Am I doing the right thing?

scaredwitless_3

Just thought I'd let you know that I did contact CCCS yeasterday & I have my counselling interview on 3rd October.
As I am not in arrears with anything & not had things bounce I have not contacted any of the creditors yet. What I would 'like' to do is to sort out the mess without having to necessarily go down that route. I have snowballed & apparently should be debt free by June 2013. In some ways that doesn't seem so bad but then I think my eldest will be 14 by then! OH still does not know - I know, I know. But if I can manage this by cutting rightback then I'd like to. Have been ebaying, amazoning & traded in an old mobile. Groceries this week (for4) £65 which is Sooo much better but I want to get it down to £50 at the most.
I do talk to you all and my sister which really helps but am i kidding myself?
Sometimes I feel positive then the doubt sets in. I just want o be able to get through the day without thinking about debt ALL the time.

taplady

Hi SW! I'm no expert but it seems like you're on the right road! CCCS are the experts and you'll feel so much better when you've spoken to them.
I know I did. Thanks to them I can sleep at night now!:D

All the best;)

scaredwitless_3

Thanks TL.
If I can manage without going down the DMP route then thats what I want. If things change then I'll have to look at it again.
I fell better!!

msmicawber

Good for you - you've made a really good start. When I first started paying off my debts, not only was my debt free day in the next milennium, but it was way beyond 2006. However, things changed a little as I went along - pay rises, then better paid job, I got better at shopping and reducing outgoings, etc. and my debt free day came about 5 years earlier than I had anticipated. You can do it too.