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  • FIRST POST
    • Onebrokelady
    • By Onebrokelady 31st Jan 18, 12:15 AM
    • 155Posts
    • 338Thanks
    Onebrokelady
    My journey to a debt free life
    • #1
    • 31st Jan 18, 12:15 AM
    My journey to a debt free life 31st Jan 18 at 12:15 AM
    Well Iíve been reading everyoneís diaryís and thought itís such a good idea I would start one myself,Iím hoping to use it as a way to record my journey to freedom from debt and also to have somewhere to come and just offload stuff
    My financial meltdown happened two weeks ago when I realised I just canít afford to pay my debts off properly,Iím sinking under the strain and jut adding more and more onto the total because itís just not sustainable. I came here and was given some brilliant advice then I went away and procrastinated for a week while pooping myself some more about what I am about to do I finally got my !!!! in gear this week and started the ball rollin by registering on the SC site and partially filling out the budget form,I then came unstuck because some of the info wasnít to hand,Iíve now sorted that and can proceed with finishing the budget form which I am doing tomorrow,by the end of this week I want to have contacted SC and set the ball rolling to set up a DMP.
    I then had problems with my online account for one of my creditors but I sorted that out this morning whilst also finding out exactly what I owe them,it was actually not as much as I thought but still too much so swings and roundabouts !!!128522; actually sorting that out today took me ten minutes but itís taken me days to do it,I just get overwhelmed and put stuff off then before I know it another week has gone by and nothing has changed. Still Iíve done what I set out to do today and tomorrow is budget form day then I will see where I go from there
    In other news I changed my phone provider on Saturday so now have a sim only deal for £9 a month instead of £20.02 plus I cancelled the insurance at £6 a month,Iíve also paid for the phone now too so there is a small saving,two weeks ago my phone contract was costing me £35 so Iím quite pleased with this new deal.
    Ok I think thatís enough waffling for one day and I need to try and get some sleep,letís see what tomorrow brings
Page 6
    • Onebrokelady
    • By Onebrokelady 13th Feb 18, 10:10 PM
    • 155 Posts
    • 338 Thanks
    Onebrokelady
    Well I had an email from SC today and they have asked me for more info,I sent them the card details but I think I didnt link the debt amounts to two of the cards so they have asked me to send this,I emailed them the details
    Then I had a email from o2 saying I owe them £20.20;this is the amount of my last bill but it came out on a DD last week or the week before,I cancelled myo2 account a couple of weeks ago because I changed supplier and the lady I spoke to said there wouldnt be any more to pay as my bill had just been paid,it just seems a bit weird so I wondering if its genuine,I then tried to log into my bank account to check the DD and when it last came out but couldnt log in ,it said I had put in the wrong details but I hadnt,Im now locked out of my account,very weird and Im wondering if its a genuine email,Im going to phone them tomorrow
    Last edited by Onebrokelady; 13-02-2018 at 10:12 PM.
    Just keep swimming
    Payment a day challenge = £58.76
    • Onebrokelady
    • By Onebrokelady 13th Feb 18, 10:18 PM
    • 155 Posts
    • 338 Thanks
    Onebrokelady
    In other news I!ve had a relaxed chilled out day and actually do feel slightly better,I sat down and did some serious sewing on my cross stitch that im currently doing,Ive also managed to eat properly today,I take a vitamin supplement (Metatone) most days but I only take the minimum dose so Im upping this to the daily amount they recommend to see if it will boost my immune system
    Ive been coughing for days but nothing was shifting but I have now had a good cough and the crap in my chest has moved so it feels a bit clearer,hopefully the antibiotics are doing their job at last
    Just keep swimming
    Payment a day challenge = £58.76
    • Cherryfudge
    • By Cherryfudge 14th Feb 18, 1:14 AM
    • 1,301 Posts
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    Cherryfudge
    Good to hear you are feeling a bit better! I hope the account sorts out: I suppose changing banks doesn't help but it had to be done and you're on the right road now.

