New here, hi

domesticgoddess

just thought i would say hi. I'm a mum to 3 work part-time and am married.

I have struggled with debt on and off ever since uni days am nearly 40. I have made a vow to sort myself out and stay debt free now for the sake of my kids. Just wish my hubby would face up to his .


Anyway I've set up a DMP with CCCS and just had my first month payment and have 20 days left on my first budget month, so far it's not too bad, it feels comfortable but i am having to think about how i spend etc. Have to say how liberating it feels to get to this, my debt is about £35K with the CCCS the intial aim is to be debt free in 8 years but when i pay less childcare then i can tackle more of the debt.

Loan ads make me very angry now and despite having told my debtors my plans they are still piling on the charges.

My lightbulb moment was May and it was hard going through it all but am so pleased I did it. I had been struggling too long trying to rob peter to pay paul etc.

I'm also trying to sell old baby clothes etc via ebay and am meal planning each week, shop with a list and other simple things like that.

We are planning a lean xmas and are holidaying at home.

Onwards and Upwards
DG

keith_lard

Welcome aboard!!!!

You sound like you have sorted things out and 'yes' a debt free date is yours!!
You are doing a great budget and will soon in time be in total control.

WELL DONE!!

Everyone here is happy to help out any Questions.

Welcome once again.

Regards
k.

CosmoCat

welcome to MSE!! onward and upwards is a good motto.

hope you enjoy being here with us. it's a great place

carlih1

Hi,

Just to say welcome aboard.

Carli x

newmoneysaver_2

hi, why not post a soa to see if there are any other areas to cut back on. There are many dfw-ers who will be more than happy to have a look.

lynzpower

hello DG

Fab name, wish Id picked that

Welcome, and be sure to hang round here, adn pick up extra tips to make less go further. The df journey may be long, but it doesnt need to be lonely.
Also to say, plenty of us take space here to have a little whinge about OHs ( luckily not me, mines :A ) and theres some great advice Ive seen posted here over the last couple of months

Welcome to our gang

LookingAhead

domesticgoddess wrote:

Loan ads make me very angry now....

DG

Hello! Welcome aboard!:wave:

I know what you mean about adverts etc. I had a letter from Capital One on Friday saying I could borrow up to £75K :eek: :eek:

This immediately brought forth from me a verbal explosion of "You have no idea if I can pay that sort of money back you @!*!@*? :mad:

Glad to have you on board. Posting an SOA will help us give you tips on further cutting back - don't forget to check out the OS board as well. I have managed to cut our grocery bill down by about £40 a month so far (2 of us) and I am looking to reduce that further.

Molanole

Hi there

Just a quick post to say welcome :hello:. We're all here if you need us with questions and whilst I'm reasonably new myself there are loads of people on here who are well advanced down the debt free journey and have loads of useful advice.

M x

Mrs_Sparkle

Welcome DG! I'm new here too and cannot recommend this forum highly enough for useful tips and non-judgemental advice. I feel happier than I have done in years about my own situation and have finally broken the consolidation loan cycle!

In_Search_Of_Me

Welcome! Sounds like you're on the right track & doing well!! Keep it up & feel free to ask ?!! Just wanted to say hi!

Kevicho

Welcome to the forum

Nothing to say advice wise as CCCs should have maximised your budget, but well done on starting the path to being debt free!