From -40K to debt free
Posted 23 February 2010 - 05:16 PM
I honestly think, had I not have met my (tight-arse ) DH when I did (I was only 16) - I could have EASILY ended up in a very similar situation (learning all from my mum - who is very much a "buy now, pay later" person, with no willpower and expensive taste ).
I feel very lucky that I met him when I did!
Jeremy ~ 23rd January 2007
Heidi ~ 29th April 2010
"I've got my Love and Family too. Nothing I'd change, I'm cool"
Posted 23 February 2010 - 05:47 PM
I lthink you have made a lot of us sit up and say, that i can get out of debt!
We have a credit card which has gotten out of control a little. so i may be emailing you to get your oh to help me out too
Posted 23 February 2010 - 06:29 PM
^l^ October 2003
Posted 23 February 2010 - 06:36 PM
Congratulations on an amazing effort to get rid of your debt and what a great OH you have by the sound of it. Hang onto him tight and good luck with the next debt-free phase of your lives.
Posted 23 February 2010 - 07:23 PM
Says a lot about your relationship too
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Posted 23 February 2010 - 07:40 PM
It's a great feeling isn't it!!! Such a relief.
I have a similar story to yours.. first one credit card, then 2..3... Then consolidation loan... then another credit card.. another consolidation loan.. Nightmare!!! I had to really learn that if I didn't have the money - I couldn't have the item, and to prioritise.
Now I am debt-free and it's awesome!
Huge props to you. You've really made a change in behaviour, and achieved what you set out to achieve!
Posted 23 February 2010 - 08:43 PM
This has helped inspire me to be more disciplined re saving for our house deposit. Giving up treats is hard but so worth it in the long run.
Posted 23 February 2010 - 09:28 PM
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Posted 24 February 2010 - 07:34 AM
We thought we were doing the right thing, there were times when we'd curse ourselves for the extra $8000 we had spent on furniture, but at the end of the day, we paid it off in 2 and a 1/2 years, we have a house that is furnished with terrific furniture and we're 100% back on track with "healthy debt" and paying it down.
If we hadn't of had that "bad debt" of paying off cars, credit cards etc, it wouldn't have made us realize the importance of paying down our mortgage at triple repayments.
I think it has now made us more money aware.
Well done on clearing your debt!!!
Posted 24 February 2010 - 08:13 AM
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Posted 24 February 2010 - 10:23 AM
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Posted 24 February 2010 - 11:52 AM
Financial management isn't something that comes naturally to most of us and all those wonderful and easy-to-get loan offers just make it worse. Your OH definitely sounds like a keeper too.
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