    Hope you can get some more rest tomorrow.
    • Onebrokelady
    • By Onebrokelady 14th Feb 18, 1:32 PM
    • 155 Posts
    • 338 Thanks
    Onebrokelady
    Good to hear you are feeling a bit better! I hope the account sorts out: I suppose changing banks doesn't help but it had to be done and you're on the right road now.

    Hope you can get some more rest tomorrow.
    Originally posted by Cherryfudge
    Im feeling a lot better today,I got a really good nights sleep last night so I think that helped,Iím not too worried about the online banking in my old account being locked because Iím not going to be using it anymore,it was just frustrating because I wanted to check out that DD,Iím going to phone o2 later to see if it is them who have contacted me,Iíve just phoned my new mobile supplier to change the DD on that account because I got a text from them just now to say there was a problem,it was because I cancelled the DD on Monday after the payment went out
    Iím going back to work tomorrow so am going to try to have a nice relaxing afternoon
    Just keep swimming
    Payment a day challenge = £58.76
    • Onebrokelady
    • By Onebrokelady 14th Feb 18, 8:25 PM
    • 155 Posts
    • 338 Thanks
    Onebrokelady
    Well I!!!8217;m feeling a lot better this evening,I have had a productive day,this morning I had to go into town for some food shopping and paid some money into my new bank account,I also set up a new DD for my mobile ,I just have the EDF one to do now and the home insurance,these will be done on Friday because Im going back to work tomorrow and wont have time,Im actually looking forward to getting back to work,Im so fed up with being stuck at home and not getting anything done
    I take my last antibiotic tomorrow so hopefully the remnants of this chest infection will go now
    Just keep swimming
    Payment a day challenge = £58.76
    • ploppy57
    • By ploppy57 14th Feb 18, 8:38 PM
    • 519 Posts
    • 3,667 Thanks
    ploppy57
    Glad you're feeling bit better. Good luck for tomorrow.
    DMP March '15 £57549. Now £44518. Going SM Feb '18 to get DF sooner.
    Emergency fund #231... £35/£1000.
    £2 Challenge #43.. £10. 20p Challenge #104.. £6.80
    Christmas 2018 challenge £9.26/£300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • Cherryfudge
    • By Cherryfudge 14th Feb 18, 10:36 PM
    • 1,301 Posts
    • 6,499 Thanks
    Cherryfudge
    That's a huge turn around in a couple of days. !!!55357;!!!56842; Have a good shift tomorrow.
    • Onebrokelady
    • By Onebrokelady 15th Feb 18, 10:32 PM
    • 155 Posts
    • 338 Thanks
    Onebrokelady
    Well my day back at work went ok,I was in a clinic all day so got to actually sit down quite a lot,I did have to use my inhaler a few times but managed to get to the end of the shift without being ill,my chest feels a lot clearer this evening so hopefully I!!!8217;m on the mend,its my day off tomorrow so I can chill out a bit
    While I was at work I also phoned the payroll dept to make sure they have changed my banking details and they have so I can stop worrying that my wages will be paid into my old account, that is a weight off my mind
    Just keep swimming
    Payment a day challenge = £58.76
    • Onebrokelady
    • By Onebrokelady 15th Feb 18, 10:37 PM
    • 155 Posts
    • 338 Thanks
    Onebrokelady
    It certainly was,Im still not feeling 100% but I feel so much better than I did on Tuesday,I just hope that is the end of the bugs for a while
    Just keep swimming
    Payment a day challenge = £58.76
    • Onebrokelady
    • By Onebrokelady 16th Feb 18, 12:18 AM
    • 155 Posts
    • 338 Thanks
    Onebrokelady
    For gods sake ,Ive just checked my email and I've got a message from EDF about my current bill and I!!!8217;m £313 in debit to be paid by the 28th of February,I pay by DD every month but cancelled it when I changed banks and then couldnt get a new one set up,Im supposed to be phoning them tomorrow to set one up with the new bank,Im hoping its just because Ive cancelled the DD that they are now asking me to settle the bill and that I will be able to carry on paying it monthly otherwise thats all but £100 Of my emergency fund gone,this is why I dont change anything or do anything myself because I always mess it up,no bloody sleep for me tonight then
    I also dont understand how my bill is in debit for so much when I pay them £75 a month in the first place
    Last edited by Onebrokelady; 16-02-2018 at 12:23 AM.
