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  • FIRST POST
    • motivated
    • By motivated 28th Jan 17, 4:51 PM
    • 1,532Posts
    • 1,648Thanks
    motivated
    Debt Demolisher
    • #1
    • 28th Jan 17, 4:51 PM
    Debt Demolisher 28th Jan 17 at 4:51 PM
    Hi MSE ers

    Have plucked up the courage to admit that I cannot cope financially.

    Long story short. We are £82,590 in Credit card and Loan debt basically spent on nothing but shopping, holidays, clothes and household things.

    We are not in arrears or any CCJs at present but fear this will not last.

    I completed the step change debt remedy tool thing today and it advised me to ring them on Monday Petrified at the thought of phone calls, bailiffs at my door and threatening letters etc. I don't even know what to expect about the process etc.

    What do I have to show for it all NOTHING

    So angry with myself but I do feel a little easier as it seems I have woken up and am willing to face it all, pay it all off and remove a lot of the stress I have every month.

    Myself and My OH both work and are both willing to pull together to sort this sorry mess out. I am hoping that keeping a diary and soaking up some excellent tips and advice will see us through to the end.

    I have seen some excellent advice and encouragement given on here and have thoroughly enjoyed reading all of the advice and diaries.

    One day I will be advising others (I hope)

    Please be gentle with me
    M
    Last edited by motivated; 30-05-2017 at 10:33 AM.
Page 16
    • motivated
    • By motivated 9th Jun 17, 6:38 PM
    • 1,532 Posts
    • 1,648 Thanks
    motivated
    Hello diary world.

    Fridayyyyyyyy . So need a weekend off to do what I want when I want. Have a lovely relaxing evening to myself and I intend to make the most of it. DH is visiting family for the day and night. Will be returning home tomorrow.
    So far I have changed beds, cleaned the bathroom, hung washing out and hoovered through. Had a shower already made a cup of tea and the evening is all mine. I have the TV remote too . Is it a man thing where they have to be in charge of the remote and constantly flick through the channels? I don't even have the TV on at the minute I'm just enjoying the peace and quiet.

    Also came home to a letter from one of our CCs stating that the debt is unenforceable . I had a feeling about it because it's so old lol. Anyway I need to wait till they sell it on and then I plan to offer a F&F settlement on it to close it down. This is a boost I needed and It's much appreciated I can tell you.

    Payday for me on Thursday and I need this too, I need to build up my funds again.
    Hope everyone is also looking forward to a nice weekend too
    M
    I have arrived in DMP Land and I like it. I may stay a while
    Started April 2017

    Short term goal 280/1723.27
    • Treadingonplaymobil
    • By Treadingonplaymobil 9th Jun 17, 7:02 PM
    • 672 Posts
    • 5,491 Thanks
    Treadingonplaymobil
    Haven't caught up with your diary for a few days, sorry to hear about your dog, such a sad time when you lose a pet.

    Unenforceable debt sounds positive, it sounds like you're really keeping on top of all the paperwork and management of the DMP.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 6th June 17/DFD: £56,025.55/1st March 2025
    • motivated
    • By motivated 9th Jun 17, 7:08 PM
    • 1,532 Posts
    • 1,648 Thanks
    motivated
    Haven't caught up with your diary for a few days, sorry to hear about your dog, such a sad time when you lose a pet.

    Unenforceable debt sounds positive, it sounds like you're really keeping on top of all the paperwork and management of the DMP.
    Originally posted by Treadingonplaymobil
    Hi TOPM and thank you. The vet bills are all paid now but has left us basically back to square one. Although it's a bonus that we've managed to pay it out of our own money and not the dreaded CCs. I will work on building up the funds again each month and move on from there.

    I've found self managing easier than I'd expected to be honest. It's only from what I've learnt on this site. It's a Godsend. It also feels better to be in control of the payments etc. It's tiring this debtbusting isn't it at times.
    M
    I have arrived in DMP Land and I like it. I may stay a while
    Started April 2017

    Short term goal 280/1723.27
    • Tipsntreats
    • By Tipsntreats 10th Jun 17, 8:23 PM
    • 6,909 Posts
    • 8,312 Thanks
    Tipsntreats
    Hi again
    Debt-busting really is like snakes and ladders at times. But you will get there, and I am sure you will then support others through your own experience.
    Have a lovely weekend all who visit here.
    Money, money, money
    Must be funny
    • motivated
    • By motivated 10th Jun 17, 8:43 PM
    • 1,532 Posts
    • 1,648 Thanks
    motivated
    Originally posted by Tipsntreats

    Cake mmmmmmm

    Hi tips and welcome back. I WILL get there one day, that I do know. My overall total has reduced a bit due to the unenforceable one so I am pleased about that. Its a start anyway.
    M
    I have arrived in DMP Land and I like it. I may stay a while
    Started April 2017

    Short term goal 280/1723.27
    • Treadingonplaymobil
    • By Treadingonplaymobil 11th Jun 17, 5:38 AM
    • 672 Posts
    • 5,491 Thanks
    Treadingonplaymobil
    Snakes and ladders is a great way to describe it. But slowly and surely we move forward and the totals go down rather than up.
    £67,031.92 is a frightening number indeed... The debt free diary of one family and their enormous debt
    LBM debt on 12th Feb 2017/DFD: £58,608.13/1st Dec 2026
    debt on 6th June 17/DFD: £56,025.55/1st March 2025
    • motivated
    • By motivated 11th Jun 17, 7:06 AM
    • 1,532 Posts
    • 1,648 Thanks
    motivated
    Snakes and ladders is a great way to describe it. But slowly and surely we move forward and the totals go down rather than up.
    Originally posted by Treadingonplaymobil
    Let's hope we get more snakes than ladders along the way eh TOPM

    As I have no CCs now my totals are coming down slowly. I think they will start to pick up around Christmas time as (hopefully) I would have built up some much needed funds behind me again and then I will start to up payments to one of the CCs and knock them off one by one. That's the plan in my head anyway and as long as nothing else gets in the way ( you know what it's like) I should be ok.

