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I have been a crazy fool, first post, SOA
Comments
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Just one small piece of advice - don't under estimate what you'll need to live on; I did, wanting to pay our debts off more quickly but have had to phone CCCS to adjust our budget, we were living on fresh air the last week of the month
DMP starts June 2012, £38,180.
Balance June 2015 £26,046 (paid off 32%)
DMP mutual support thread no 4340 -
Have a look at Noddle for a free credit report, it's not all-encompassing but it is free!
HBS x"I believe in ordinary acts of bravery, in the courage that drives one person to stand up for another."
"It's easy to know what you're against, quite another to know what you're for."
#Bremainer0 -
Just one small piece of advice - don't under estimate what you'll need to live on; I did, wanting to pay our debts off more quickly but have had to phone CCCS to adjust our budget, we were living on fresh air the last week of the month
Thank you, I am sure you have better things to do but what did you think of my budget where there any obvious shortcomings?Just started an awesome DMP! for: Unpaid phone bill £129.00 Unpaid cable bill £38.00 GYM Cancellation Bill £50.00 PAYDAY UK £129.00 Wonga £1500 Bank Credit Card £2189.00 Overdraft £500.00 B'card £7500.00
£10 per day no more being a crazy fool challenge: £0.000 -
Looking at your budget food etc seems much higher than it needs to be for one, but I would suggest that entertainment and activities is rather low. Perhaps your life might be more fun if you kept the same total spending but spread it around differently?But a banker, engaged at enormous expense,Had the whole of their cash in his care.
Lewis Carroll0 -
theoretica wrote: »Looking at your budget food etc seems much higher than it needs to be for one, but I would suggest that entertainment and activities is rather low. Perhaps your life might be more fun if you kept the same total spending but spread it around differently?
Makes sense, i will work on this...thank you!Just started an awesome DMP! for: Unpaid phone bill £129.00 Unpaid cable bill £38.00 GYM Cancellation Bill £50.00 PAYDAY UK £129.00 Wonga £1500 Bank Credit Card £2189.00 Overdraft £500.00 B'card £7500.00
£10 per day no more being a crazy fool challenge: £0.000 -
So that's it, CCCS called and were really nice, said they need a few acc numbers more and then they are ready to setup the plan! AWESOME! I have all my notification letters to all the people wanting their money and I really feel like I have made a big difference in my life...awesome!
And I only opened up one new credit card account last wee...ONLY JOKING! Just started an awesome DMP! for: Unpaid phone bill £129.00 Unpaid cable bill £38.00 GYM Cancellation Bill £50.00 PAYDAY UK £129.00 Wonga £1500 Bank Credit Card £2189.00 Overdraft £500.00 B'card £7500.00
£10 per day no more being a crazy fool challenge: £0.000 -
Well done on getting this far, what a relief it must be for you now. Been here for a long time and don't often post0
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Well done on getting this far, what a relief it must be for you now.
Thank you, it really is a huge relief. Since I have been 18 I have had this weight on my shoulders...I tried everything to fix it except actually deal with it. Trying to make more money to cover my spending, trying to gamble my way out of spending (not massive amounts but enough to add to my debt). This is the only solution that actually makes sense and makes me feel alive again.Just started an awesome DMP! for: Unpaid phone bill £129.00 Unpaid cable bill £38.00 GYM Cancellation Bill £50.00 PAYDAY UK £129.00 Wonga £1500 Bank Credit Card £2189.00 Overdraft £500.00 B'card £7500.00
£10 per day no more being a crazy fool challenge: £0.000
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