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  • FIRST POST
    • livinginhope
    • By livinginhope 10th Nov 17, 11:59 AM
    • 1,805Posts
    • 1,716Thanks
    livinginhope
    Debt free!!!
    • #1
    • 10th Nov 17, 11:59 AM
    Debt free!!! 10th Nov 17 at 11:59 AM
    Just have to make this announcement ,after 11 years with Payplan on a DMP we are finally debt free! We had debts totalling 100k after much soul searching and a health wake up call,we sold up,downsized,negotiated and finally paid the last debt off last week.For the first time in 11 years i can sleep easy in my bed and can plan for the future.So very happy,would like to thank all who have helped me along the way and i really don't know how i would have coped if i hadn't clicked on this site,i can honestly say it has saved our lives,thank you xxx
Page 1
  • National Debtline
    • #2
    • 10th Nov 17, 12:15 PM
    • #2
    • 10th Nov 17, 12:15 PM
    Hi there livinginhope


    That is great news, congrats and well done on seeing it through. All the best with your future-planning :-)


    Dennis
    @natdebtline
    We work as money advisers for National Debtline and have specific permission from MSE to post to try to help those in debt. Read more information on National Debtline in MSE's Debt Problems: What to do and where to get help guide. If you find you're struggling with debt and need further help try our online advice tool My Money Steps
    • My Own Back Door
    • By My Own Back Door 10th Nov 17, 12:22 PM
    • 14 Posts
    • 20 Thanks
    My Own Back Door
    • #3
    • 10th Nov 17, 12:22 PM
    • #3
    • 10th Nov 17, 12:22 PM
    What an incredible feeling that must be. Congratulations on your hard work and perseverance!
    • Trainerdave121
    • By Trainerdave121 10th Nov 17, 12:24 PM
    • 1 Posts
    • 1 Thanks
    Trainerdave121
    • #4
    • 10th Nov 17, 12:24 PM
    • #4
    • 10th Nov 17, 12:24 PM
    Wonderful news and an inspiration to us all. Well done again
    • datlex
    • By datlex 10th Nov 17, 12:26 PM
    • 1,600 Posts
    • 1,492 Thanks
    datlex
    • #5
    • 10th Nov 17, 12:26 PM
    • #5
    • 10th Nov 17, 12:26 PM
    Fantastic news. Here's to a debt free future.
    • enjoyyourshoes
    • By enjoyyourshoes 10th Nov 17, 12:31 PM
    • 1,047 Posts
    • 1,281 Thanks
    enjoyyourshoes
    • #6
    • 10th Nov 17, 12:31 PM
    • #6
    • 10th Nov 17, 12:31 PM
    Great

    Now start utilising the collory to what got you in the position first.

    Regular savings with the money you were previously utilising to clear the debt and look at the opportunity for highest interest rates with bank accounts.

    Look into pensions with employer or SIPPs

    Don't let the hard work of the past just stop as you are debt free, go forward with the same planning and application to build a future on saving for the next goal.
    Debt is a symptom, solve the problem.
    • StopIt
    • By StopIt 10th Nov 17, 12:35 PM
    • 1,395 Posts
    • 1,249 Thanks
    StopIt
    • #7
    • 10th Nov 17, 12:35 PM
    • #7
    • 10th Nov 17, 12:35 PM
    Congratulations!


    Remember to post your entry into the Debt Free Roll of Honour here: http://forums.moneysavingexpert.com/showthread.php?t=291326


    And yes, now use the same drive to get debt free to not only make sure you don't end up back in debt, but save for your and your families future.
    I'm a Board Guide on the Debt Free Wannabe, Credit Cards and Loans boards. I volunteer to help get your forum questions answered and keep the forum running smoothly. Any views are mine and not the official line of moneysavingexpert.com. Board guides are not moderators. If you spot an inappropriate or illegal post then please report it to forumteam@moneysavingexpert.com

    In debt and looking for help? Look here for the MSE Debt Help Guide.
    Also, If you need any free and impartial debt advice, the National Debtline, Stepchange, and the CAB can help.
    • livinginhope
    • By livinginhope 10th Nov 17, 2:04 PM
    • 1,805 Posts
    • 1,716 Thanks
    livinginhope
    • #8
    • 10th Nov 17, 2:04 PM
    • #8
    • 10th Nov 17, 2:04 PM
    Trust me we will never get into debt again,it wasnt really our fault to start with,we had a series of horrific events that led to the debt,car crash,redundancy and a massive house fire with which we were underinsured ,it was actuthe bank's idea to max out everything possible to repair the house and then seek advice in paying it back,which we have now done
    • Smoke
    • By Smoke 10th Nov 17, 2:32 PM
    • 13 Posts
    • 10 Thanks
    Smoke
    • #9
    • 10th Nov 17, 2:32 PM
    • #9
    • 10th Nov 17, 2:32 PM
    Awesome livinginhope You've given me some hope lol congrats
    • rockabillygirl
    • By rockabillygirl 11th Nov 17, 6:24 AM
    • 140 Posts
    • 762 Thanks
    rockabillygirl
    Congratulations. Amazing to of reached the end of your debt journey x
    It will all be ok in the end - if it's not ok, then it's not the end!
    Saving for Xmas 2018 #27. :
    Sealed pot challenge #32
    Mortgage paid off.
    • tealady
    • By tealady 11th Nov 17, 7:36 PM
    • 2,773 Posts
    • 3,306 Thanks
    tealady
    Congratulations, it's a lovely feeling isn't it.
    Hope you can now save for your dreams .
    Proud to be an MSE nerd
    Judge people by their achievements, not by their mistakes
    • Happierdays
    • By Happierdays 11th Nov 17, 9:41 PM
    • 154 Posts
    • 469 Thanks
    Happierdays
    Brilliant...congratulations and very well done you!
    • Max and sasha
    • By Max and sasha 12th Nov 17, 1:59 PM
    • 77 Posts
    • 59 Thanks
    Max and sasha
    That's great news well done, gives the rest of us great encouragement to keep going until we reach our debt free day!!!

    Well done again

    Max
    • Bedsit Bob
    • By Bedsit Bob 12th Nov 17, 4:10 PM
    • 10,195 Posts
    • 54,766 Thanks
    Bedsit Bob

    It's a good feeling, isn't it?
    My job is Top Secret. Even I don't know what I'm doing.

    Amount I have so far denied the BBC - 1308

    Who are you to question why your god doesn't want me to believe in him?
    • whattodo1967
    • By whattodo1967 13th Nov 17, 11:08 AM
    • 76 Posts
    • 97 Thanks
    whattodo1967
    Well done what an achievement, cannot wait to be able to post the same. Enjoy
    LBM April 2012, started Dmp with Stepchange June 2012 47k Proud to finally be dealing with our debts
    Jan 18 - 13 more payments to go
    Feb 18 - 12 more payments to go
    Mar 18 - 11 more payments to go
    Apr 18 - 10 more payments to go
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