    Just keep swimming
    Payment a day challenge = £58.76
    • ploppy57
    • By ploppy57 16th Feb 18, 6:57 AM
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    ploppy57
    Don't panic about the EDF, it will be due to cancelling your DD. That email will be automatically generated and the amount will be based on your current useage rather than anything to do with your normal payment.
    We pay ours by DD at £75 a month and send them our reading every month. Due to how cold its been this winter, we have used quite a lot and we had an email saying they were increasing our payments to £112 a month. I rang up and said no way we can afford that and if we are still in arrears at end of tarrif in Aug we will pay extra then. But confident we won't owe anything then as it will catch up with itself in warmer weather. So then we had an email saying how much we owed and I just ignored it and they are still taking the 75. As long as you speak to them it will be fine and sort itself out.
    DMP March '15 £57549. Now £44518. Going SM Feb '18 to get DF sooner.
    Emergency fund #231... £35/£1000.
    £2 Challenge #43.. £10. 20p Challenge #104.. £6.80
    Christmas 2018 challenge £9.26/£300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • Onebrokelady
    • By Onebrokelady 16th Feb 18, 9:58 AM
    • 155 Posts
    • 338 Thanks
    Onebrokelady
    Thanks Ploppy,Iím phoning them today to rearrange the DD,I also pay £75 a month but I have used my heating a lot this winter and also I have a tumble dryer that was using a lot at the beginning of winter,however now Iím in money saving mode Iím trying to cut that down,I normally only use it to dry bedding and towels,I try to put as much stuff out side to dry as I can but this year itís just been constantly wet here so have probably used it more than I would normally,this is the shocking and embarrassing part of all this .....I have not sent a meter reading for at least a year so my bills are estimated an Im now scared I will owe them even more,this all ties in with my lack of responsibility and pro activity when it comes to my house and finances, I just leave it to look after itself....the saying ďlook after the pennies and the pounds will look after themselvesĒ is so true and is now my new mantra
    Just keep swimming
    Payment a day challenge = £58.76
    • Onebrokelady
    • By Onebrokelady 16th Feb 18, 10:12 AM
    • 155 Posts
    • 338 Thanks
    Onebrokelady
    Right I;ve woke up this morning in a proactive mood, I have had a lie in because I was shattered after going back to work yesterday but Im pleased to report that I havent had relapse in the night,my chest is still wheezy but the cough is more like a normal cough now and I think Im benefitting from getting a couple of good nights sleep

    Money wise I am sort of pleased to say that I got an email to say my DMP is up and running and the first payment will come out on March the 1st,so I am now going to be on my way to paying back my debts,I have to say that although Impleased Im also still very nervous about what my creditors are going to do but Im just going to have to roll with the punches and deal with it along the way,I must say after plucking up the courage to actually phone them to let them know I was in trouble and starting with SC ;m not worried about having to speak to them if I need to anymore.
    When I started this I realised how out of touch with my finances I actually am,I havent managed anything in my house for a long time,its just been managing itself but having got to this stage Im now realising that I need to be proactive and stop ignoring things until they become a massive problem
    Ive made a start by starting my DMP,now Im going to be looking at everything to make sure Im in control of my money instead of my money being in control of me
    Last edited by Onebrokelady; 16-02-2018 at 10:15 AM.
