Getting professional help to beat debt. Diary

enthusiasticsaver

Just read your diary from start to finish GMOOD and wanted to say what a fantastic achievement to have paid off more than £28k in less than three years. :T What an inspiration you are.


I worked in a bank many moons ago and discovered that credit cards for me are only any good if I pay them off each month - it used to be a disciplinary if you went overdrawn . Years later I went into mortgage arrears counselling and saw the misery that debt can cause as I am sure you are only too aware. I hope you enjoy your debt free life now and perhaps put your enthusiasm into acquiring savings now, with a few more treats for you along the way. Well done!!

Getmeoutofdebt

enthusiasticsaver wrote: »

Just read your diary from start to finish GMOOD and wanted to say what a fantastic achievement to have paid off more than £28k in less than three years. :T What an inspiration you are.


Thanks!!! I got 2k written off though and earned 4k through selling ebay stuff for a friend. I was literally paying the majority of my wage to my debt each month too. I'm so glad I did it though. Debt had become a way of life for me and I was well and truly trapped in it. I am so glad I got help from national debtline and finally bit the bullet and got on with sorting it out once and for all. I had bad times but for the most of it I really enjoyed the challenge of paying it all off. I would recommend a debt plan to anyone in a similar position. I can't wait to start saving up!!
Gmood x

kindofagilr

Fabulous news Congratukations, that's totally awesome xxx

Getmeoutofdebt

I got a letter through yesterday from my final credit card to confirm that it is all paid off and my repayment arrangement had come to an end and the account is closed!

I have proof in writing yet it is still not sinking in! The champagne is unopened in the fridge still. I can't bring myself to open it. It is a very odd feeling... not like what I was expecting at all..... I just can't get my head round the fact that it is all paid off.

I keep thinking that the debt plan is going to carry on somehow. I haven't even planned ahead regarding savings etc... I have no aim yet as I still feel like payday will come and I will have no money left over. I have been used to being in debt for so long it is hard to imagine having money. I guess I will just have to wait until payday and see if it sinks in then! :rotfl:

Fortune_Smiles

Lovely news. Perhaps it hasn't sunk in because you haven't got your new budget in place yet. Pay day may make it all real. Champagne does go off you know so don't leave it too long :rotfl:plus you do deserve some lilies in your life now.


Fortune x

Getmeoutofdebt

Fortune_Smiles wrote: »

Lovely news. Perhaps it hasn't sunk in because you haven't got your new budget in place yet. Pay day may make it all real. Champagne does go off you know so don't leave it too long :rotfl:plus you do deserve some lilies in your life now.


Fortune x

Ha ha!!! Thanks!!!! I better get it drunk pretty fast then eh? Yes I do need a budget. I'm going to sit down now and do one! I need a plan! Thanks again for your support... you are a star! :T

LAM2011

Running in ....... sorry I'm late ...... but

C O N G R A T U L A T I O N S :j:j:j:j:j:j:j

Wow - well done - cant believe I missed the actual day. I am so pleased for you. x

Getmeoutofdebt

LAM2011 wrote: »

Running in ....... sorry I'm late ...... but

C O N G R A T U L A T I O N S :j:j:j:j:j:j:j

Wow - well done - cant believe I missed the actual day. I am so pleased for you. x

I almost missed it myself!! It was a bit out of the blue due to hubby's surprise!! Thank you!!!!! Thanks for your support!!! xxx

Moneywhizz

I bet you will become just as focused and excited about saving as you were about paying off your debt. As well as having an emergency fund in place, having plans for your savings is the thing to motivate you.

I love budgeting and can't imagine living any other way now, even though I am now in a good place money wise. I still like to get the most out of my money and spend it on the things I really want to.

Good luck with your planning. Xx

Getmeoutofdebt

Moneywhizz wrote: »

I bet you will become just as focused and excited about saving as you were about paying off your debt. As well as having an emergency fund in place, having plans for your savings is the thing to motivate you.

Thanks Moneywhizz,

I have been having a look at my "where my money goes" payday spreadsheet tonight. I deleted the debts and replaced with a short term savings and a long term savings column. I have decided on having one account that I pile as much as I can in and leave alone and another that I put a bit in each month and leftovers from my monthly bills budget. The short term one will pay for stuff like clothes, meals out, treats etc and the long term one I will try not to touch. I just need to look into what type of savings account to get now. This is all new to me! :rotfl: