The long haul supporters thread...

welshangel

Hello
Am new here and wondering if I can join this as I think I am going to be here for quite some time!

Happytogetdebtfree

Hi welsh angel welcome aboard the debt train. Isom will be along to give you a number why not tell us abit about yourself and we look forward to hearing your story xx

chops22

Happy...if its any consolation I don't know anyone who is happy a few weeks after they return from Honeymoon..... even debt free friends have found that they return to "real life" with one almightly bump.

The excitement of planning a wedding, fantastic lovely time together on honeymoon....to gas bills and asda shop!!

niccatw

Hey

I'd like to join to...

I've been lurking for a wee while and and working up to positing an up-to-date SOA (did one when I first joined, felt a bit "got at", now realising that that's sometimes exactly what I need )

Anyway, been posting a fair bit over the last wee while - it's done wonders for calming me down and getting my head into gear... now to actually do those things on the "to do" list... (calling crditors for up-to-date amounts and APRs, closing a coupl of cards I don't - and don't want to - use) ...

Should probably get some sleep so I can get up bright and early to tackle them all

welshangel

Happytogetdebtfree wrote: »

Hi welsh angel welcome aboard the debt train. Isom will be along to give you a number why not tell us abit about yourself and we look forward to hearing your story xx

Hiya

Well, I'm 30 now and finally trying to sort myself out seriously. I've had a try before, but always got myself in more of a mess than before!

My problems started when I went to uni. I funded myself through it, resulting in student debt of 6k. This I finished paying last year :beer:
Then I went back to uni after finishing to study as a nurse. Again, being in college full time, I also worked every evening, and weekend. However, that still didn't fund me completely, so I ended up using credit cards. Not massively, but enough.

I qualified and moved 200 miles from home 6 1/2years ago. Of course, I needed a car to do the trip and to get back and forth to work. My uncle bought this for me, and I had to pay him back. A3years passed and I was still not in the position to pay him back, and it was weighing on me so I got a loan of 3k to pay him. (this one I finish paying in April)

I did start sharing this house, which was fine and I managed. However, the housemate moved out leaving me with the cost of everything. At that point I was not on the wage I am now, and i ended up spending a lot on the CCs to keep up with the costs.

It has gone on from there really,I have been poorly a lot as I have depressing, which when it strikes is crippling and I can't work. This has happened twice in the past 5 years and last year I was off for 5 months this time with headaches which wouldn't go away. Turns out it could be intercranial pressure.

Anyway, I was saving last year and had managed to save £800 which I was going to put toward a lump sum on my cards. However my baby sis moved up here and she had nothing so I ended up paying for her rent and for other things which got rid of my savings.

I have also spent a lot in the past helping my parents out financially as they have never had any money as such and only had the bare minimum.

So, that's me, thats how I am where I am. But I am now facing up to things and will see how it goes.

x

Happytogetdebtfree

Well done for posting, why not post a statement of affairs and we can hve a look and see wher cut backs could be made? It's beat to post a seperate thread for that so people will look at it with a keener eye. How nice you helped your family anychancr that your sis will be paying u back? If not I've been there too kind and then it doesn't come back lol. Anyway nice to meet u I look forward to watching u on your journey.
Hi chops, your right Honeymoon to paying bills lol
NIcCa hi and welcome to the boards look forward to hearing all about you x

welshangel

Hi Happy. I have posted a SOA in the past couple of days x

pure_dead_dopey

Hi Can I be in the Long Haulers too? Going to be hanging about a bit as our DMP will run for 9years 7months. Starting to get acceptances which is good, but its still a scary thing, I keep thinking why two perfectly sensible people could have been so absolutely STUPID????

Happytogetdebtfree

Did you get some good advice? Xx

pure_dead_dopey

Yes went to CCCS. We have good salaries and have been adding to CCs for years. Then the Credit crunch came along, and they all stopped our ability to move money around to 0% and then they jacked up the interest rates. Left up the creek without a paddle. Have used our considerable savings to get this far then realised that it was a no win situation. hence LBM. CCCS have been great and we will pay this off. Must be paid before we retire in 12 years time.