Hi all..

Gemma84_3

I'm Gemma and i want to be debt free

I'v finally got my payments set up and if i stick to them i should be debt free this time next year (well apart from the credit card :mad: )

I'm just wondering, when would my credit file start to improve? *In a few months or once the debts are paid? (I was issued a ccj in 2005 which was paid off in 2007)

*Not that i want to obtain more credit as i never want to get in this mess again!! I am literally just surviving, its awful working 50hrs a week an having nothing to spend on myself or my as much as iwould like on partner an my son

downnotout

A CCJ will not be wiped from your credit file untill 6 years have passed.

Happytogetdebtfree

Hi gemma nice to see you, good luck with your dfw journey xx

fozmcfc

Good luck Gemma,

It can be very difficult when you first start paying your debt, but things do gradually ease over time. Infact it makes you look at how you manage/spend your money and you find ways to save even more.

At first you do have to live "like a Monk" as I say, but you do adjust and as I say you will look more closely at how you spend your money.

Good Luck.

Apricot

Hi Gemma, you have a similar debt free date to me. Hope your journey is an easy one!

road_to_recovery

good luck Gemma, I know how you feel, try to stay strong:)

willbdebtfree

hello Gemma - I too am Gemma and i too want to b debt free!

PLUS i too am hoping to be debt free (apart from one loan) :mad: by

this time next year...........spooky eh? just thought i'd say:wave: since we are practically the same person !!!!

Good luck x

Gemma84_3

Thanku all for your replies

I keep counting down the months.. 1 down 11 to go *sighs* lol