Positivity is Key 18 September 2015 at 12:32PM in Debt free diaries 5 replies 595 views

Katie22313

So I haven't done a DFD before so here goes.


I closed my eyes everytime I collected the post from my letterbox and chucked it all on the cupboard and forgot about it. I ignored my phone everytime it rang. I took out a lot of payday loans when I left my ex to cover the finances he paid for. It was spiriling out of control.


It was a few weeks ago when my new partner kept talking about getting a mortgage togeather in a couple of years and settling down that I freaked. I cant get any credit what so ever time for me to sort my life out.


I sat down opened all the letters I had been ignoring and started a spreadsheet of everything I owe. I didn't realise how bad it was. I have since contacted all of my creditors and got final balances and started my own DMP.


So I am vowing to keep a diary of my progress.
Stay tuned. :-)

[Deleted User]

Good for you, its important to know exactly what you are tackling so that you can plan how to pay it off.

I am still waiting on my final figure but its going to be between 7 or 8 thousand that we owe.

Keep up with it, will all be worth it when you are debt free.

Dxxx

P.S I am also trying to get myself sorted so I can buy a house, will probably be in around 4 or 5 years time.

FalseEconomist

Good luck with it all! 4000 will be cleared in no time

Katie22313

Thanks all for your support. How is it going?


Im struggling a little but getting there.


Katie

PeppaCoin

Excellent!


Have you drawn up an SOA?

zelt0504

Hello! I've just started my own diary after reading some of the fantastic ones on here. Good luck with your journey, I also desperately want to buy my own house but credit reports seem to be putting a block on that for the moment. I suppose it's all my own doing so I'm the only one to change it.

Anywho.... I'll be reading along, let us know how you get on!

Z x