Nearly 30, in debt, lost and nervous! I need to change.

girlatplay

Lost, your posts now are so much more positive than they were at the beginning. Lovely posts from ebayqueen and Slowdown. Look how far you have come!! The more you want to do better, the easier it will be.

Take care honey xxx

Lost_and_nervous

Where do I start?! OH and I have been getting on! Still not able to talk to him but we've got on. Something has come out of the woodwork though. A few years ago, we run up a credit card well ok I did more than him but he kept saying shove it on there. it's his but we used it to go on holiday and for some new furniture for house. Direct debit set up for monthly minimum payments. Nothing has been said end of that. anyway a statement has come through, I opened it not realising it was his as the statement had moved so could just see address, the total is £9342.52. I can't believe how stupid we have both been. It's awful. His other card has £3678 on it. Both get minimum payments. I am so disgusted and he would be too. So what's the plan make over the minimum payment. I have been to both the banks and got the paying in slips and envelopes and will ensure they are usedfor extras. Would the banks question it? Or do they just process it? My debts are on a dmp, I am sorted in the fact that I will be making payments to them, will that improve my credit rating? I know me and OH haven't got but after this weekend I am determined to give it my all and make it work. We only have one chance at life so need to make the most of it. And it's not fair on dd! Tomorrow I will have a more get up and go attitude! It's the only way forward!

No more wasting time! I will split extra money I make 3 ways - 1 to cc1 1 to cc2 and 1 to my fund. Even if it's 3 p it will get split and then at the end of the month deposit it!

Xxx

girlatplay

Why don't you take a look at the PAD thread? https://forums.moneysavingexpert.com/discussion/3331028

It is really good for keeping you motivated and it is very addictive. You don't need to PAD every day and you don't have to post every day, just as and when, but the principle is great. Even 3p counts!

Great to hear that you and OH have been getting on.

I'm not certain but I think the banks would just process it. They will be happy to be getting their money back so I don't think they would have any reason to question it.

xx

Lost_and_nervous

girlatplay wrote: »

Why don't you take a look at the PAD thread? https://forums.moneysavingexpert.com/discussion/3331028

It is really good for keeping you motivated and it is very addictive. You don't need to PAD every day and you don't have to post every day, just as and when, but the principle is great. Even 3p counts!

Great to hear that you and OH have been getting on.

I'm not certain but I think the banks would just process it. They will be happy to be getting their money back so I don't think they would have any reason to question it.

xx

I had a look before but it wasn't the right time! But I will go over and have a look again! Thank you. How are you?

Your right, I just don't want them to get fed up of small amounts being paid! I am determined! I will do this! Xx

girlatplay

I think a lot of people PAD small amounts just to pee the companies off :rotfl:

I am ok thank you. Hope you and little Lost are ok too.

xx

Lost_and_nervous

girlatplay wrote: »

I think a lot of people PAD small amounts just to pee the companies off :rotfl:

I am ok thank you. Hope you and little Lost are ok too.

xx

Really do they, that makes me feel better! That is funny, they probably know the people who are on this site! I can't get over how determined I am feeling.

Glad to hear you are ok. We are good thanks, so much to do today at work but I really don't want to be here, I want to be at home! Xx

girlatplay

I feel like that every day. Work just gets in the way of my life. There are so many things needing done which I can't do because I have to go to work :mad: Massive lottery win please

xx

Lost_and_nervous

girlatplay wrote: »

I think a lot of people PAD small amounts just to pee the companies off :rotfl:

I am ok thank you. Hope you and little Lost are ok too.

xx

Really do they, that makes me feel better! That is funny, they probably know the people who are on this site! I can't get over how determined I am feeling.

Glad to hear you are ok. We are good thanks, so much to do today at work but I really don't want to be here, I want to be at home! Xx

ebayqueen_2

Hi Lost

I am delighted to hear that you feel so determined. Keep going and keep padding. I pad every day from my current account to my Halifax reward account. It might be 90p one day and £10 another but it is very satisfying and addictive.

How are you today Lost?

God bless
E

Lost_and_nervous

ebayqueen wrote: »

Hi Lost

I am delighted to hear that you feel so determined. Keep going and keep padding. I pad every day from my current account to my Halifax reward account. It might be 90p one day and £10 another but it is very satisfying and addictive.

How are you today Lost?

God bless
E

Thank you, I am going to do this, thats so good that you are in the habit of doing it daily, I need to get to that stage.

I am ok thank you, a little bit slow at motivating myself but I am getting there, waiting for DD to have a nap so I can rush round and do some bits with the hope that I am going to get the motivation bug!

How are you? xx