On my way.......it may take a while!

Molly1980 · 3 December 2008 at 10:25PM

After reading alot of inspirational stories and realising I am not alone I thought I should be brave myself and set up my own diary-A bit like therapy.......so here goes!

I have been in debt for as long as I have earnt money-seems I was stupid enough as a 17 year old thinking credit cards and store cards were free money, and people kept letting me have them!

Some 11 years later, several consolidation loans and more sleepless nights than I care to remember I had my lightbulb moment!

I suddenly realised that I was way over my head in debt and had been ignoring it for far too long and I couldnt lead the life I wanted to be living if I carried on the way I was going.

I am lucky enough to have a wonderful boyfriend:happyhear who I told all about my debt, and with his support, I plucked up the courage to contact payplan. It all seemed so easy, and within a month or so, all my creditors agreed to my reduced amounts and I was on my way to getting myself sorted.

I have had some problems with my DMP I must admit-with default notices and having to contact creditors myself to get things done as payplan seemed to be a bit slack on things I needed doing (and often didnt really sympathise with my teary calls asking them to contact a creditor urgently!).:mad:

I still get nervous/sick/panic stricken each time I get a call or letter from any of my creditors. It seems I go months sometimes without hearing anything, and then a letter comes and all the guilt, foolishness, sadness of what I have done to myself creeps back in, but I have to put it to the back of my mind and think that I must keep positive-although it is so hard sometimes to stop beating myself up over it- I MUST ACCEPT IT - DEAL WITH IT- GET ON WITH LIFE!:T

Soooooo here i am, writing my story, and I actually feel a great sense of relief having got it all off my chest! Another good thing, is that whilst writing this, I finally admitted my total debt figure to my boyfriend-something I had kept to myself for the year and a half we have been together! Ahhhh I feel much better now!

So here is to 2009 and hopfully clearing alot more of my mess up!

:xmassign: :xmastree: :santa2:

ragstoricheswannabe · 3 December 2008 at 10:31PM

welcome to the board molly and congrats on facing up to and making a start on dealing with your debts. i too had store cards at a young age and got into quite a bit of debt with them so know how easy it is.

the best bit about this board is you can admit to anything and get everything off your chest as no one knows who you are but can listen and advise!! there are some great people on here with varying degrees of debt but all with good ideas and tips!

good luck,
rags to riches wannabe
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