Wakeup call !!

davidj247

Hi everyone - back again
I cut up the cards last weekend and printed off the letters generated through the NEDCAB website.
I then cancelled the direct debits to the CC companies. I then posted the letters and was actually trembling as I dropped them into the postbox! Let me add at this stage that I am a 52 year old truck driver who has been around the block a time or two.
After reading your replies I realise that I do need to change my bank account in order to bring some discipline to myself and my finances.
I looked online and opened a basic bank account in about 20 minutes flat! I shall now have my wages paid into that one and leave the world of Credit cards and overdrafts behind!
I know it will be a long slog but I am focused on getting myself straight ASAP
Thanks to all of you for your support and kind words
Dave

Seanymph

Well done you!

I'm sure you'll feel much better once you get a couple of replies.

Have you worked out a budget?

Historybuff

Well done. I've just gone through the same a couple of months ago and am managing my own DMP. It's a slog to get set up, but well worth it. Best thing I did coming on here.

giblet1979

Well done Dave - it sounds like you are doing great x

davidj247

Seanymph wrote: »

Have you worked out a budget?

I have used the NEDCAB budget planner to work out my budget. I am sitting down and allowing myself plenty of time to work things out. I'm glad I gave up smoking years ago - I'd be on 40 a day now!
It is easy to forget things like road tax and car insurance on a monthly basis as I have been paying these annually (on a credit card)
I want to get back to how I was about 10 yrs ago - If I can't pay for it I don't have it. It was the interest payments that were killing me - I never made any headway into the debt at all. I have learned a lesson from this and will never go back to my old ways