When you're in a "Debt hole"..Stop Digging!

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  • Chrisblue1962
    Chrisblue1962 Posts: 1,203 Forumite
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    Have just cut back lawn. Having a breather then got few more little jobs to do...:). Nice to spend time not worrying about finances

    BFN fellow DFW'ers :wave:
    DFW'er - Lightbulb moment : 31st July 2009 - £18,499
    28th October 2019 -     £13,505 - 27% paid off.
    Demolishing my House of Debt.. one brick at a time!! :)
    Thinking of spending???..YNAB says "NO!!!!"


  • Chrisblue1962
    Chrisblue1962 Posts: 1,203 Forumite
    First Anniversary Combo Breaker
    edited 30 April 2010 at 12:01AM
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    After some reading, have arranged to transfer my Cash ISA which is only earning 0.5% to another provider so that it will earn 2.5%. Not much in the account, about £20.00, but it's a step in the right direction...:)
    DFW'er - Lightbulb moment : 31st July 2009 - £18,499
    28th October 2019 -     £13,505 - 27% paid off.
    Demolishing my House of Debt.. one brick at a time!! :)
    Thinking of spending???..YNAB says "NO!!!!"


  • Chrisblue1962
    Chrisblue1962 Posts: 1,203 Forumite
    First Anniversary Combo Breaker
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    Made first payment on my DMP today....first of many hopefully. Only potential "fly in ointment" is OH's job may be in jeopardy come end of May :(.

    Balanced finances tonight, should have enough to last until payday...phew! Next month is going to be tight though...when will I get some "breathing space"?
    DFW'er - Lightbulb moment : 31st July 2009 - £18,499
    28th October 2019 -     £13,505 - 27% paid off.
    Demolishing my House of Debt.. one brick at a time!! :)
    Thinking of spending???..YNAB says "NO!!!!"


  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
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    Hi!
    Sorry I haven't been around for ages. Good to hear your payments have started ok- any news on OH's job?
    2019 fashion on a ration 0/66 coupons
  • Chrisblue1962
    Chrisblue1962 Posts: 1,203 Forumite
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    Hi Jellie

    OH lost her job towards end of May so she is looking for another job :cry:

    Paying bills is really getting hard, probably going to have to "miss" one or two i.e. robbing Peter to pay Paul.

    I am going to ramsack the shed and sell everything that is no longer needed.

    Also looking to get 2nd job

    Sorry the news is so depressing....
    DFW'er - Lightbulb moment : 31st July 2009 - £18,499
    28th October 2019 -     £13,505 - 27% paid off.
    Demolishing my House of Debt.. one brick at a time!! :)
    Thinking of spending???..YNAB says "NO!!!!"


  • *Jellie*
    *Jellie* Posts: 3,018 Forumite
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    Sorry to hear that. I hope she finds something suitable quickly. Good luck with getting the bills paid in the meantime.
    2019 fashion on a ration 0/66 coupons
  • chevalier
    chevalier Posts: 7,937 Forumite
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    Hi Chris

    I have just read your diary from start to finish. I am sorry that life is so sucky for you at the moment.

    What profession is your OH in that has such litttle job security? Is it worth her changing careers or just doing anything to bring in money?

    Also if your DMP was predicated on both of you working then you can call CCCS to say you have a change in circumstances, and they will renegotiate for you.

    good luck
    chev
    I want a job that is less than an hour driving away from my house! Are you listening universe?
  • Chrisblue1962
    Chrisblue1962 Posts: 1,203 Forumite
    First Anniversary Combo Breaker
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    Well. I'm off work for a week but have planned to do lots of jobs i.e.

    • Sort out garden
    • Fix a couple of pcs
    • Totally clear out both sheds
    • Sell unwanted stuff on ebay
    • Sort out and file all letters
    • Sort out finances
    Will post progress report asap :)
    DFW'er - Lightbulb moment : 31st July 2009 - £18,499
    28th October 2019 -     £13,505 - 27% paid off.
    Demolishing my House of Debt.. one brick at a time!! :)
    Thinking of spending???..YNAB says "NO!!!!"


  • Chrisblue1962
    Chrisblue1962 Posts: 1,203 Forumite
    First Anniversary Combo Breaker
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    Well, garden 80% sorted, will return to that tomorrow or Friday.

    Tomorrow, I venture into the murky maelstrom a.k.a The Sheds!!! :eek: - I have two you see :D. Legends say great treasures may e found there!....
    DFW'er - Lightbulb moment : 31st July 2009 - £18,499
    28th October 2019 -     £13,505 - 27% paid off.
    Demolishing my House of Debt.. one brick at a time!! :)
    Thinking of spending???..YNAB says "NO!!!!"


  • Chrisblue1962
    Chrisblue1962 Posts: 1,203 Forumite
    First Anniversary Combo Breaker
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    Well, managed to survive until payday but next month is going to be a toughie....

    Car tax due and nothing to pay it with :(

    Will manage somehow.
    DFW'er - Lightbulb moment : 31st July 2009 - £18,499
    28th October 2019 -     £13,505 - 27% paid off.
    Demolishing my House of Debt.. one brick at a time!! :)
    Thinking of spending???..YNAB says "NO!!!!"


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