008 when my outgoings were through the roof

    b. Debts at their highest: around £32k

    c. Debt-Free Date: 21/10/2016

    d. Your one perl of wisdom: it is really tempting to borrow money to get the things you want. Don't, saving up makes it more worth while.
    Littlewoods £0/£750
    Barclaycard £0/£1,000 @ 0% Nov '18

    Goal: To be debt free by Oct' 31st 2016.

    Now debt free!!!
    • TimeToDoIt
    • By TimeToDoIt 21st Oct 16, 11:15 PM
    • 214 Posts
    • 475 Thanks
    TimeToDoIt
    Yeah I guess I should be here too!
    Woo
    ~~I am debt free~~
    • Seasidegal58
    • By Seasidegal58 22nd Oct 16, 2:14 PM
    • 1,906 Posts
    • 11,681 Thanks
    Seasidegal58
    Date of lightbulb momonet: Non secured debt - Flickered in January 2014; full beam in April 2014; spluttered and died in October 2014 and generator kicked back into action in April 2015!

    Debt at highest
    !!!8211;Non-secured debt - £33,000 in January 2014.

    Debt free date !!!8211; Mortgage !!!8211; June 2016; Non-secured debt !!!8211; July 2016 (though c.£11,000 was paid via compensation payment via work).

    Pearls of wisdom !!!8211; Budget, budget, budget !!!8211; I use YNAB and have found it invaluable, though plenty of people on here use different systems or their own spreadsheets. Whatever works for you - use it! Also don!!!8217;t give up when you fall off the wagon !!!8211; it will happen occasionally !!!8211; just get back on and continue the ride! I fell off, got very low about it, stopped debt busting and missed some vital months when I could have been clearing things down.

    Which Forum Threads Helped You !!!8211; So many but the major one has to be Debt Free Diaries for all the support and advice. Would thoroughly recommend any DFW to start a diary even if it is just to record your own thoughts.

    My Debt free Diary was called - "Scrimping behind the scenes - with debt of £31,000" Link to my current diary below in my signature.
    Last edited by Seasidegal58; 22-10-2016 at 5:14 PM.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Ad Hoc Savings - 16/05/2018: £621.59
    MONTHS TO RETIREMENT: 36!
    My diary: “Paid off the £31,0000! BUT- still scrimping!”
    • Onmyway2
    • By Onmyway2 27th Oct 16, 1:22 PM
    • 229 Posts
    • 1,351 Thanks
    Onmyway2
    I'm debt-free! (How do I get my little sticker?)
    a. The date of your lightbulb moment
    A couple of years ago I started using YNAB as I was struggling to pay the bills, I knew I had debts dating back to 2009 but until it was all laid out before me I really didn't know how serious it was.
    b. Debts at their highest
    Say it quickly - £22,500
    c. Debt-Free Date
    Today! Got my final credit card bill of £14.60, paid it off!!!!
    d. Your one perl of wisdom.
    Stay focused and do whatever it takes. Every penny counts. Also, try comping - free hobby that can provide you with some very nice treats (I won a holiday & quite a few days out I couldn't possibly afford).
    e. Links to the MSE guides that helped you
    Martins demotivator tool can be a slap in the face but that little print out can certainly stop you spending.
    f. Which forum threads helped you
    I'm a long time lurker & occasional joiner of the ninja turtles and make £10 a day.


    Thanks to all the MSE-ers who have helped and/or put a smile on my face over the last few years. I will now be carrying on with the challenges in hope of saving a deposit for a house.
    Onwards and upwards.....
    2018 wins: Months gym membership, 2 books, 10p from the Humming Bird, £25 cash & cricket tickets
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