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  • FIRST POST
    • littleDOTS
    • By littleDOTS 14th Jun 19, 11:43 AM
    • 26Posts
    • 84Thanks
    littleDOTS
    I'm debt free!
    • #1
    • 14th Jun 19, 11:43 AM
    I'm debt free! 14th Jun 19 at 11:43 AM
    Hi everyone,

    it wasn't much of a diary as I cancelled my broadband to keep costs down which meant I couldn't log in. So I now have to let everyone know, a) because I'm pleased with myself and b) because I'm hoping to inspire others, that I am now debt free.

    I was credit card debt free on 30/05/18 (had started with about 6000) and then last year I began paying my sister back to the tune of 2600, or something in that ballpark, and finished in May 2019!

    When I signed up on here I stared with 10,000 in total debt which included 4000 for a car to my mum. I don't think I have gone into my overdraft at all this year (been very near it though!). I am in the black as they say!

    I was going to buy a bottle of champagne (Lidl's of course) but then my sister had a baby and then got married so there were other great things to toast but I really should celebrate.

    Keep going you guys, you will get there. Every little spend counts but be good to yourself along the way with treats that don't cost too much. If you are on here then your head is no longer buried in the sand but if you still have the "in for a penny in for a pound" mentality at all DITCH IT as that mentality got me in debt and ditching it is what got me here. I wrote down everything I spent and still do and it keeps an awareness going. I know how much things cost.

    It's a slow thing to pay off debt and it feels like you'll never get there but time passes and you will...just picture it!

    littleDOTS
    LBM July 2015 Debt Free 01/05/19
    [COLOR="Red"]2 cards 3800 now 0 CC debt free n 30/05/18
    [COLOR="red"]CAR Loan from MUM 4000 paid off April 2018
    loan from sister 2688 now 0
Page 1
    • BlackCoffeeNoSugar
    • By BlackCoffeeNoSugar 14th Jun 19, 4:13 PM
    • 447 Posts
    • 1,941 Thanks
    BlackCoffeeNoSugar
    • #2
    • 14th Jun 19, 4:13 PM
    • #2
    • 14th Jun 19, 4:13 PM
    Congratulations!

    What a great, and timely, post - I've been flagging this week, this has been a great reminder of the end goal
    Debt at Nov 2017: 8,619 Debt at Dec 2018: 4,161 Current: 1,295 Aim for Dec 2019: 0
    Pay ALL your debt off by Xmas 2019 #04 - 2,866 / 4,161
    • another casualty
    • By another casualty 14th Jun 19, 4:19 PM
    • 4,224 Posts
    • 7,070 Thanks
    another casualty
    • #3
    • 14th Jun 19, 4:19 PM
    • #3
    • 14th Jun 19, 4:19 PM
    • DancingInTheRain
    • By DancingInTheRain 14th Jun 19, 5:38 PM
    • 234 Posts
    • 816 Thanks
    DancingInTheRain
    • #4
    • 14th Jun 19, 5:38 PM
    • #4
    • 14th Jun 19, 5:38 PM
    Congratulations, what a lovely example of what can be achieved! Enjoy your debt free life xx
    01/06/19 Total Debt 13,636 11,400 16.40% PAID
    CC1 (0% to June 2020) 2,708/975 CC2 (0% to October 2020) 5,978/5,600 Family Loan 4,950/4,825
    • littleDOTS
    • By littleDOTS 14th Jun 19, 9:29 PM
    • 26 Posts
    • 84 Thanks
    littleDOTS
    • #5
    • 14th Jun 19, 9:29 PM
    • #5
    • 14th Jun 19, 9:29 PM
    Thanks guys!
    LBM July 2015 Debt Free 01/05/19
    [COLOR="Red"]2 cards 3800 now 0 CC debt free n 30/05/18
    [COLOR="red"]CAR Loan from MUM 4000 paid off April 2018
    loan from sister 2688 now 0
    • NeverendingDMP
    • By NeverendingDMP 15th Jun 19, 7:02 AM
    • 444 Posts
    • 1,548 Thanks
    NeverendingDMP
    • #6
    • 15th Jun 19, 7:02 AM
    • #6
    • 15th Jun 19, 7:02 AM
    Congratulations and well done. X
    35,213 - Jan 2018, 18779 remaining.
    Mortgage 77224- 72512 remaining.
    Make 2019- 2031/2019 EF =146
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