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Topic starter
31/01/2015 7:54 pm
Well it's been a while coming, but tomorrow marks the day of what should be my final payment. 42 of 42 complete. I actually made my last combined payment in December, so this is simply a mile stone in reaching the end. I'm so looking forward to the next steps both in the TD process and in life. A lesson has been learned #128515;
SkintAlly
Topic starter
31/01/2015 8:01 pm
For anyone curious, the #128515 is supposed to be a smiley face 🙂
SkintAlly
31/01/2015 9:43 pm
Congratulations Ally in meeting all your payments, it's a huge relief to be debt free don't think we will ever forget it. It does make you centre on what you want and what you actually need.
Wish you all the best for your life ahead.
From our prospective its a second chance at a stress free financial life which to this day years on we continue to be debt free (apart from our car loan) with savings growing in the bank.
This post is not by any way 'a look at me' meant in a bad way, the opposite in fact. There is a financial future to come again, once you recognise you are in a financial mess and take that first step to getting help with it.
For some it's a pride thing to ask for help for others it's a head in the sand but there will come a time when you realise that it has to be done no matter how your personal situation came about there is help, there is hope, and there definitely is an end.
Sorry for derailing your topic Ally think its relevant to give others hope. Well done again a wee celebration on the cards soon?
Twizzle
Completed 3yr TD Sept '12 discharged Sept '12. Trustee discharged Jan '13
Building up savings.
Topic starter
31/01/2015 10:32 pm
No worries at all with the post and thanks for the positive comments Twizzle, I know exactly what you mean.
I was never happy about signing a TD but it really was the only way of claiming my life back. They only problem I have these days is justifying a purchase. I do feel that I owe my family something for being patient with the TD, but they'll not be getting it though until the money is saved and the bank lol.
Ally
SkintAlly
01/02/2015 9:15 am
Hi SkintAlly
Great post and well done in reaching the end.
A mysterious title finished off with that mysterious number, but all was explained in the end.
All the very best for the future.
Mark
Mark is not posting regularly in the Trust-deed.co.uk forum.
01/02/2015 10:27 am
Well done SkintAlly.
I hope you can quickly move on from here.
Qualified Debt Adviser & Forum Administrator - Ask me anything about Trust Deeds 
02/02/2015 9:45 am
Well done SkintAlly, I hope we can still look forward to hearing from you from time to time as ComfortableAlly instead!
Scottish Debt Solutions Expert - Ask me for help setting up a Scottish Trust Deed or Debt Arrangement Scheme plan.
02/02/2015 11:11 am
Well Done on successfully completing your Trust Deed SkintAlly!
A really useful summary as well Twizzle for people only just starting out.
Best wishes for the future.
David is not currently posting in the Trust-Deed.co.uk forum
Topic starter
02/02/2015 11:40 am
Hi Mark, TDA, Kevin and David, thanks for the comments and thanks for the support and advice offered over the years as well. I'll be sure to stick around on the forum(will need help with the credit file part)and as much as I'd love to be ComfortableAlly Kevin, I'm sure my wife and daughter will do their best to ensure that SkintAlly remains 🙂
Thanks again
SkintAlly
