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Debt free in 2014!

Printed From: Black Hair Media Forum
Category: Lets Talk
Forum Name: Talk, Talk, and More Talk
Forum Description: In this Forum, the talk is about everything that can be talked about.
URL: http://Forum.BlackHairMedia.com/forum_posts.asp?TID=374089
Printed Date: Oct 19 2019 at 6:35pm


Topic: Debt free in 2014!
Posted By: alynxx
Subject: Debt free in 2014!
Date Posted: Aug 22 2014 at 7:40am
I just wanted to create a celebration thread! While I am by no means "balling" I have reached the milestone of being debt free for the first time in my adult life. That means no loan, no credit card, no car note, no mortgage, nothing! I was inspired by one of the threads created on BHM years ago (by BFD or Talia I think?) who at that point celebrated being debt free herself. 

It's taken me around two to three years of saving, consolidating my old loans and card payments into one big one which I had been paying what I could to make it. I also made sure that if I used my credit card I would pay it off each month in full as well as saved money each month which also went towards the final payment. I also got a small windfall from an unexpected source (they owed me big time tho Angry) which I used to clear the final small chunk).  I just wanted to share with y'all since this board was a big inspiration for me in so many things. This kind of financial freedom was just a dream to me a few years ago and now I have finally realised it. Big smileCryCryCryCryCry  

Sky the the limit now folks. 



Replies:
Posted By: CLCNY20
Date Posted: Aug 22 2014 at 7:41am
cograts, mama!


Posted By: Diane (35)
Date Posted: Aug 22 2014 at 7:41am
Congrats alynxxx and on the hair venture as well!!!!!!!!!PartyParty

Now let me hold couple poundsBig smile


Posted By: kerysdream7
Date Posted: Aug 22 2014 at 7:44am
Congrats!Clap


Posted By: Qualified
Date Posted: Aug 22 2014 at 7:46am
Now that's some big new! Congratulations!!!!


Posted By: smaison
Date Posted: Aug 22 2014 at 7:47am
Awesome, congrats!!


Posted By: afrokock
Date Posted: Aug 22 2014 at 7:51am
Congrats..

Now can I get a tenner till next week love?


Posted By: Missvw
Date Posted: Aug 22 2014 at 7:58am
Congrats SmileParty


Posted By: alynxx
Date Posted: Aug 22 2014 at 8:00am
Originally posted by CLCNY20 CLCNY20 wrote:

cograts, mama!

Thanks honey! Star


Posted By: alynxx
Date Posted: Aug 22 2014 at 8:00am
Originally posted by Diane (35) Diane (35) wrote:

Congrats alynxxx and on the hair venture as well!!!!!!!!!PartyParty

Now let me hold couple poundsBig smile

Thanks  Diane! I'm trying to hustle...lol.



Posted By: alynxx
Date Posted: Aug 22 2014 at 8:02am
Thanks everybody...I will do indivudal thanks a bit later as I can't keep up with y'all. 

To those asking for money go and find and ATM. Na look me. Stern Smile


Posted By: NuAttitude
Date Posted: Aug 22 2014 at 8:12am
ClapHugBeerParty  Congratulations!  I know how good it feels to be debt free for I was at one time.  I'm looking forward to that feeling as well.  Stay focused!  It's so easy to go back down that path once you have excellent credit.


Posted By: Brjasuga51
Date Posted: Aug 22 2014 at 8:16am

Good JobThumbs Up



Posted By: Princess_S
Date Posted: Aug 22 2014 at 11:20am
Congrats Dear. I'm working on mine too. Big smile


Posted By: purpulicious01
Date Posted: Aug 22 2014 at 6:24pm
Congratulations!

Can I ask how much total debt you paid off?

Regardless, that's a great accomplishment.


Posted By: naturesgift
Date Posted: Aug 22 2014 at 7:36pm
AWESOME! way to go !


Posted By: hauteshellbi
Date Posted: Aug 22 2014 at 8:33pm
That's a huge deal congrats boo!!!


Posted By: sugabanana
Date Posted: Aug 22 2014 at 8:37pm
congrats


Posted By: MsBMW
Date Posted: Aug 22 2014 at 8:44pm
Congrats my dear where is the old thread cant find it..


Posted By: mzsophisticated
Date Posted: Aug 22 2014 at 9:26pm
That is awesome


Posted By: DiorShowGirl
Date Posted: Aug 23 2014 at 4:42am
congrats...PartyBeerHandshake


Posted By: afrokock
Date Posted: Aug 23 2014 at 5:33am
Originally posted by afrokock afrokock wrote:

Congrats..

Now can I get a tenner till next week love?


helloooooooo



Posted By: ThoughtCouture
Date Posted: Aug 23 2014 at 12:49pm
yassssssssssssssssssss hunty!!!!!!!!!!!Clap


Posted By: Prtybrwneye_z
Date Posted: Aug 23 2014 at 2:24pm
Congrats! That is a great accomplishment.


Posted By: alynxx
Date Posted: Sep 27 2014 at 3:59pm
Originally posted by purpulicious01 purpulicious01 wrote:

Congratulations!

Can I ask how much total debt you paid off?

Regardless, that's a great accomplishment.


Sorry to bump this old thread but just saw all these responses from y'all.
 

I had a loan of about £13k but I'm sure I've paid back around £20k total over the years. Just different things, studies, shopping, holidays and just bad money management. But once I decided two or three years ago that I needed to clear it there was no going back! Big smile


Posted By: alynxx
Date Posted: Sep 27 2014 at 4:00pm
Originally posted by afrokock afrokock wrote:

Originally posted by afrokock afrokock wrote:

Congrats..

Now can I get a tenner till next week love?


helloooooooo



You ain't poor...how can you afford inannets. Stern Smile


Posted By: alynxx
Date Posted: Sep 27 2014 at 4:01pm
Thanks so much to everyone for your well wishes. It feels so good to not have to pay out a chunk of my monthly earnings to the bank! Now they keep trying to offer me new loans and increase my credit card limit. No sahh! 


Posted By: naturesgift
Date Posted: Sep 30 2014 at 5:23pm
so what did you do? how did you do this? what are the tips


Posted By: Soratachi
Date Posted: Oct 01 2014 at 1:03pm
COngratulatios!!


Posted By: Miss B
Date Posted: Oct 01 2014 at 1:31pm
I'm working on this right now, using the snowball strategy. 

Congrats to you!


Posted By: NuAttitude
Date Posted: Oct 01 2014 at 3:46pm
Originally posted by Miss B Miss B wrote:

I'm working on this right now, using the snowball strategy. 

Congrats to you!
Do share....curious minds would like to know.Wink



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