Debt free!

[DJerba]

i can pay my credit card off by June next year if I dont spend on it and pay off approx �500 a month which i can just about afford to do! any hints or tips to

a) staying debt free
b) sticking to the debt repayment!

[mrs_overall]

Top tip - cut the card up & throw it in the bin

[pug100]

Hi,
I found this website a very useful source of information

http://www.fool.co.uk/money-saving-tips/money- saving-tips.aspx

Also this one

http://www.moneysavingexpert.com/

To stay debt free I'd say don't spend more than you earn in a month.
If you haven't already done swap your utilities to the cheapest supplier you can find. Do the same with insurance, moblie phone, satellite/ cable tv etc.
Make a list (or use a program such as MS Money) to track all your outgoings on on side and all you incme on the other. See what you can do without till June and where you can make cutbacks (takeaways are a big unnecessary expence in our house).
The websites I listed have loads onf info and tips on there, so good luck to you.

[Bewlay Bros]

DJ, you patronisingly told me yesterday you thought I was an intelligent man. I huess the fact I do not have a single debt in the world does indeed make me a bright spark.

I have three words for you to stay debt free.

SAVE, SAVE and thrice SAVE.

[Full Tilt]

I agree with mrs overall best way is to bin it, I did a long time and since then have bought wisely and now have no debts. Think about it !!!

[cazzz1975]

mrs overall has the right idea..

[banjosister]

DJ,

Go for the Martin's Money Tips suggestion, he's brill xx