I need to change or we are going to sink

Sazdaz

Right, things have to change or we are going to sink drastically. Things during 2011 were tough at times with me not working full time etc but things have changed now and I have decided that 2012 will be our year and we are going to get things sorted.
Between now and Jan 1st 2012 I am going to make a list of all the money we owe, bills etc. I am then going to put a plan together of how we can get them all paid off quickly. I am going to make a time slot every week to check where we are with the bills, complete letters etc. I am going to call this my moneysavingexpert time.
I am going to be an avid member of the forum, and going to set myself a few challenges from the list. Then by the end of the year we will start 2013 with a relaxed peace of mind.

Wish me Luck!! Here goes......

mildredalien

Welcome to the MSE forums, and congratulations on facing your debt head on, it's not always easy

There are loads of great people with good (if direct) advice on here. I'd recommend filling out a statement of affairs http://www.makesenseofcards.com/soacalc.html when you get a chance and posting it on the forums, you'll get loads of good ideas about how to reduce your outgoings and prioritise your debt repayments. Good luck!

wannabee_in_credit

Good luck.
Being an active member on here had completely changed my outlook on money, in so many good ways.
Enjoy.

camuk81

Sazdaz,

I wish you all the luck. After being unemployed for 6 months I have a steady job and I am now tackling my debts I'm on the right track. It feels invigorating and I have even made plans for next year

purpleruby

Good luck, 2012 is going to be my year too :T

Sazdaz

Thanks for all your words of support. Fingers crossed it will start well, Just got out TV package reduced so thats £12 a month saved !!!:j

InDeepDebt

Post up a statement of affairs - there may be room for improvement that you can't see that others can.

Good luck, and welcome.

cappo

Sazdaz wrote: »

Thanks for all your words of support. Fingers crossed it will start well, Just got out TV package reduced so thats £12 a month saved !!!:j

Hi sazdaz i normally post on the ppi reclaim forum but i thought i'd have a snout around, i wish you luck with your efforts to get sorted out i take my hat off to you, i was 47k in debt and the worry of it gave me a stroke but i'm clear now mainly thanks to my critical illness insurance, your doing the best thing by coming on here to get advice and help, great bunch of people who will always help and advise you good luck and merry christmas to you all on here.

sharronej

Sazdaz wrote: »

Right, things have to change or we are going to sink drastically. Things during 2011 were tough at times with me not working full time etc but things have changed now and I have decided that 2012 will be our year and we are going to get things sorted.
Between now and Jan 1st 2012 I am going to make a list of all the money we owe, bills etc. I am then going to put a plan together of how we can get them all paid off quickly. I am going to make a time slot every week to check where we are with the bills, complete letters etc. I am going to call this my moneysavingexpert time.
I am going to be an avid member of the forum, and going to set myself a few challenges from the list. Then by the end of the year we will start 2013 with a relaxed peace of mind.

Wish me Luck!! Here goes......

Come and join us on the pay all your debts by Christmas 2012 Congratulations on you LBM!

Sazdaz

sharronej once I have worked out what I owe between now and Jan 1st I will definately join the Challenge. Going to try and work out my SOA this week or between Xmas and new year.

JustinCredibleGillespie

Very well done on your LBM :T

This has to be the best forum site in the UK. Everyone is so helpful & encouraging.

Bring on 2012! I cant wait!;)

JCG

xx