--- title: Annie description: How Annie got debt free using a Debt Agreement with Beyond Debt image: https://www.beyonddebt.com.au/hubfs/My%20project%20%2812%29-1.jpg --- ![Top bar image](https://www.beyonddebt.com.au/hubfs/Assets%202019/Top%20bar%20image.jpg "Top bar image") ###### ![](https://www.beyonddebt.com.au/hubfs/Assets%202019/Tv.svg)Did you see us on TV? - [Click Here](https://www.beyonddebt.com.au/debt-help) ![Close](https://www.beyonddebt.com.au/hubfs/Assets%202019/Close.svg "Close") [![Logo](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/Beyond%20Debt%20black.png?width=560&height=128&name=Beyond%20Debt%20black.png "Logo")](https://www.beyonddebt.com.au) [![Logo](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/Beyond%20Debt%20white.png?width=560&height=128&name=Beyond%20Debt%20white.png "Logo")](https://www.beyonddebt.com.au) #### [![Phone](https://www.beyonddebt.com.au/hubfs/Assets%202019/Images/Button%20Copy.svg)**1300 284 091**](tel:1300%20284%20091) #### [![Phone](https://www.beyonddebt.com.au/hubfs/Assets%202019/Images/Button%20Copy.svg)![](https://www.beyonddebt.com.au/hubfs/Beyond%20Debt%20October2017/small-icon.svg)**1300 284 091**](tel:1300%20284%20091) [![Free Consultation](https://no-cache.hubspot.com/cta/default/2583772/02eddd09-66a0-4e61-9e59-63ae64bfd94a.png)](https://cta-redirect.hubspot.com/cta/redirect/2583772/02eddd09-66a0-4e61-9e59-63ae64bfd94a) #### [1300 284 091](tel:1300%20284%20091) - ##### [Eliminate Debt](https://www.beyonddebt.com.au/blog/topic/eliminate-debt) [## How to Get Out of Debt in 2026: The Australian's Step-by-Step Guide (And Free Budget Planner) ](https://www.beyonddebt.com.au/blog/take-control-of-your-debt) [Read Article](https://www.beyonddebt.com.au/blog/take-control-of-your-debt) - ###### [Debt Agreements](https://www.beyonddebt.com.au/blog/topic/debt-agreements) # [Annie](https://www.beyonddebt.com.au/blog/annie) - ###### Ben Paris - ###### 13 Dec 2022 ###### LATEST ARTICLES - Debt Agreements [Back to blog](https://www.beyonddebt.com.au/blog) - Share - [**](https://www.facebook.com/sharer/sharer.php?u=https%3A%2F%2Fwww.beyonddebt.com.au%2Fblog%2Fannie) - [**](https://www.twitter.com/share?url=https%3A%2F%2Fwww.beyonddebt.com.au%2Fblog%2Fannie) - [**](http://www.linkedin.com/shareArticle?mini=true&url=https://www.beyonddebt.com.au/blog/annie) Can you tell me about your background? I migrated to Australia with my husband and 2 children in 1986, leaving a country in revolution and war. My debt was the result of unwise investment and an accident which happened to my son. What was life like when you were in debt? I was getting all these calls from debt collectors and it was making my life really hard. I was stressed all the time and jumped every time the telephone ringing. I had no life. I could not have a good night’s sleep. I did not dare to spend money. What was it like working with Beyond Debt? Beyond Debt was the best organisation I dealt with, always very quick with my enquiries and always provided any help possible. How long did it take you to get debt free? How did you stay motivated? 5 years, it was not always easy BUT there were never any regrets after deciding to be debt free. My motivation was that in the end of 5 years I will be free of all my debts. What more motivation is better than that? What advice would you give to people with large amounts of debt? If you are in large amount of debt, go ahead take the first step towards a debt free life and feel FREE.. Have no doubt or fear. What mistakes do you see others making with their money? Spending money they can’t afford and applying for different cards and loans without thinking. Not paying their debts on time.… I learned this lesson the hard way. What is life like now you’re debt free? You cannot imagine the relief a person feels, it’s just a **heavy** weight lifting off your shoulders. Do you have any final words of wisdom for the readers? If you can’t buy something without a credit card then you can’t afford to have one. ###### Ready to become debt free? #### Take the first step to a debt free future [Ready to become debt free?](https://info.beyonddebt.com.au/request-a-consultation) ### You might find these interesting - ##### [Debt Agreements](https://www.beyonddebt.com.au/blog/topic/debt-agreements) ## [Rebecca paid off $24,000 and got debt free!](https://www.beyonddebt.com.au/blog/rebecca-paid-off-24000-and-got-debt-free) - ###### Ben Paris - ###### 07 Sep 2022 - ##### [Debt Agreements](https://www.beyonddebt.com.au/blog/topic/debt-agreements) ## [Online Quotes Launch](https://www.beyonddebt.com.au/blog/online-quotes-launch) - ###### Ben Paris - ###### 29 Aug 2022 - ##### [Debt Agreements](https://www.beyonddebt.com.au/blog/topic/debt-agreements) ## [Lafauli Debt Free and Smiling](https://www.beyonddebt.com.au/blog/lafauli-debt-free-and-smiling) - ###### Ben Paris - ###### 29 Jun 2022 - [Personal Finance Basics (126)](https://www.beyonddebt.com.au/blog/tag/personal-finance-basics) - [Handle Money (100)](https://www.beyonddebt.com.au/blog/tag/handle-money) - [Everyday Expenses (61)](https://www.beyonddebt.com.au/blog/tag/everyday-expenses) - [Affordable Living (50)](https://www.beyonddebt.com.au/blog/tag/affordable-living) - [Build Savings (33)](https://www.beyonddebt.com.au/blog/tag/build-savings) ## Ready to become debt free? #### Speak with one of our specialists to start your future [![About Beyond Debt](https://no-cache.hubspot.com/cta/default/2583772/e771166e-724a-4461-9ee9-fd819c4c0fe2.png)](https://cta-redirect.hubspot.com/cta/redirect/2583772/e771166e-724a-4461-9ee9-fd819c4c0fe2) [![Get Help](https://no-cache.hubspot.com/cta/default/2583772/8ac6a951-8425-44d9-91d4-0928fca0084e.png)](https://cta-redirect.hubspot.com/cta/redirect/2583772/8ac6a951-8425-44d9-91d4-0928fca0084e) #### [![Phone](https://www.beyonddebt.com.au/hubfs/Assets%202019/Images/Button%20Copy.svg)![](https://www.beyonddebt.com.au/hubfs/Beyond%20Debt%20October2017/small-icon.svg)**1300 284 091**](tel:1300%20284%20091) - ![Family-Owned-transparent-300x158](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/Family-Owned-transparent-300x158.png?width=115&name=Family-Owned-transparent-300x158.png) - ![pipa_logo_transparent_300w_100h](https://www.beyonddebt.com.au/hs-fs/hubfs/Assets%202019/Images/pipa_logo_transparent_300w_100h.png?width=151&name=pipa_logo_transparent_300w_100h.png) - ![Feefo](https://www.beyonddebt.com.au/hs-fs/hubfs/Feefo.png?width=115&name=Feefo.png) ##### Debt Help ##### Company ##### Resources Beyond Debt is a trading name of DCS Group Aust Pty Ltd. 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