It's finally hit me.....

MushyPeas

No probs LMB

I'm a newbie, only signed up last week and it has been a relevation this website!!!

15 minutes to go till 7 PM

MP

mom23

Hi LMB
Have just read your thread!! cannot beleive what you have achieved in one day!!! :T
BIG (((((HUGS)))) xxxxx

beanielou

Well done you.
It can only get better now.

roswell

Little miss Broke, Do you (well did you) have a EGG "MONEY" card, if so these are only 7 ish % interest for negative balances.

Good luck looks like you do well gettign debts free, if you can try pay some small debts off first from little wins comes plenty motivation.

D&DD

I'm late as always!! Welcome to the site LMB and well done everyone on a fantastic thread.I still can't believe what a difference a day on here makes to people (thats including myself in that!!) It's onwards and upwards from here on in and well done on all that you've accomplished today.

lynzpower

just an extra :T :T :T :T :T from me!!

Congrats! :money:

sashacat

well done LMB....you have done lots to your debt today.. you have recognised it, shared it with OH, shared it with us lot, and cut up your cards..go and have a lovely evening and congratulate yourself for being so brave and so positive.
:T :T :T :T :T :T :T :T :T

skintchick

So...how did it go???

kathfisch

Yeah, how was your evening? I hope you managed to have a really good chat with your hubby and still feel so positive about making changes! Any luck phoning banks etc that couldn't help you yesterday?

Kath

little_miss_broke_2

Good afternoon all :wave:

Last night was great, we talked and talked and talked some more! He was wonderful, understanding and totally non-judgemental. For anyone who is scared to tell their partner about their debt, please don't be. Tell him/her, it'll be a load off your mind. Two heads are better than one and all that!!

Hmmm, the banks. Well, not as totally helpful as i was hoping to be honest. Both lloyds and virgin CC's have both cancelled the payment protection insurance, which will be a great help i'm sure (between them there was almost £50 a month going straight back onto the cards), but i was informed IF i did a "payment plan" i.e. reduced payments etc... it would affect my future credit rating. That's not something i really want to do if i can help it. I'm a bit disappointed to be honest, but i'm going to carry on paying the minimum monthly amounts for the next few months and see how i get on.

I had to go into town this morning and i was like a new woman! I bought nothing i didn't need (which was only 2 bithday cards!), went to the bank to do my change of name details and then came home.....on the bus. I'm ashamed to admit this, but usually when i go into town i always get a taxi home. Now i think to myself "what a total waste of money". I feel rather proud of myself actually! I know i have a long way to go, but i can feel positive about the future now, haven't felt like that for some time.