Happy Christmas to you perston, and also to all of our other visitors and members.

In case anyone reading this is wondering, the forum will be attended by the "experts" throughout the Christmas and New Year period so please don't be put off from asking any questions that you might have. The site advice team will also be available on the standard working days between Christmas and New Year.

Happy Christmas to everyone!

Even though I'm still in the "pre-protection" phase, this will be the first Christmas for years that I'll be able to enjoy it without constantly thinking about money worries. I was getting used to thinking about debt when I opened my eyes on Christmas morning. Seriously.

Thank you TDA, the experts and everyone on here for your advice and support. This really is a great resource.

And Merry Christmas to my old friend MBNA too. Or should that be Bah Humbug. Despite having had over ?ú20,000 in interest from me over the years, they sent me a letter today asking me to cut up my cards because they don't want to be my friend any more. A thanks for my previous custom and all the money I sent them over the years would have been nice. Ah well. At least that's one less Christmas card I need to send. I'm keeping better company these days anyhow 😉

And to those still thinking about a TD, make 2011 the year you take action, whatever that may be. Believe me, your debts simply don't need to rule your life - take control back - it's easier than you think.

Cheers and Merry Christmas!

DebtFreeWannabee

couldnt agree more with you debtfreewannabe everything you have said is exactly how i had felt this is first christmas i won't be worrying about paying christmas back before it happens Merry Christmas to everyone

Hi all

Would also like to to wish all members of the forum, TDA and all of the experts a merry christmas. Find myself echoing the sentiments of DFW once again (perhaps becuase we are at same stage of the trust deed process). Recent christmases haven't been about what they should be about as I was finding myelf worrying about the debts that I have. Now, I still have the debt, but I have now decided to do something about it instead of burying my head in the sand and hoping that things would work out. I have no doubts that 2011 will turn out to be a more positive year than previous years and hopefully this will be the same for all of the members of this forum.

Anyway got to go, all this positivity, I am feeling quite light-headed.

All the best everyone.

Cheers folks, and merry christmas to you too. Good to hear so much positivity around - all the best for the new year to you all.

Yeah, hope you all had a good xmas, and all the best for the new year. After a miserable few years and the break up of my marriage (made things very complicated!) I am 29 days away from my final payment, which I can hardly believe ! At times its been a huge struggle and I've found myself virtually penniless due to the break up and the knock on from that.

Never, ever wilI be Mr Scattercash again ! A hard lesson, but a very fair one.

Great web site guys !

Hi just so

Glad we can help and hopefully assist in 2011.

Congratulations on getting to the end of the TD.

Mark