The Future Starts Today

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barnaclebill wrote: »

After 2 redundancies in a year I found a job paying in US dollars the rate at the time was 1.58 to the pound, as soon as I started work the dollar started to fall ending at about 1.90, as I had been paid well I had good credit and was able to get loans and credit cards with good rates and used them thinking I'll get a raise or the exchange rate will improve, in the end when I signed up with cccs (stepchange now) we were about £56,000 in debt not counting mortgage, used their DMP advice, took a lot of flack from lenders but got a raise then the company changed to paying in Euros and at age 60 got some small private pensions increasing my payments every time, got clear at age 61. Have had about 6 good years and now have some savings but just retired so will need to be careful, never want to go there again,
Good luck to all those trying to get clear it does happen in the end.

That's some road you've travelled Bill. Well done and good luck.

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patman99 wrote: »

Every step forward is one step closer to the journey's end as they say.
You have done well by reducing your debt load by over 50%.

Cheers Pat. Steve Jobs famously said "the journey is the reward" which I often agree with, but its the destination in this case.:)