too scared to talk before plus had my internet cut off.

miggy

Well done for making a start Babycham. I really think that's the hardest part of anything we would rather put off.
Just keep chipping away at it and remember there are lots of people hear with plenty of experience and know-how to help you.

babycham_2

Thank you all. Took the bull by the horns(almost), opened letters, worked out my outcome and income. Majority of bills are now direct debit, cut phone bill from BT to Talk Talk with Broadband. Spoke to creditors and worked out an arrangement with most of them. Couldnt talk to them all at once! Took on another job, as I was only working 30 hours a week. Now working at least 12 more hours, but after reading what you all have to say I now save £5 a month in a savings acount. Not a lot but a start hey! Now have a little more confidence with replying, thanks.

LookingAhead

Well done!! From not confronting your fears to all you've done (reading your last message) I think you've done LOADS.

Be proud!

whatatwit

Hi Babycham, well done on opening the rest of your post, It's not always easy.

Keep up the good work.

taxi73

Hi babycham and well done on dealing with them all..it still may help to post your SOA then we can maybe help you to save some more money:T :T :T :T

babycham_2

Will post my SOA soon, then hopefully you can all help with saving me more money. I now know I should have done this ages ago, but feeling more positive with each week. I dont feel ashamed anymore actually I feel proud that I can speak about it.

miggy

Hi babycham,
I was away and am only just catching up - how's it going? You sounded pretty positive in the last few posts.
Have you started a thread for your SOA or is it coming on here?

LouBlue

babycham wrote:

Will post my SOA soon, then hopefully you can all help with saving me more money. I now know I should have done this ages ago, but feeling more positive with each week. I dont feel ashamed anymore actually I feel proud that I can speak about it.

Hey there. I'm fairly new on here and have only just read your thread.

You are doing so well! Just take one step at a time and there are a lot of wonderful people on here that will help you through it, with either financial advice or just hugs when you need them.

Keep up the good work! Hugs from me!!

x