Well here I go on the start of my journey

TimeToDoIt

Hi all

I was hoping that by entering a diary here on this section of the forum, it might help keep me on track.

So a bit of my background, I started to get into debt pretty much 10 years exactly ago. It is so long ago that I can't ever remember not having credit card minimum payments and loan repayments taking away the bulk of my salary.

Since about 2009 I have been in £30k+ of debt. And despite making payments every month to all of the credit cards and loans, the balances haven't reduced.

I've had a few "this is the last time I do this" times when I have remortgaged the house to pay some debts, or taking out a bigger loan to cover some smaller ones, or skipped a mortgage payment to free up a bit of money that month.

Things came to a head less than a week ago and on Monday this week I contacted StepChange to discuss a DMP.

So here I am..... about to go into a DMP....

I'll let you know how I get on!

TimeToDoIt

Today I received a text message from StepChange saying that my DMP has been set up

Eek!

Mara_uk7

Welcome to the wonderful world of debt-busting, Kick off your shoes at the door and grab a pew, tea, coffee & great advice will follow.

PS You look cute in those shades ....

TimeToDoIt

Thanks I'll have one sugar please

The shades are a necessity to hide the sleep deprivation induced bags under my eyes ;-)

GunWharf

Good luck and welcome!

LINKYPIE2009

Welcome.....you've made the biggest step by beginning....

Will subscribe and join you on your journey!

Linkypie x

TimeToDoIt

Thank you both
Hopefully this will be a story with a happy ending
And not like one of the "Saw" films

TimeToDoIt

I still haven't got my basic bank account set up yet and now I am away for a week (only in the uk) so I just have some cash in my pocket and when that's gone, it's gone.

It's a very strange feeling!

aqua111

Good Luck. Hope things get much better for you!:)

LAM2011

Good luck Its always hard in the beginning - if you are keeping track in a book or spreadsheet (I love spreadsheets ) you will start to get extra inspiration as you see it starting to go down. Keep hanging around here - I found it helped me loads because firstly you get support from people going through the same thing (even though you might feel alone) and secondly there are loads of tips and goals to keep motivating you.

TimeToDoIt

Thank you both
I plan on being here for at least the next 27 months!!