Half Way to Debt Free - Struggling

jaxh1

Hi everyone this is the first time I have posted on here but I have been reading for a while.

I am on a 5½ year debt free plan with CCCS, who have been excellent. I am about 2 years and 10 months into the plan but find I am struggling a little, mentally not financially.

There are things in my home that are starting to need replaced, ie threadbare carpet and rattling washing machine :-( I cant get credit cos my credit rating is shot and I dont have enough spare cash to save. I have been so used to using credit to buy whatever I needed I am now struggling with not being able to go into currys (or wherever) and ordering a new washing machine :-(

I was over £32,000 in debt at the start of my plan and currently it is down to just over £15,000. I know that is a huge achievement, I just think I am having the half way blues, my debts dont seem to be reducing at the moment.

taplady

Hi jahx - you seem to be doing really well so far! We're in a similar position to you 2 years till debt free!
have you tried Freecycle - I've seen washing machines for free on there!

weebit

would it be possible ot make reduce payments for a few months and use the extra money to buy the new things you need?

Silverbird

Definitely cannot recommend Freecycle enough.

We got a lovely TV for free a year ago and it's fab and was just collecting dust by a lovely couple who had no use for it.

I've seen both washing machines and carpet on my local Freecycle.

It's a fabulous site and really helps those out who are struggling financially but still need the basics to get by.

jaxh1

Thank you all!
I have never heard of Freecycle - I will definitely check it out.
I dont really want to reduce my payments as that just extends the length of my payment plan.
Thank you all again. Jax

milliemonster

Hiya hun, why don't you post up a new SOA and we can see if we can help you find the cash to save for emergencies?, your DMP should be allowing you extra for this