A return to MSE with a DMP so I can be debt free

pencakes26

I was just catching up on life admin this morning and I was just thinking, despite my credit report looking terrible, my salary is 25% less than it should be and lots of uncertainty ahead, I feel like financially I am in the best position I have been for years. I know none of that makes sense, but I guess it's more to do with my mental state, and actually dealing with the debt instead of running around in circles with it. 
I know I have a long way to go, and the amount I owe is still way above the UK average (excluding mortgages) but by finally tackling my debt whilst building my savings (and paying off my family) I do feel like I am finally building a positive relationship with money. 
Now to carry on with today's chores! 

natlie

Hi @pencakes26 I've really enjoyed reading your diary and your positivity, I have similar debt to you now but my DFD is 2024 looking forward to following your journey 

pencakes26

natlie said:

Hi @pencakes26 I've really enjoyed reading your diary and your positivity, I have similar debt to you now but my DFD is 2024 looking forward to following your journey 

Thank you! I promise you I'm not always positive, but I've been on a real journey with all of this and it really helps me move forward by focusing on the good  

pencakes26

I've had a tough week last week. Nothing in particular happened, but just felt in a real slump of demotivation and unhappiness. I am sure it's just a consequence of the situation we're all in. I've always had moments of a sort of depression to varying degrees throughout my adult life and teenage years and whilst it has been a very long time since I was very poorly with my mental health, I do think being alone so much these past few months have taken its toll. Strangely, when I am like this instead of wanting to see people, I revert to feeling like I want to be alone. Doesn't really make sense I know! 
Anyway, I made a point of being kind to myself yesterday, organised my flat a bit, had a bath and watched the F1 which really helped. Just need to take each day at a time I think. 

[Deleted User]

popping on to say I've just read through your diary and you're doing so well, one day at a time is all we can do at the moment

pencakes26

SSDD23 said:

popping on to say I've just read through your diary and you're doing so well, one day at a time is all we can do at the moment

Thank you so much for your message, it's much appreciated  

pencakes26

A good news day for me as I my DMP payment cleared meaning I've hit 40% paid off and gone sub £30k total debt for the first time in years. I know it's still a huge chunk of money, but given where I was just 12 months ago, it feels good. 

Scloud

Congratulations for hitting 40% thats huge! You have come so far. That must feel so motivating right now. 

pencakes26

Scloud said:

Congratulations for hitting 40% thats huge! You have come so far. That must feel so motivating right now. 

Thank you! It's a good feeling Just to be clear I haven't paid off 40% in a year but it's been a year since my DMP started and it's made such a huge difference!

pencakes26

Ugh! Had a real plonker moment and somehow deleted my spreadsheet that contains my monthly budget and my debt tracker. I'd got it into the perfect (for me) place where I could track and update everything I needed. I even deleted my deleted items so no hope of recovery. 🤦🏻‍♀️