    Just keep swimming
    Payment a day challenge = £58.76
    • ploppy57
    • By ploppy57 16th Feb 18, 10:56 AM
    • 519 Posts
    • 3,667 Thanks
    ploppy57
    Right I;ve woke up this morning in a proactive mood, I have had a lie in because I was shattered after going back to work yesterday but Im pleased to report that I havent had relapse in the night,my chest is still wheezy but the cough is more like a normal cough now and I think Im benefitting from getting a couple of good nights sleep

    Money wise I am sort of pleased to say that I got an email to say my DMP is up and running and the first payment will come out on March the 1st,so I am now going to be on my way to paying back my debts,I have to say that although Impleased Im also still very nervous about what my creditors are going to do but Im just going to have to roll with the punches and deal with it along the way,I must say after plucking up the courage to actually phone them to let them know I was in trouble and starting with SC ;m not worried about having to speak to them if I need to anymore.
    When I started this I realised how out of touch with my finances I actually am,I havent managed anything in my house for a long time,its just been managing itself but having got to this stage Im now realising that I need to be proactive and stop ignoring things until they become a massive problem
    Ive made a start by starting my DMP,now Im going to be looking at everything to make sure Im in control of my money instead of my money being in control of me
    Originally posted by Onebrokelady
    We found that once the DMP was up and running, we stopped worrying about things. Another tip is to write to all your creditors and tell them all communications MUST be in writing only. That way...a) you don't have to speak to them and ....b) you have a record of everything you both say. Also that means when you need to contact them you can re read your letter before you send it and make sure its exactly what you want to say and you who get in a muddle. Remember to always quote your SC ref in your letters. And remember if they default you....that is actually good and if they pass debt on to a DCA, remember to inform SC as there will be different ref numbers etc.

    With regard to the EDF, just take a reading and send them so at least you can get an accurate bill. Remember you will always use less once the weather improves. Also if you are not locked into a tarrif with them, do a search to see if you can get cheaper elsewhere.
    DMP March '15 £57549. Now £44518. Going SM Feb '18 to get DF sooner.
    Emergency fund #231... £35/£1000.
    £2 Challenge #43.. £10. 20p Challenge #104.. £6.80
    Christmas 2018 challenge £9.26/£300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • Onebrokelady
    • By Onebrokelady 16th Feb 18, 3:27 PM
    • 155 Posts
    • 338 Thanks
    Onebrokelady
    Well this morning started off on a positive and rapidly went downhill fromthere,I contacted EDF to set up my new DD and also to give them a new meter reading,it turns out I wasnt paying nearly enough and with the new reading I now owe them £500.46 so my DD has now gone up from £75 a month to £116 a month,this is partly my fault for not supplying meter readings,but they already had me at a deficit before then so why dont they let you know your DD isnt covering what you are using before you get so in debt,they had me down as owing £313 and I thought that was just the bill I was paying with my old DD but no that is the excess fuel Im not covering with the payment I was paying, I had no idea I thought they were charging me for the amount I was using but it wasnt even close,Im now on the cheapest tariff they do as I was on the standard variable tariff, apparently they wrote and told me that my tariff was ending but I honestly cant remember getting a letter or anything,but I cant rely on my memory so they probably did and I was probably going to sort it out and probably forgot as usual
    I really dont do myself any favours at all,I phoned SC and told them my budget has changed so they have amended the amount I have spare each month to take the new DD into account and my debt free date has gone from being 8years away to 11 years away,the lady I spoke to told me not to worry as the fuel debt will drop off in 2years so that will alter things again,she did put my mind at rest at least,I just feel so angry aat myself and just really stupid that I didntt realise I wasnt paying enough
    I also got letters from MBNA today thinking me for letting them know about my situation,the letter said they had previously sent me an IE form and would wait for that to be filled out and sent back,but they have never sent me anything ,the form was in with the letters I got today, Im just presuming it!s a standard letter but Iím also wondering if I have to fill this form out and send it to them because they will be getting the info they need from SC
    The more positive part of today has been that I managed to clean the house,it was looking very dusty but its all done now and looks s much better,I was supposed to go into town today to get ingredients for a meal Im going to be eating for the next for days but I didnt have the energy to do it,Im going to make a pasta sauce and have pasta for today and tomorrow at work and then make the other dish on Sunday
    Im just having a coffee then I must go out and sort the chickens out
    Last edited by Onebrokelady; 16-02-2018 at 3:32 PM.
