New to debit management

couzo

Hi everyone,

Debt is a funny thing I feel alone and to be honest ashamed of loosing control of my finances.

I have red countless threads and have seen some really good advice so thought I would post what my situation is and what I am doing about it. To get any further advice from you guys.

I have had a bad couple of years I now have a loan 3 credit cards and my wages just about cover everything but barely. I have cut back as much as I possibly but still find it hard to get by.

I have contact payplan to look at getting this sorted. Is this the right thing to do as at the moment I am paying off the bare minimum on everything and thats never going to get my debt clear.

If you guys need any other information please let me know

Hope you are all well

Daniel

kpwll

Hi & welcome Daniel,

My first contact with Payplan was in June of this year and I can honestly say it is 1 of the best decisions I have ever made. I felt ashamed of myself as well (and still do) but sometimes we take a wrong turning and find there is no turning back for a very long time, no matter how much we look for the right road. You've found your right road now and all the help you will ever need will come from all the people on here who are further down the road to recovery.
Good luck with your journey.

couzo

Thanks kpwll. I just got my first phonecall from payplan and have arranged a phone meeting with them for tomorrow evening while its not all sorted yet I feel a bit of the mental weight has been taken off my shoulders for just getting started

kpwll

There will always be someone on here for you to talk to, ask advice from or simply have a moan and a laugh with. I'm not saying it is easy but it does get easier and the relief you will feel (already starting to feel) is tremendous.

Karen