Making Changes for the better

mygirls2015

Hi Everyone

Hope we are all well for a Monday morning
I would just like to share my experience and my plan of action with you all, it might help some people who are in the same situation!

I have debt , a lot of debt and I have spent many a sleepless night worrying about it, I have let it go on for too long! it has taken over my life made me miserable made me sad and has took its toll on me for too long! well not anymore

I have this weekend downloaded my credit report from noddle, set up a spreadsheet with all my debts on, with account numbers , and amounts. I have then proceeded to add a column Action Taken, meaning what action I have taken to resolve the debt ie emailing calling, etc.

I Have offered the bare minimum basically a token payment each month, and I can safely say I feel a lot better for this, I am getting responses accepting this as I have explained I am in a sticky financial position and will review my finances in 12 months time. this feeling is good!

You never know what may happen in this time fingers crossed a lottery win!

I will give you a bit of info about me, I raise two children alone work all the hours I can and its a struggle but we just get by , and make the best of it. Unfortunatley I found myself in a situation where I was living off credit, borrowing here borrowing there, well now we have cut back on things not by a lot but saving a few pounds here and there. I have also set up an online post office account to save a few pound a week as u don't know when you need it

Well have a nice day all just thought id share my story

Becks :-)