    Just keep swimming
    Payment a day challenge = £58.76
    • Onebrokelady
    • By Onebrokelady 16th Feb 18, 3:50 PM
    • 155 Posts
    • 338 Thanks
    Onebrokelady
    We found that once the DMP was up and running, we stopped worrying about things. Another tip is to write to all your creditors and tell them all communications MUST be in writing only. That way...a) you don't have to speak to them and ....b) you have a record of everything you both say. Also that means when you need to contact them you can re read your letter before you send it and make sure its exactly what you want to say and you who get in a muddle. Remember to always quote your SC ref in your letters. And remember if they default you....that is actually good and if they pass debt on to a DCA, remember to inform SC as there will be different ref numbers etc.

    With regard to the EDF, just take a reading and send them so at least you can get an accurate bill. Remember you will always use less once the weather improves. Also if you are not locked into a tarrif with them, do a search to see if you can get cheaper elsewhere.
    Originally posted by ploppy57
    Hi Ploppy,I just wanted to say thanks so much for your patience and advice over the last few weeks,I really appreciate it,I must seem like a hopeless case at times ,but I am getting there slowly,I think I will calm down once the DMP gets going and I know everyone is being paid and exactly how much money I will have each month,I am going to take your advice and write to my creditors as I really could do without them phoning me,that will be my next job
    March the 1st is going to be the start of my journey to being debt free and I cant wait for it to arrive,and I know this is a bit silly as I still owe the OD debt to my old bank but itís a nice feeling knowing that my current bank account will not be overdrawn ever,I will be cutting my cloth accordingly and when my wages are paid in I will know exactly how much money I have each month and will be able to get going with my new budget
    My daughter also told me today that she will be able to contribute some keep during the summer months because she has now saved up enough for her placement and because she wont be commuting each day she will have the train fare spare so I will have some extra money coming in even if its only for a couple of months,Im not sure what to do with it yet,part of me wants to put it towards the debt but another bit of me is saying to add it to my emergency fund or Xmas savings as its these things that get me into trouble in the first place,I will have to think about it,i very nearly blew my emergency budget today to pay off EDF but that would be all of it and I would still owe them £100, then if I have an actual emergency I would be in trouble because of not being able to get credit any more,so I decided that was a silly thing to do and to keep on my present course,it will get paid and I will keep on top of my account now
    Last edited by Onebrokelady; 16-02-2018 at 3:57 PM.
    Just keep swimming
    Payment a day challenge = £58.76
    • ploppy57
    • By ploppy57 16th Feb 18, 4:12 PM
    • 519 Posts
    • 3,667 Thanks
    ploppy57
    Hi Ploppy,I just wanted to say thanks so much for your patience and advice over the last few weeks,I really appreciate it,I must seem like a hopeless case at times ,but I am getting there slowly,I think I will calm down once the DMP gets going and I know everyone is being paid and exactly how much money I will have each month,I am going to take your advice and write to my creditors as I really could do without them phoning me,that will be my next job
    March the 1st is going to be the start of my journey to being debt free and I cant wait for it to arrive,and I know this is a bit silly as I still owe the OD debt to my old bank but itís a nice feeling knowing that my current bank account will not be overdrawn ever,I will be cutting my cloth accordingly and when my wages are paid in I will know exactly how much money I have each month and will be able to get going with my new budget
    My daughter also told me today that she will be able to contribute some keep during the summer months because she has now saved up enough for her placement and because she wont be commuting each day she will have the train fare spare so I will have some extra money coming in even if its only for a couple of months,Im not sure what to do with it yet,part of me wants to put it towards the debt but another bit of me is saying to add it to my emergency fund or Xmas savings as its these things that get me into trouble in the first place,I will have to think about it,i very nearly blew my emergency budget today to pay off EDF but that would be all of it and I would still owe them £100, then if I have an actual emergency I would be in trouble because of not being able to get credit any more,so I decided that was a silly thing to do and to keep on my present course,it will get paid and I will keep on top of my account now
    Originally posted by Onebrokelady
    You're more than welcome. So many people helped me out when we first started our DMP. I think it helps to know others have been through similar experiences.
