thank you !!

lyndarling · 28 January 2007 at 5:34PM

I am sitting here crying, as I had my lightbulb moment yesterday ! I`ve been so worried about everything, and then I found this site . reading everyones stories has made me feel very positive, and with the snowball effect I should be more or less debt free in just over 4 years.
Lyn

GirlRacer_2 · 28 January 2007 at 5:36PM

Congratulations Lyn,

This site is fab and keeps me on the straight and narrow, I'm sure it'll do the same for you.

lyndarling · 28 January 2007 at 5:37PM

I`m just so glad I`ve found it !
Lyn

sammiboo · 28 January 2007 at 5:45PM

My problem was i just ignored the debt I had and just thought it will sort itself out. Its quite scarey when you realise how much you owe and where you have gone wrong!

GirlRacer_2 · 28 January 2007 at 5:47PM

I always had in my mind that money would come from somewhere and sort me out. Guess what, nothing came!

I've not got as much debt as most people on this site but it still scares the life outa me.

Mrs_Sparkle · 28 January 2007 at 6:38PM

Don't cry, it's all good from now on. Getting your lightbulb moment is the hardest bit... you will be hooked on money saving now!

Jennie_2 · 28 January 2007 at 6:46PM

How fantastic! You had a lightbulb moment! Some people never have it andcarry on making the same old mistakes year in year out.

Welcome! We are all in this together and whilst our monetary problems are all different this is the place where you can be yourself.

Dry your tears hun and focus on things improving!

:grouphug:

Mrs_A. · 28 January 2007 at 6:49PM

hello and welcome,
we are all in the same boat here so provide support and a friendly ear and some brilliant advice too
enjoy your stay in dfw land
regards
mrs a

GettingThingsDone · 28 January 2007 at 7:16PM

welcome - and good luck with your plans

TOTALLYFEDUP_3 · 28 January 2007 at 7:17PM

I know EXACTLy how you're feeling - I had my lightbulb moment a couple of weeks ago and I'm in a VERY scary place right now - not sure whether to take the IVA or DMP route.

My heart tells me a DMP is the way to go and my head (and my DH) think IVA is the way to go.

An IVA scares me becos it seems so rigid and as we've not missed any payments till this month I'm not sure they'll vote in favour. On the flip side the fact that CCJ's could be issued whilst on a DMP is a big worry, as are bailiffs plus I'll be paying it off for 10 years.

I just don't know whether I'm coming or going or which way I should go!

Sorry I'm waffling, just want to say I know where you're at, I don't feel much better about things anymore now than I did a couple of weeks ago - just feeling incredibly stupid for allowing ourselves to get into this mess.

GirlRacer_2 · 28 January 2007 at 7:23PM

Nobody is stupid here. We've all made mistakes and now we're putting things right. Give yourself a week or 2 and you'll start feeling much better.

Welcome to MSE

thank you !!

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