We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Oh crap, January was meant to be my fresh start.

arghindebt
Posts: 25 Forumite
I started a debt plan with CCCS which was due to start 1st Nov, and am getting tons of calls and letters from all debtors telling me it's not good enough.
I have a couple of other small debts which I didn't include on it (one or two for personal reasons) and while I've realised one is a friends and not mine (and she's paying it tomorrow!) I was supposed to have enough money left over this month to pay it.
I have no idea how I've spent so much money this month, I'm a student and I've tried so hard to live strictly by the budget CCCS gave me (and it didn't seem too unmanageable at the time) but it just hasn't happened. What can I do? Bills seem to go up every month which doesn't help too.
I get paid next Fri, but I have food shopping being delivered sunday and train fare to pay before then, and I'm currently about £350 down. :eek::eek:
I feel like a total failure and like it's all snowballing out of control again.
I have a couple of other small debts which I didn't include on it (one or two for personal reasons) and while I've realised one is a friends and not mine (and she's paying it tomorrow!) I was supposed to have enough money left over this month to pay it.
I have no idea how I've spent so much money this month, I'm a student and I've tried so hard to live strictly by the budget CCCS gave me (and it didn't seem too unmanageable at the time) but it just hasn't happened. What can I do? Bills seem to go up every month which doesn't help too.
I get paid next Fri, but I have food shopping being delivered sunday and train fare to pay before then, and I'm currently about £350 down. :eek::eek:
I feel like a total failure and like it's all snowballing out of control again.
0
Comments
-
arghindebt wrote: »I started a debt plan with CCCS which was due to start 1st Nov, and am getting tons of calls and letters from all debtors telling me it's not good enough.
I have a couple of other small debts which I didn't include on it (one or two for personal reasons) and while I've realised one is a friends and not mine (and she's paying it tomorrow!) I was supposed to have enough money left over this month to pay it.
I have no idea how I've spent so much money this month, I'm a student and I've tried so hard to live strictly by the budget CCCS gave me (and it didn't seem too unmanageable at the time) but it just hasn't happened. What can I do? Bills seem to go up every month which doesn't help too.
I get paid next Fri, but I have food shopping being delivered sunday and train fare to pay before then, and I'm currently about £350 down. :eek::eek:
I feel like a total failure and like it's all snowballing out of control again.
Ok, first step is a nice cup of tea and a calming five minutes to yourself.
The next step is to post your SOA for us to look over so we can see where you might be able to save some pennies.
You should start a spending diary, so you see where every penny is going. Don't cheat and forget to write things down!
Don't panic, there is no money problem that you can't find a way out of. Your among friends! Now, stick the kettle on and we will look over your SOA when you have time to post it.
Mines a cuppa tea, milk no sugar0
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.2K Work, Benefits & Business
- 600.8K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards