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light at the end of the tunnel

I have been a lurker for over a year now and after reading all your helpful advice I have pulled my head out of the sand and today I have set up a new bank account and have started proceedings to start a debt management plan with cccs. I feel there is a light at the end of the tunnel.:)

Comments

  • hampsterpoo
    hampsterpoo Posts: 833 Forumite
    Part of the Furniture 500 Posts Combo Breaker
    well done , these is light at the end of the tunnel indead
    ;) Member of change Pip's name back to PIP club ;)

    :jI've only blooming got my name on it :j
  • CH27
    CH27 Posts: 5,531 Forumite
    Well done :T
    Try to be a rainbow in someone's cloud.
  • :T Well done!!!
    It feels great to start getting things under control, good for you! Good luck on your debt free journey!!
    :jDebt Free Day - 2nd Feb 2012 :j can't wait!!
  • EssexHebridean
    EssexHebridean Posts: 24,437 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done! That's the hardest bit dealt with as well - actually facing it. :T
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • Pips_Mum
    Pips_Mum Posts: 2,893 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Well Done! Now the ball has started rolling things will really move for you. Good Luck :-)
    Debt at LBM [strike]£17,544[/strike] :eek: £5700
    :TOver £14,000 PAID OFF :T

    2020 the year of less - Less debt, less waste, less spending, less stuff, less stress!
  • Thank you all for your words of encouragement and I hope I will be able to give others some advise as I take my journey to be debt free.
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