Done the maths - S**t my pants

Pinkydoodah

Didn't want to read and run, but wanted to add my bit. Well done on grabbing your debt by the horns and making a start. If it's any consolation to you, in July 2011 my husband and I had £88,441.78 worth of unsecured debt. Yes you read that correctly. Redundancy, illnesses and downturn in building trade were to blame in our case, but we kept on spending like no tomorrow. I contacted all my creditors, and every single one without exception suspended interest rates and we came to a mutual payment plan. We're now sitting at £12,200. Still a way to go, but a helluva lot better than nearly £90K. Snowballing definitely helped us, plus a realisation that we couldn't go on with sleepless nights and dread of the postie or phone ringing. Keep up your momentum and it can be done with determination.