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DFW weekender

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Comments

  • spud30
    spud30 Posts: 16,872 Forumite
    bank_of_slate wrote: »
    would you maintain the same payments or re-negotiate them spud?
    ...Linda xx

    I want to be able to send more whenever I get any overtime etc, never pay any less.
    Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:
    Loves being a Wonderbra friend :kisses3:
  • bank_of_slate
    bank_of_slate Posts: 12,922 Forumite
    10,000 Posts Combo Breaker
    Once you pay more don't they start arguing that because you can now afford to increase the payments that they unfreeze the interest and demand the higher amount every month?
    ...Linda xx
    It's easy to give in to that negative voice that chants "cant do it" BUT we lift each other up.
    We dont count all the runners ahead of us & feel intimidated.
    Instead we look back proudly at our journey, our personal struggle & determination & remember that there are those that never even attempt to reach the starting line.
  • spud30
    spud30 Posts: 16,872 Forumite
    bank_of_slate wrote: »
    Once you pay more don't they start arguing that because you can now afford to increase the payments that they unfreeze the interest and demand the higher amount every month?
    ...Linda xx

    Unfortunately, our creditors have never stopped arguing !!!
    Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:
    Loves being a Wonderbra friend :kisses3:
  • redsquirrel80
    redsquirrel80 Posts: 12,457 Forumite
    Spud, Linda is right, wouldn't you be better (whether you stay with CCCS or not) to save up any extra so you can offer full & finals?
    Debt@16.12.09 £10,362.38, now debt free as of 29.02.2012.
    "I cannot make my days longer so I strive to make them better."
  • spud30
    spud30 Posts: 16,872 Forumite
    redsquirrel80 wrote: »
    Spud, Linda is right, wouldn't you be better (whether you stay with CCCS or not) to save up any extra so you can offer full & finals?

    I keep trying to save up, but something always 'crops up' and the money is gone. I guess I should probably keep going with CCCS.
    Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:
    Loves being a Wonderbra friend :kisses3:
  • bank_of_slate
    bank_of_slate Posts: 12,922 Forumite
    10,000 Posts Combo Breaker
    Have to say I'm inclined to agree with red squirrel on that, what's your current debt free date with CCCS?
    Do you stand to reduce it by a lot if you go it alone?
    I'm a bit of a 'don't rock the boat unless you have to' person.
    ...Linda xx
    It's easy to give in to that negative voice that chants "cant do it" BUT we lift each other up.
    We dont count all the runners ahead of us & feel intimidated.
    Instead we look back proudly at our journey, our personal struggle & determination & remember that there are those that never even attempt to reach the starting line.
  • bank_of_slate
    bank_of_slate Posts: 12,922 Forumite
    10,000 Posts Combo Breaker
    spud30 wrote: »
    I keep trying to save up, but something always 'crops up' and the money is gone. I guess I should probably keep going with CCCS.

    Unfortunately there's not a damned thing we can do about that, it happens to everyone!
    At least if you have a bit to use for the unexpected things that always crop up at the most awkward moments, it's not increasing the debt!

    EDIT: I'm trying to think of people on here who have gone it alone themselves, they are probably the best to guide you through if you're going it alone.
    ...Linda xx
    It's easy to give in to that negative voice that chants "cant do it" BUT we lift each other up.
    We dont count all the runners ahead of us & feel intimidated.
    Instead we look back proudly at our journey, our personal struggle & determination & remember that there are those that never even attempt to reach the starting line.
  • spud30
    spud30 Posts: 16,872 Forumite
    bank_of_slate wrote: »
    Have to say I'm inclined to agree with red squirrel on that, what's your current debt free date with CCCS?
    Do you stand to reduce it by a lot if you go it alone?
    I'm a bit of a 'don't rock the boat unless you have to' person.
    ...Linda xx

    It's forever away Linda, I'm ashamed to admit it's Oct 2028.
    Is it better to aim for the stars and hit a tree or aim for a tree and land in its branches :think:
    Loves being a Wonderbra friend :kisses3:
  • bank_of_slate
    bank_of_slate Posts: 12,922 Forumite
    10,000 Posts Combo Breaker
    No need to be ashamed at all!
    you're doing something about it, even if it takes a while it takes guts.
    the shame is in continuing to bury your head in the sand!
    ...Linda xx
    It's easy to give in to that negative voice that chants "cant do it" BUT we lift each other up.
    We dont count all the runners ahead of us & feel intimidated.
    Instead we look back proudly at our journey, our personal struggle & determination & remember that there are those that never even attempt to reach the starting line.
  • redsquirrel80
    redsquirrel80 Posts: 12,457 Forumite
    bank_of_slate wrote: »
    Unfortunately there's not a damned thing we can do about that, it happens to everyone!
    At least if you have a bit to use for the unexpected things that always crop up at the most awkward moments, it's not increasing the debt!

    EDIT: I'm trying to think of people on here who have gone it alone themselves, they are probably the best to guide you through if you're going it alone.
    ...Linda xx

    What that clever lady said ^^

    It's a tough one but I always get the impression that CCCS etc give you a bit of stability. I negotiated with my creditors myself and I seem to have to deal with some sort of cr*p from one or other of them every few months.
    Debt@16.12.09 £10,362.38, now debt free as of 29.02.2012.
    "I cannot make my days longer so I strive to make them better."
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