Finally cleared my credit card

[jollyjester]

I don't want to annoy anyone but I just wanted to tell someone that today I finally cleared the last balance owed on my credit card!

About five years ago my hours were cut in work and I just was randomly using my credit card to live. Three years ago I finally was brave enough to go through all my balances and I owed £6k.

I was meeting the minimum payments and wasn't able to switch to 0% interest for the full amounts so I paid extra where I could etc.

Today I finally cleared the balance and I'm over the moon. I need to set myself a strict budget now to make sure it doesn't happen again.

No one in RL, not even DH, knew how bad I had let it get, I couldn't face telling anyone so I'm determined going forward things will be better!

That's great news, congratulations!

Well done! It's a great feeling isn't it??

Excellent! I'm really pleased for you.

Congratulations, that's a great achievement.

WELL DONE
⭐️

Very well done!

Congratulations! It's a wonderful feeling!

Well done!!

Well done

Brilliant well done, feels great doesnt it ? .. I did that a few years ago , I would recommend you look at getting YNAB for setting a budget going forwards. Yes you do have to pay for it , but its really great .and definately worth it IMHO . I got it about 3 years ago and have never looked back .. we paid off the mortgage and I even have savings now!

oh and you can reset it to show £s rather than dollars ,

Congratulations! It's a massive achievement.

Fabulous news! Well done . I remember clearing (finally) my cc debt, donkey's years ago. I went into the bank and paid the final instalment, smiling broadly at the chap behind the counter whilst telling him that was the last of my payments. He looked puzzled and I later realised that lots of people clear their balances monthly so he didn't understand what a huge deal it was to me at the time. You must be hugely relieved - great feeling!

It's such a relief. I've just started back to work after maternity leave so I need to be careful as I budgeted so well during my leave that I cant let the extra money coming in make me feel like a millionaire!

I already meal plan but stupidly DH came grocery shopping and went a bit over board in the Lidl surprise aisles!

Ah well done ! Working towards clearing. Good mine at the moment. ..feeling determined

That's brilliant. Well done. Now try to put what you were paying off into savings. Holiday money

Well done! Good for you.

Jolly jester . come and join the friendly crew on the Frugaleers Thread We will keep you on the straight and narrow!

Congratulations OP! I've managed to get rid of 4 stupid loans I took out and now I'm onto The Final Loan and it's a big one- same as yours about £5000. I'm glad you posted because I can't see the end! I'm aiming to pay it off by early next year.

I'm so looking forward to the day I can clear mine - still got nearly 3 years left on it but I'm plugging along and throwing extra $$ towards it when I can.

Wow well done OP! I'm in the process of clearing mine, such a great feeling

Well done!

Thank you all! I'll join you on the frugaleers thread.

Yesterday my car broke down which in the past would have panicked me but I now have a small emergency fun for things like this without worrying about the debt as well.

. Well done