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I think I have made it

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Today is a step in the right direction, after many set backs with work and health I am finally on the right path and I am entitled to WTFC which has helped, also I rang the CCCS and they sent me out their info pack which has helped alot also.

So today I did my own income and expenditure sheet, I contacted all the companies I owe money to with sensible offers (within my budget) and nearly all have been accepted.:T and I still have money left over to live on and save with.:T I am so chuffed:j

Its easy for me to do this beacuse I live with OH and he pays his bills and I just pay Council Tax for myself and food.

But I couldnt have seen the light at the end of the tunnel without help and advice from MSE.

Thanks.xxxxxx

Comments

  • Sea78
    Sea78 Posts: 6,185 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Yayyy! Lovely hear that you're on track and feeling positive :j

    Keep it up! :T

    Sea xx
    CCCS DMP:Feb 07
    Total:£37,016.47 now £0 DEBT FREE FEB 14

    2022 Decluttering Campaign 49/1011
  • CosmoCat
    CosmoCat Posts: 681 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    well done!! that's a very positive step in the right direction :T
    MFW Newbie - #17. (#116 in 2019)
    New Mortgage at Nov 19 - £273 499
    Current Balance - £268 225
    Want to cut down 26 year mortgage by 9 years!
    New MF date 2036 :dance:
  • beanielou
    beanielou Posts: 95,519 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    you are doing really well:rotfl:
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • VeryTrying_2
    VeryTrying_2 Posts: 525 Forumite
    Part of the Furniture Combo Breaker
    To help you on your way, have you thought about claiming back your bank charges? There are several threads on the subject and some MSEs seem to be having great success.
  • System
    System Posts: 178,348 Community Admin
    10,000 Posts Photogenic Name Dropper
    Good Oh. Onwards and Upwards! Up the Boro?

    Lenny
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
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