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  • FIRST POST
    • HEROWHENZERO
    • By HEROWHENZERO 2nd Aug 16, 1:21 AM
    • 79Posts
    • 152Thanks
    HEROWHENZERO
    HEROWHENZERO Diary
    • #1
    • 2nd Aug 16, 1:21 AM
    HEROWHENZERO Diary 2nd Aug 16 at 1:21 AM
    After 20 years of debt and serious gambling problems, finally checking into rehab and dealing with addiction was a giant leap. Sobriety date: 15th March 2016. Now that I am not making my situation worse, I have the rather large challenge of dealing with the aftermath. 96K of debt. I'm already making some progress, I've managed to start a DMP with StepChange and now firmly a YNAB follower. I have a budget and a plan, something that at 37 is totally new to me. Having spent so much time with child like reactions, it's time for me to face up to maturity and stop running away from my problems. Currently due to be debt Free April 2033, let's hope I can bring that forward somewhat.

    15/03/2016: £96000
    01/08/2016: £94596.20
Page 3
    • HEROWHENZERO
    • By HEROWHENZERO 22nd Mar 17, 5:34 AM
    • 79 Posts
    • 152 Thanks
    HEROWHENZERO
    Hello HEROWHENZERO - happy anniversary! Getting a year under your belt. I bet you wish time would just fly quicker though yes?
    Huge congratulations for dealing with the gambling head on. I'm a member on gamcare forums and I see how it affects so many people, both male and female.
    You're doing fantastically well, keep it up.
    Originally posted by zippygeorgeandben
    thank you zippy, honestly, I say no, I don't wish for it to go quicker, just one day at a time. the years will add up in the long run, and I've wasted so much of my life away gambling, I don't want to wish it away in recovery.
    Just for today I will not try to solve all my life problems at once. | DFD: April 2033 April 2029
    Original Debt: £96K Mar 2016 | Current Debt: £85431.73
    Jul 2017
    • HEROWHENZERO
    • By HEROWHENZERO 16th Jun 17, 12:26 PM
    • 79 Posts
    • 152 Thanks
    HEROWHENZERO
    How time is flying by, 15 months in recovery and the debt is reducing. I started my DMP in June 2016, so that's a whole year where things are more manageable, however the thought that I have to keep paying for another 14 years is soul destroying. I'm sure these feelings will pass as I continue to pay things off, and the totals get smaller and smaller over time.

    It does however feel really good that I have managed to pay off just over £10K in the last 15 months. The light, still very far away in the long tunnel, is there at least.
    Just for today I will not try to solve all my life problems at once. | DFD: April 2033 April 2029
    Original Debt: £96K Mar 2016 | Current Debt: £85431.73
    Jul 2017
    • JoJoC
    • By JoJoC 16th Jun 17, 1:14 PM
    • 1,147 Posts
    • 3,531 Thanks
    JoJoC
    I've just caught up on your journey so far and you seem to be doing an amazing job overcoming the challenges you have faced and facing up to your debts. It's something to really be proud of! It won't be easy but you're a year in and over 10k paid off which is amazing. Well done and good luck with what's to come.
    CC1: 3,774.32/4,200 | CC2: 5,077/5,393 | Loan: 7,430/15,000
    Total: 16,292.57/20,032 Paid since Feb17: 3,739 or 18.66%

    Mummy of two boys - Working hard to make better financial choices!
    *My debt busting and savings diary*
    • HEROWHENZERO
    • By HEROWHENZERO 22nd Jun 17, 7:02 PM
    • 79 Posts
    • 152 Thanks
    HEROWHENZERO
    A rework of the budget and I'm managed to increase my DMP payment taking 2 years off the debt free date. Felling a bit more positive.
    Just for today I will not try to solve all my life problems at once. | DFD: April 2033 April 2029
    Original Debt: £96K Mar 2016 | Current Debt: £85431.73
    Jul 2017
    • JoJoC
    • By JoJoC 23rd Jun 17, 9:45 AM
    • 1,147 Posts
    • 3,531 Thanks
    JoJoC
    Wow - TWO YEARS? That's amazing!

    Just a thought - are you making sure that you have a buffer? You're not using all your extra money to pay to debt? If something unexpected comes up, do you have the funds to cover? If not, maybe the extra funds would be better allocated to an emergency fund for the first wee while. If you've already got all that covered, i'll pipe down
    CC1: 3,774.32/4,200 | CC2: 5,077/5,393 | Loan: 7,430/15,000
    Total: 16,292.57/20,032 Paid since Feb17: 3,739 or 18.66%

    Mummy of two boys - Working hard to make better financial choices!
    *My debt busting and savings diary*
    • HEROWHENZERO
    • By HEROWHENZERO 23rd Jun 17, 5:59 PM
    • 79 Posts
    • 152 Thanks
    HEROWHENZERO
    Wow - TWO YEARS? That's amazing!

    Just a thought - are you making sure that you have a buffer? You're not using all your extra money to pay to debt? If something unexpected comes up, do you have the funds to cover? If not, maybe the extra funds would be better allocated to an emergency fund for the first wee while. If you've already got all that covered, i'll pipe down
    Originally posted by JoJoC
    Pipe down JoJoC :-) Got that covered, took a year to get there, but using YNAB to budget has been a massive help. I've got different categories for everything. Even got most of the XMAS 2017 money put aside.

    Keep going, one day at a time.

    Hero
    Just for today I will not try to solve all my life problems at once. | DFD: April 2033 April 2029
    Original Debt: £96K Mar 2016 | Current Debt: £85431.73
    Jul 2017
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