Help Required... Rock Bottom Approaching

orcocan

the most difficult step is to realise you have a problem and need to face it. You've done that, the rest will be easy :-)

D3P0

Morning all,

Just to let you know I've spoken to the CCCS and got this moving. Spoken to the bank etc and starting to think I can see a flicker of light at the end of tunnel.

Thank you all individually for your help. It genuinely is appreciated and I honestly think this change in lifestyle will be a positive thing.

thanks again

Loubell83

D3P0 wrote: »

Morning all,

Just to let you know I've spoken to the CCCS and got this moving. Spoken to the bank etc and starting to think I can see a flicker of light at the end of tunnel.

Thank you all individually for your help. It genuinely is appreciated and I honestly think this change in lifestyle will be a positive thing.

thanks again

Glad to hear it! Things can only go up from here

wannabee_in_credit

Well done - you'll feel lots better once you know you're doing something about it.

D3P0

All - just an update on this. The CCCS people were 1st class. We've taken some drastic changes to our lifestyle now. Ditched Sky, no need for 2 mobile phones etc. It's going to be tough but I'm committed to gettting out of this and getting my family life back on track. I have a good job and a loving family. There's a lot to be said for that.

We're just back from our last family holiday for a good while (was all paid up well in advance of my dawning moment) and sadly it was a bit wasted. I felt a bit like I had bi - polar. Half enjoying being away and half dredding the situation I'm in which switched my moods quite considerably. My wife knows I'm feeling the strain of all of this but she doesn't live it day in day out like i do.

Anyway - no more rambling. Onwards and upwards.

Thanks so much to all, I owe you a lot, not only for the information but more so for the mental support. It had crossed my mind on more than one occasion to declare bankrupt, but that's not the right thing to do.

Heffi1

Hi D3PO well done, that is a huge relief to get the first phone call out of the way and somehow even though it does not reduce the debt it makes it more manageable to cope with, you will have tough days and good days, just know that you are tacking this with the best people to help you on the way, pop in here from time to time to chill, vent or just give an update. I read back my first diary and it was quite painful to read after a long time, but I realised also how far I had travelled on my journey, believe it or not, I don't actually miss anything, my budget is good and it means the bills are paid on time.

Who cares that I have not had a holiday since 2006, I cannot afford one right now and some part of me says it is a waste of money too ha ha one day when my debt is gone I will save up and get a holiday, but I am in no rush right now.

I know my feelings have changed competely towards credit and now see it as a bad thing for me to have, as I cannot manage the stress of it all.

My new mantra is

If I cannot afford to buy it outright then I cannot afford to have it!

antonic

D3P0 wrote: »

All - just an update on this. The CCCS people were 1st class. We've taken some drastic changes to our lifestyle now. Ditched Sky, no need for 2 mobile phones etc. It's going to be tough but I'm committed to gettting out of this and getting my family life back on track. I have a good job and a loving family. There's a lot to be said for that.

We're just back from our last family holiday for a good while (was all paid up well in advance of my dawning moment) and sadly it was a bit wasted. I felt a bit like I had bi - polar. Half enjoying being away and half dredding the situation I'm in which switched my moods quite considerably. My wife knows I'm feeling the strain of all of this but she doesn't live it day in day out like i do.

Anyway - no more rambling. Onwards and upwards.

Thanks so much to all, I owe you a lot, not only for the information but more so for the mental support. It had crossed my mind on more than one occasion to declare bankrupt, but that's not the right thing to do.

Can I be another to congratulate on facing up to the problem and positively wanting to fix it ??.

I have been there myself, as my sig says and I can say its NOT been easy all the time, but at the end we will both have pride in ourselves of repaying the WHOLE debt.

If I could do it, so can you !

D3P0

Antonic & Heffi1

You have both done so well with your debt free aims... well done you!

I'm lucky in some respects that I have quite a good job. I'm literally smashing sizable chunks off it each month so can see a difference from payment 1. Don't get me wrong it will be a struggle but hopefully this time in a year i'll be a good way through and I'll be counting down the months.

Thanks again for saying to pop in to vent off every now and then. It's changed my whole outlook on life. Everyone (debtors) have been excellent. Understanding the situation, personally I think they are pleased to be getting a pay out rather than nothing at all.

Sad to say my bank of 30 years + have not. Without naming names they won't be with me "for the journey".

Was just reading some of the more recent posts on here. There's people in a hell of a lot worse position than I.

Sorry to keep thanking but you've been a real light in a dark time for me.

Time_to_face_the_music

D3P0 wrote: »

All - just an update on this. The CCCS people were 1st class. We've taken some drastic changes to our lifestyle now. Ditched Sky, no need for 2 mobile phones etc. It's going to be tough but I'm committed to gettting out of this and getting my family life back on track. I have a good job and a loving family. There's a lot to be said for that.

We're just back from our last family holiday for a good while (was all paid up well in advance of my dawning moment) and sadly it was a bit wasted. I felt a bit like I had bi - polar. Half enjoying being away and half dredding the situation I'm in which switched my moods quite considerably. My wife knows I'm feeling the strain of all of this but she doesn't live it day in day out like i do.

Anyway - no more rambling. Onwards and upwards.

Thanks so much to all, I owe you a lot, not only for the information but more so for the mental support. It had crossed my mind on more than one occasion to declare bankrupt, but that's not the right thing to do.

Welcome back D3P0 :hello:

Well done on all the positive steps taken so far and your obvious commitment to becoming debtfree :T

Please stick around and if you feel like some support, come and join us on the DMP & Mutual Support Thread

https://forums.moneysavingexpert.com/discussion/3723081

It's full of great advice, help, experience and support ... oh and a fine place to have a whinge or a moan on those bad days we all have sometimes

antonic

D3P0 wrote: »

Antonic & Heffi1

You have both done so well with your debt free aims... well done you!

I'm lucky in some respects that I have quite a good job. I'm literally smashing sizable chunks off it each month so can see a difference from payment 1. Don't get me wrong it will be a struggle but hopefully this time in a year i'll be a good way through and I'll be counting down the months.

Thanks again for saying to pop in to vent off every now and then. It's changed my whole outlook on life. Everyone (debtors) have been excellent. Understanding the situation, personally I think they are pleased to be getting a pay out rather than nothing at all.

Sad to say my bank of 30 years + have not. Without naming names they won't be with me "for the journey".

Was just reading some of the more recent posts on here. There's people in a hell of a lot worse position than I.

Sorry to keep thanking but you've been a real light in a dark time for me.

Feel free to vent away ! - although I have been posting here less than a year, it makes me feel good to try and help people like you to realise that this isnt the end of the world.

Sure you may have to give up luxuries while you are on your DMP, but at the end of it you can have them again and know that you dont have to worry about money again !.

Good luck ! & I will still post after becoming DF. (And to you Heffi ! as well)