Hi all

*Kelly*

I can't believe I haven't found this site sooner! It's so reasurring reading everyone else's posts esp the ones were people are now debt free.

I have felt for the last 3 years that I will never be debt free and that i literally work for nothing.

A bit about my debt:

I decided when I was 18 a credit card would be a good idea (for emergencies!). I then decided when this was maxed out to transfer the balance and cut up the old card...which I never did. Now when both of these credit cards became maxed out I decided to get a loan...then I get yet another credit card with a limit of £1,200. A year later that credit cards limit had reached £10,200....thanks Halifax!

So at my worst point I had about 10 creditors to whom I owed a total of around £26,000 plus hire purchase of a MG which I ended up paying £17,000 for and later selling it for £2,000!

Then when the outgoings became more than the incoming I decided this had to stop.

I am now on a DMP with Payplan and have been since 2007. To date I have paid just under £10,000 and have about that to go again.

I am just glad that I can now talk to people in similar situations as there are so many times my debt gets the better of me and I become so down.

angelicmary85

Hiya,

Welcome to MSE!!

http://www.makesenseofcards.com/soacalc.html

Use this link to post up your income/outgoings...that's always the best way to start! Good Luck!

TotallyBroke

Well done for what you have achieved so far.
You're using a free company for your DMP which is great and you seem, from your post, to have learnt the money lesson.
Congrats

boo80

Hi Kelly, welcome to MSE. Well done for clearing so much debt already! My story is similar to yours, it's just far too easy to get credit and seems like a great idea when you're young and stupid (I'm calling myself stupid, not you lol)

This site is brilliant for support and advice. Boo.x

Tixy

Hello Kelly and Welcome to MSE and especially DFW. Here on DFW its a really friendly community and we all understand what others are going through. Perhaps look at joining in some of the challenges they help keep you motivated and pick up ideas for money saving tips.

PS What took you so long to find us!

*Kelly*

Tixy wrote: »

Hello Kelly and Welcome to MSE and especially DFW. Here on DFW its a really friendly community and we all understand what others are going through. Perhaps look at joining in some of the challenges they help keep you motivated and pick up ideas for money saving tips.

PS What took you so long to find us!

I have always used this website, its how I managed to claim back my bank charges but for some reason never saw the forum lol