The long haul supporters thread...

In_Search_Of_Me

wow thats fab geranium! Well done you! Hang in there parsnip head and all...we'll get there!

WorriedofSurrey

Hello everyone

Been really busy, so just had a quick catch up on posts, well done everyone for doing so well - geranium :T, that's great.

Doing well at the moment, have reduced our CCCS payments by almost £200 per month, creditors still happy and feel like I haven't got to count every single penny every single day, so feeling much more positive about debtbusting and am sure we will make it in the end!

Night everyone
WoS

Happytogetdebtfree

That is wonderful news keep at it x x x

In_Search_Of_Me

well done fed up and skint! Great news!! Keep on coming back worried of surrey...well all get there in the end!

parsniphead

Thanks for the number In search of me.:j

I will go and add it to my sig now.

Parsnip

fedupandskint

well done worried!

I wish I could throw some extra money at my CCs, will have to sit down and recheck the outgoings and see

milliemonster

Hi Parsnip and welcome!, well done geranium!!!

Feeling a bit down at the moment, just feeling the weight of the debt I guess and it's really getting me down, I keep having these 'what if' scenarios, what if I lose my job? etc etc, not that there is any indication of that but I keep getting myself in a panic thinking something bad is going to happen and we are not going to be bringing enough in to pay everything, I don't now why.

I also keep thinking, my daughter is 10 now, if we don't get this debt paid off in a few years she's going to maybe be going to uni and we won't have any money to fund her, family won't understand as from the outside they see us as having good well paying jobs (which yes they are) but they have no idea of the debt we have. I know I shouldn't worry about the future but I can't help it at the moment and it's really getting me down.

Also panicking about the mortgage, at the moment we are interest only for the next 18months, but hubby is 44 soon so we will have to go back to repayment soon or we will never get it paid off meaning massive increase in monthly repayments, meaning less towards the debt, why can't I stop thinking like this and just concentrate on the here and now????

Does anyone else ever get like this?

geranium72

Thanks everyone - I feel like it is slow but your words mean a lot

Millie - I feel like that all the time and constantly beat myself up about the mess we got in and how avoidable it was - also the amount of interest I am paying when we could be spending or saving is a killer

But - the thing that always makes me feel better is that there is an end in sight.

You are doing great. Have you done the snowball as sometimes that gives a better idea - and you could easily have cleared the debt in 5 years - plenty of time to save for Uni and to get the mortgage cleared

fedupandskint

milliemonster wrote: »

Hi Parsnip and welcome!, well done geranium!!!

Feeling a bit down at the moment, just feeling the weight of the debt I guess and it's really getting me down, I keep having these 'what if' scenarios, what if I lose my job? etc etc, not that there is any indication of that but I keep getting myself in a panic thinking something bad is going to happen and we are not going to be bringing enough in to pay everything, I don't now why.

Does anyone else ever get like this?

Hi millie

I have thoughts like this quite often - especially about losing my job and what would happen to the mortgage. I can see why Martin warns about having a contingency esp for the mortgage for 6mths. There's no way I can do this at the moment. I wish I could for some peace of mind

I think about my debt most of the time. Even the small steps made don't always cheer me up that much. How I wish I had addressed this so much sooner, anyway live and learn as they say.

Thank goodness for this thread to able to share some of how I feel when it is so hard to tell anyone else. A problem shared and all that. Plus it is good to know I am not alone in this situation and it wasn't just me that messed up with money. Together we can change and make it better for ourselve. All the tips on here really help me to see if I can use them.

I think when I start paying back the CC I will feel a bit more achievement.

I worked out last night with everything I will have paid back this year I will be £220 + better off a month, yet I cannot tell this in my account as yet - better have another look and sort things out.

sashanut - how did you manage to pay so much towards the cc's? I'd love to do this and see the balance reduce

We'll all get there in the end however long it takes us! I can't wait to shred the CCs and close them down - wish it was sooner.

Next target is Black Horse Loan paid of in Nov then 4 CC's left

sashanut

Hi all - lovely to see all the posts recently & everyone being there for each other, I know it really helps me to know there are others out there who care because I think being in debt is very lonely. Unless you have very understanding friends & family, you don't tell them how things are so therefore you end up carrying the debt burden all on your own, I know I did for a long time before I even told my DH what a mess we were in.:mad:

Fedupandskint - I know you can't help looking at the 'worst case' scenario - if you lost your job & etc but realistically that is something you can't do anything about. Whereas you have faced your debt & are taking steps to make a difference. Do you belong to the payment a day (PAD)thread? I've found it really motivating & get twitchy if i don't make at least some kind of payment every day, can be pounds, can be pence but it really mounts up & makes a difference. Here we have a great deal of uncertainty in our life - we are self-employed so our 'wages' fluctuate from month to month & despite expecting to be paid 6 weeks after invoice, quite often we wait much much longer than that & of course the bills need to be paid on time:eek::eek: I think we haven't got further because we went through a rotten patch where we were only earning £500 p/m for a few months - the mortgage payment alone is more than double that amount:eek::eek:not to mention all the ccs & utilities, food & etc. But we came through it eventually, I sold quite a lot of stuff & now things are better. And we are finding that, as ever, banks & other fianancial institutions like to help you when you actually don't need helping, but they push you further down when you're desperate.:mad::mad:

Sorry for the long post, but you will clear a debt in Nov & then keep rolling up those payments, it will decrease each month & you will be so much nearer to the DFD. I know I can't wait, but I am no saint & have just done some backsliding - typical, once I have some money coming in I feel I *deserve* to spend it....I need a kick also:rotfl: