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    • HEROWHENZERO
    • By HEROWHENZERO 2nd Aug 16, 1:21 AM
    • 87Posts
    • 175Thanks
    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
    • 87 Posts
    • 175 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 Aug 2023
    Original Debt: £96K Mar 2016 | Current Debt: £53052.73
    Nov 2017
    • HEROWHENZERO
    • By HEROWHENZERO 16th Jun 17, 12:26 PM
    • 87 Posts
    • 175 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 Aug 2023
    Original Debt: £96K Mar 2016 | Current Debt: £53052.73
    Nov 2017
    • JoJoC
    • By JoJoC 16th Jun 17, 1:14 PM
    • 1,280 Posts
    • 4,176 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: £3804.52 / £3554.32 £250.20 paid | CC2:£5027.53 / £4829.43 £245 paid | Loan: £15,000 / £12,369.24 (£2,631.76 paid)

    July debt total: £23,832.05 | New debt total: £20,752 | Total debt paid: £3,080 (13%)
    *My debt busting and savings diary*
    • HEROWHENZERO
    • By HEROWHENZERO 22nd Jun 17, 7:02 PM
    • 87 Posts
    • 175 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 Aug 2023
    Original Debt: £96K Mar 2016 | Current Debt: £53052.73
    Nov 2017
    • JoJoC
    • By JoJoC 23rd Jun 17, 9:45 AM
    • 1,280 Posts
    • 4,176 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: £3804.52 / £3554.32 £250.20 paid | CC2:£5027.53 / £4829.43 £245 paid | Loan: £15,000 / £12,369.24 (£2,631.76 paid)

    July debt total: £23,832.05 | New debt total: £20,752 | Total debt paid: £3,080 (13%)
    *My debt busting and savings diary*
    • HEROWHENZERO
    • By HEROWHENZERO 23rd Jun 17, 5:59 PM
    • 87 Posts
    • 175 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 Aug 2023
    Original Debt: £96K Mar 2016 | Current Debt: £53052.73
    Nov 2017
    • HEROWHENZERO
    • By HEROWHENZERO 10th Nov 17, 1:43 PM
    • 87 Posts
    • 175 Thanks
    HEROWHENZERO
    Been chipping away slowly since I started my Debt Management Plan, this week a big rock fell. I've embarked on arranging fixed and final offers and pleasantly surprised with the results. My biggest creditor apart from Bank of Mum and Dad have agreed to a 25% offer, knocking off £12K from my total debt.

    Feeling much more positive about the future. I've been thinking about doing it for ages, and thanks to my Parents I'm grateful to be in a position to negotiate these offers. If you don't ask you don't get. If nothing changes, then nothing changes.

    One day at a time

    Hero
    Just for today I will not try to solve all my life problems at once. | DFD: April 2033 Aug 2023
    Original Debt: £96K Mar 2016 | Current Debt: £53052.73
    Nov 2017
    • HEROWHENZERO
    • By HEROWHENZERO 16th Nov 17, 8:53 PM
    • 87 Posts
    • 175 Thanks
    HEROWHENZERO
    What a difference 20 months in recovery makes. My finances are more manageable, I've been able to arrange full and final offers with all but one creditor so far and seen a massive chunk written off. What a relief, I now only owe my parents a fair sum, but manageable. I will be done in 6 years, if not sooner.

    10 years have been knocked off my DFD, and I am grateful for the support on this forum, my parents massively, GA, StepChange, and the fact I have a good job. I consider myself very lucky, as I know people that hit rock bottom with gambling and lost more than I. If I hadn't have stopped when I did, who knows what I would have lost, my job, my family, my home, my car.

    The light at the end of the tunnel is a whole lot brighter and seems reachable now.

    Hero
    Just for today I will not try to solve all my life problems at once. | DFD: April 2033 Aug 2023
    Original Debt: £96K Mar 2016 | Current Debt: £53052.73
    Nov 2017
    • SunshineBecks
    • By SunshineBecks 16th Nov 17, 10:50 PM
    • 46 Posts
    • 80 Thanks
    SunshineBecks
    I have just read through your diary.. wow I’m inspired!
    You have done amazingly well. I’m looking forward to reading further updates.
    Becks
    Halifax CC £4583.88 £3660 Aqua CC: £300 £242.20 Capital one: £200 £0 Santander OD £500 £464 Very: £1050 £658.98 TSB OD: £100 Family debt: £300
    Total paid off so far: £1608.62
    Emergency Fund: £0
    Trying to become debt free by Feb 2019 and build up those savings!
    • erin_transport
    • By erin_transport 16th Nov 17, 11:59 PM
    • 348 Posts
    • 1,630 Thanks
    erin_transport
    Well done. Huge achievements. Keep going
    On a mission!
    • Cherryfudge
    • By Cherryfudge 20th Nov 17, 11:49 AM
    • 955 Posts
    • 4,302 Thanks
    Cherryfudge
    Another here who's just read your diary... well done indeed! Great progress on all counts. I've subscribed to follow your adventures
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