Thank you

Moneycoach

Mimi_Arc_en_ciel wrote: »

7 Years ago I joined MSE looking for advise on debts. I had a 1yo daughter, a useless fella and we jointly owed £34k worth of debt (as I was stupid enough to allow him to control our finances and signed paperwork without checking!!! :EEK:....) We had bailiffs at the door, CCJ's, court summons and were up a creek without a paddle. So I came here, and we were given some direction (and a paddle!!)

Me and "useless" started making monetary payments and fired off letters, and eventually we dragged ourselves up. Family of 3 became a family 4, "Useless" went out the door so we went back down to 3, and slowly I became "debt free"

Fast forward to today: I own my house, I have savings, my children have savings and I am playing the banks at the interest game. My CCJ's are long gone but I still find myself religiously checking my bank daily. But more importantly, I budget and live within my means

Someone on here gave me an excel sheet 7 years ago - It's still going strong!! It's been "upgraded" mind I've kept my original files and its a brilliant way to see exactly how far I've come.

Each year, I review my finances on here with an SOA. Today I was going to post that SOA but stopped myself. Reading over it I realised I didn't need anyone to tell me where to save money (I know I overspend on kids activities) and that I knew I couldn't reduce my household bills any further because I have the best deals (at the moment)

But I also stopped myself because last time I did an SOA it upset someone, who laid into me because I wasn't "in debt" and had a surplus. That person was really struggling, and I don't blame them for being upset, They couldn't see a light at the end of the tunnel (and if they did, they probably thought it was a train....)

I don't post on here as much as I used to all those years ago, I dip in now and again to see whether I can help anyone else, the way I was.

For those of you still going through your "debt years" - Keep going!! Get upset, get angry, lose sleep, but KEEP GOING.

I cant remember the peoples names who helped me, that's really bad isn't it? But if your reading this and recognise me, from the bottom of my heart:

THANK YOU

I'm relatively new to this forum and so I cannot take and credit for the advice you received.


However, I think you have a great story and hope you continue to succeed with your finances and share your experience with others.


No one needs "useless" in their lives and you have proved that, so THANK YOU...