How I did it: Two credit cards and writing a lot of lists.
Card No.1 - for the things I NEED (important word)
Card No.2 - interest free - pay off as much as possible each month.
The lists - two of them - one for my current account (I know how much 'should' be left at the end of each month - and the second for my current spending on the Card No.1 (see above). When you write it down, it scares you how much you're spending. So you cut down. The opposite of 'out of sight, out of mind.' When it's in your face the whole of time, you eventually start thinking "Do I really need it?" The answer is usually no.
Took a couple of years cos we run two cars and have four kids but we got there. Just the mortgage to go now. Read how I did it… 1 week ago
I have slacked a little but I’m here with renewed focus. I just paid off a balance of one credit card, and next months pay will see another one completely cleared, my ipad payments cleared completely, and a chunk paid off the final credit card so that I can balance transfer it to a new 0% on balance transfers for 20 months deal. However, I’m going to try and pay it all off in two months, leaving me 3 months to go till my debt free date!
Once that’s happened, I’m going to start saving with earnest so I can buy a home, hopefully next summer! 1 month ago
2 more payments before car gets paid off… 4 months ago
I still have some debts left over from the earlier part of this year. I haven’t paid them yet because I’ve been in a tight spot lately. Of course, I’m the breadwinner of the family so I’m expected to help out. It’s all right though. I’ll be able to pay it back once I’m good and ready. 6 months ago
I would be so happy to reach my goal and pay off my debts i want to be debt free 8 months ago
My debts are not so bad. I have four, but I am struggling to find who to contact to deal with it. 10 months ago