Am I the only one without a DMP/IVA etc?!!

CosmoCat

yeah i'm going it alone...well not alone, with the help of you peeps on here!!

snowballing and throwing any extra at the debt.

Molanole

I'm going it alone too, by snowballing and cutting back where ever I can. I too am lucky in that I've not reached the position of failing to meet minimum payments but know just how easily it could have been that way if I hadn't found all you guys first!

Kevicho wrote:

Im DIY'ing it too

I think this ultimately will benefit me in so many areas such as

Money management
Record keeping
Self Discipline
Dealing with people

As Kevicho says, all of this is really helping to develop excellent life skills that I really value now. Interesting how I am able to manage a work budget of £4million to the very last penny but I can't handle my own funds!

Nod_Off

I'm going it alone too! I only sorted out my 'snowball' last month so I'm hoping that will keep me very disciplined while I tackle my debt. I've managed to get the majority of my creditors to accept lower payments and I now feel a bit more confident that I can get myself debt-free (no matter how long that takes;) )

scottishspendaholic

Another going it alone!

scottishspendaholic x

Anastacia

Going it alone too really.
I am not normally in much debt but had an expensive year (dont ask but will this extension ever be built & dont have your car converted to LPG unless you really enjoy the company of mechanics). Hanging around on here has made me realise that this is a debt, i just thought of it as spreading the payment of capital items. I have learned a lot from everyone though & it is decreasing. I will borrow more money in the future but only for major items (like a bigger house) not for holidays & other small/temporary things. You lot have made me feel to guilty about spending to buy anything so it is working out just fine!

and by the way, thank you all !:beer:
Anastacia

In_Search_Of_Me

OH good...BIG group "go it alone hug!!"...sometimes felt like I was on my ownesome so lovely to know that I'm not! Fortunately realising soon enough & being told to make a token jesture of £1 while they sent letters out was enough to scare the S*** out of me & make me change my ways!! Would be intersetd to know what other peoples "lightbulb"s were is anyone wants to share?

Ali-OK

I'm going it alone too! Though it was pretty close to heading down the DMP route when the lightbulb moment came. Thankfully got out of the woods on that one by finding MSE and chopping the outgoings, which has meant I can also make overpayments.

bargainbetty

Another loner here! I had my lightbulb moment when I realised that I couldn't go on spending my salary like I was part of a dual-income home any more (took well over a year after divorcing and buying my partner out of the marital home). I couldn't rely on his income for half the bills, and while I could do it alone, it took a huge amount of self-discipline to achieve it.

I've since got a job on better wages, but I am throwing everything I can at clearing the debts I ran up. This site had been great for extra tips, and I'm pretty sure I will be clear a lot faster than if I hadn't had the advice on here.