well i have done it

jbaugh

hi

After gathering support and information from here i did my budget sheet...and i had 44 pounds a month to pay off 5600 of debt...i did my letters cut my cards up and posted them off on monday just gone so now i am dreading the mail each day and the phone ringing!

I have put in my request at bank for charges info,,,,i am just as nervous as nervous can be still not sleeping and feeling dreadful i have the doctors on friday thats another step in the right direction.

thanks to everyone will keep dropping a line to keep myself sanish!

thanks jo xx

Triker

Hey well done, you're moving in the right direction.

Please try to relax a bit, you need all the sleep you can get with the little ones.

There is only one of you and your family need you fit and well, bum to the banks and credit card companies. Please, please try to look after yourself and good luck at the doctors XXX.

CLAPTON

have you posted here your budget sheet and a sample of your letters?

Verbatim

Glad you've got things moving. Try not to worry and let us know how you get on.

jbaugh

the letters are the sampleones of the debt advice site where you fill in the blanks and put your details.....

ill post my budget sheet as soon a i can get to paperwork without waking the children on the advice of the debt line people as the debts are mine not joint i did the budget on my oncome only which is tfamily allowance and child tax credit mt debt may not seem huge but as my partner only earns 15000 at a max a year were on the higher rate of child tax family thing ....so i have 106 per week to buy food clothes pay elec/gas/disel/nappies /formula/poll tax..

our mortgage is near 700 now with the intrest rate rises that and things like car tax car ins house ins and lving uses my partners money up ...

i just hope that they arnt vile nasty to me in their replies i feel humiliated enough as it is

Triker

i just hope that they arnt vile nasty to me in their replies i feel humiliated enough as it is

Instead of feeling humiliated, give yourself a great big pat on the back for sorting out all this and doing what you have done. Its not easy at the best of times and yet..........you have done it. Despite feeling like you do.
All this shows your inner strength and resolve to sort out your debts and not bury your head.

Sending you this as I think you need one :grouphug: and also this because you deserve a great big :j WELL DONE.

angchris

a big well done for all of your achievements so far:T :T you are doing great! a friend of mine is really skint at the moment (arent we all!:rolleyes: ) and she has set herself a mission of back to basics with the nappies as she had a stack of old towels in the airing cupboard she cut them up and made nappies/wipes and now uses them daily and puts what she would of spent (£6 ish a week on nappies and £2 on wipes)£8 in a jar religousely every week she now nearlly has £200 in her jar :eek: and has only been doing this for 6 months or so and next week will be able to clear her next catalogue :T im not suggesting that you do this but i was just using her as an example of what can be done sometimes with a little effort because all the small changes that you can make to your outgoings really do add up over time and you have the added satisfaction of that feeling yayyyy i did that :beer: keep chipping away at your outgoings and this should free up some extra cash... keep up the good work!! you can do it...angchris

lynzpower

this bit alarms me hun

our mortgage is near 700 now with the intrest rate rises that and things like car tax car ins house ins and lving uses my partners money up QUOTE]

Quick, cant you fix your mortgage and bring the cots down? more interest rate rises due for feb too.

My mortgage has gone up 150 quid a month since coming off my fixed( waiting to sell up so I cant fix again) so with seeing a broker, you might well do better out of this. If poss do it before you go on a DMP!

madduck

i just hope that they arnt vile nasty to me in their replies i feel humiliated enough as it is
When the first start to respond to you, some of them might not be too pleasant. Remember though - don't let them get to you. You are paying all that you can afford, don't let them try to get you to pay more than you can. You are taking responsibility for your debt, not an easy thing to do, don't let them screw with your head!