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first post i admit in in deep!
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            debtfreemom wrote: »
 it all started with credit cards!!! then a considation loan then more spending but now i know it has to stop .... cant keep dreamin its not happenin.
 Ohhhh the consolidation loans & the credit cards....oh do I know where you are coming from! (YES!)
 Now you've realised it has to stop now though, you've taken that almighty important first step. This site has acres of information and good advice, so fill yer boots Bank Balance: In the black for the moment. Bank Balance: In the black for the moment.
 Sainsburys Loan: Cleared July 2010
 Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
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            Have you thought of posting your SOA so that the wonderful people on this board can help you further?0
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