    It's amazing how the sky hasn't fallen in around me without CCs. Just shows I was using them willy nilly. Lesson learned.
    M
    I have arrived in DMP Land and I like it. I may stay a while
    Started April 2017

    Short term goal 280/1723.27
    • vaper
    • By vaper 11th Jun 17, 8:55 AM
    • 40 Posts
    • 15 Thanks
    vaper
    Hi M
    Just catching up with things on here. Sorry to hear about your dog, I know how it feels. :-(
    I read about your good news re BC that's brilliant news.
    Good luck with being self managed, you are very brave
    • motivated
    • By motivated 11th Jun 17, 9:10 AM
    • 1,532 Posts
    • 1,648 Thanks
    motivated
    Hi M
    Just catching up with things on here. Sorry to hear about your dog, I know how it feels. :-(
    I read about your good news re BC that's brilliant news.
    Good luck with being self managed, you are very brave
    Originally posted by vaper
    Hi vaper and thanks

    As for being brave I'm still a little its very overwhelming but Ive learnt so much from the wonderful people on here its whats got me where I am today. Still have a long way to go. I cant even imaging what It will feel like when I get closer to the finish line.

    Hows things with you. All going well I hope
    M
    I have arrived in DMP Land and I like it. I may stay a while
    Started April 2017

    Short term goal 280/1723.27
    • Tipsntreats
    • By Tipsntreats 14th Jun 17, 6:53 PM
    • 6,909 Posts
    • 8,312 Thanks
    Tipsntreats
    Just thought I might drop in on your diary Moti.
    Remember lower bills as no heating. Less washing as we are wearing Summer clothes.
    Higher spirits as we now have Summer.
    A little fun as you have joined the madhouse thread at the Arms - and it's free.
    Money, money, money
    Must be funny
    • motivated
    • By motivated 14th Jun 17, 6:59 PM
    • 1,532 Posts
    • 1,648 Thanks
    motivated
    Just thought I might drop in on your diary Moti.
    Remember lower bills as no heating. Less washing as we are wearing Summer clothes.
    Higher spirits as we now have Summer.
    A little fun as you have joined the madhouse thread at the Arms - and it's free.
    Originally posted by Tipsntreats
    Hi miss tipsy
    Thanks for popping in. Maybe you are mystic beacause I only thought this morning that I haven't needed to top up my gas for about 10 days and still have plenty on my meter. We are mostly leccy in this house, the only gas we use is for hot water and heating. We certainly haven't had the heating on the weather is lovely here but we have all showered and bathed ( honest)

    The mad house is good fun and a little light relief.

    Payday tomorrow . And DH picked my four legged best friends ashes up today. All vet bills paid and now I can focus on building up my funds again ( phew)
    M
    I have arrived in DMP Land and I like it. I may stay a while
    Started April 2017

    Short term goal 280/1723.27
    • motivated
    • By motivated 17th Jun 17, 8:01 AM
    • 1,532 Posts
    • 1,648 Thanks
    motivated
    Random update coming right up

    Haven't updated too much lately, must try not to get distracted by useless nonsense. 'Family dramas' *sigh* DH is being a right plonker at the minute and I cant be dealing with it. Got me down a bit the past couple of days and now I refuse to let it get to me anymore (she says hopefully)

    Anyway I have started my little pots of savings again, still only small amounts but its a start. Didn't manage to bash my small term goal as much as id hoped but I paid some towards it so a small bonus there. Next months payday I aim to pay a chunk to it if all goes to plan.

    The BC that said they were unable to enforce, have sent another letter saying that they can enforce it now as they have located the correct paperwork and sent it to me. Whether its right or not I have no idea. Well it was good while it lasted. The postman usually brings me finance letters on a Saturday so I will see if there is anything nice in there today for me

    Managed to do a grocery shop online with a £20 off an £80 shop. Took big advantage of that one and got a nice grocery shop for £60 this week. Happy days.

    Planning a chilled day pottering around the garden having a general tidy up. Will try not to get sunburn this weekend like the last. I've started to peel now and it looks

    I have also worked out that I have 21 working days until I get 6 weeks off woohoooo Cant wait for that one.

    Enjoy the sunny weekend all
    M
    I have arrived in DMP Land and I like it. I may stay a while
    Started April 2017

    Short term goal 280/1723.27
    • Tipsntreats
    • By Tipsntreats 26th Jun 17, 2:51 PM
    • 6,909 Posts
    • 8,312 Thanks
    Tipsntreats
    Hi Moti
    I thought I would visit Your dairy.
    I have an idea for you.
    I will PM details when I find the information.
    It is a way to make some money this Summer.
    Money, money, money
    Must be funny
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