    With regard to the extra money from your daughter...keep it for emergency fund. SC and your creditors do not need to know you have got it and as it is only a sort of casual arrangement, its not worth the hassle of changing all your I&E form, just to find you need to change it again if your daughter's circumstances change.
    DMP March '15 £57549. Now £44518. Going SM Feb '18 to get DF sooner.
    Emergency fund #231... £35/£1000.
    £2 Challenge #43.. £10. 20p Challenge #104.. £6.80
    Christmas 2018 challenge £9.26/£300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • Onebrokelady
    • By Onebrokelady 16th Feb 18, 7:45 PM
    • 155 Posts
    • 338 Thanks
    Onebrokelady
    Thats what I was thinking,emergency fund it is then ,Im quite enjoying saving some money for a change and planning where my funds are going,I have always wanted to save for Xmas but have never managed it,but I now have a plan and an amount in place to save up a good chunk so I dont end up short next January
    It definitely helps to know others have been there before me and im not alone in this,its such a weight off my mind, next step is to open a savings account for my emergency fund and Xmas savings then it won!!!8217;t be in the house where I!!!8217;m tempted to dip into it
    Just keep swimming
    Payment a day challenge = £58.76
    • Onebrokelady
    • By Onebrokelady 17th Feb 18, 10:19 PM
    • 155 Posts
    • 338 Thanks
    Onebrokelady
    Phew that was a busy day at work,Im so glad Im home now and can relax for a bit,feeling loads better now but still a bit wheezy and needed my inhaler twice today,Im hoping this will settle down soon,I did have an excellent nights sleep last night which is highly unusual for me,its definitely helping though
    Money wise today was an NSD so all good there,I havent been shopping apart from food shopping for ages,I dont need anything and definitely don!t want anything,I keep looking at things in my house that Ive bought over the term of me acquiring this debt and I just feel so annoyed with myself that at the moment its putting me off,I have a gift card in my purse for Next that I got for Xmas and I havent even got the will to go and spend that at the moment mainly because I dont want to waste it on things I dont actually need,I might need some new tops by the summer because of losing weight so Im going to save it for then
    Im off tomorrow so can have a bit of a lie in and then Im not sure what Im going to be doing,I know I need to clean out the chicken run so that is on the list but apart from that I have nothing planned,I might do some more sewing we will see
    Last edited by Onebrokelady; 17-02-2018 at 10:22 PM.
    Just keep swimming
    Payment a day challenge = £58.76
    • Cherryfudge
    • By Cherryfudge 18th Feb 18, 12:02 AM
    • 1,301 Posts
    • 6,499 Thanks
    Cherryfudge
    It's good to see you are so much better and coping with work again!

    I must have been a shock coming to terms with the energy bills but winter is always the worst time for those and with your new reformed ways you are already on the way to sorting it out. I expect the Old Style board has some good tips on energy saving, and I noticed the MSE newsletter headlines with whether or not to keep the heating on low, this week.

    It's nice your daughter is able to make some contribution. I agree with using it for the EF. That way you really do have a buffer and if for any reason she has to stop paying, you won't have committed it to any debt repayment.

    I know how you mean about not wanting to spend. I was desperate to get out of the house yesterday and normally I'd have had a wander down to the village and bought chocolate or something but instead I went on a nice healthy walk which was not only free but also enjoyable. Why not save the gift card until it's sale time or there's something you specifically need (or even something you really fall for, seeing as it's a gift!).
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