I'll be writing in this forever.

A diary seems like a good idea as I have nobody to talk to about debts. I just think quietly. This is almost at least like thinking out loud.

Felt like my world was going to implode today. Opened a letter (first I have opened in about six months). Had a second wind... Emailed a few people. I don't know why I am feeling "OK" right at this very moment, but I summoned something from somewhere.

Debts I know about:

I have paid £2 each today to PRA Group and Lowells.
I couldn't work out how to do an online payment for Robinson Way. I have emailed them.

Tomorrow I might feel in control.
I might feel how I did a few hours ago.

Scared and confused but all I can do is find out what's going on and start paying right?

£4 down. This is going to be a long diary.


  • Purplemumof2Purplemumof2 Forumite
    7.9K Posts
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Good luck on your journey xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £5000.00 - Lloyds: £5590.00
    Xmas Pot £535/£700 ~ EF £621/1000
    PAYDBX 2021 - #? £0 / £2,000
  • lindenslindens Forumite
    2.9K Posts
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    well done. you feel better as you have fought back some control at last. It's a good feeling isnt it?

    one step at a time. start by gathering up from all the hiding places, all the unopened and opened letters and statements and put them in a pile

    then when you feel strong open a couple, start grouping them together as you open them, into the same debtor piles.

    at some point the pile will have gone!. Then you can attack each pile seperately and fine the latest statement and there you have your balances etc. You could also get this from looking at all 3 of the credit references agencies

    Then you need to take a look at all of your outgoings - gather together council tax, salary info, energy bills and put together an SOA
    You're not your * could have not of * Debt not dept *
  • ZaSa1418ZaSa1418 Forumite
    511 Posts
    500 Posts Second Anniversary Name Dropper
    Good luck with your journey.
    You have started to deal with it all and that is a great step :)
    LBM Debt Total : £48,326.50
    End of 2020 Debt : £32,691.53
    Pay All Your Debt Off By Xmas 2021 - #150  £12,092.60 / £20,000.00
    Saving For Christmas 2021 - £1 a day challenge - #15 £912/£1095.00
  • Good luck with your journey, The first few steps are the hardest.

    You can do this :)
    Pay all your debt off by Xmas 2021 #5 £497.49 / £5649.49
  • Good luck. Def keep posting here, it helps with sanity! Also there is a lot of knowledge and advice to be had!
    Jan 2020: Loan £3,576.17, Credit Cards £42,401.86, Store Card £1,833.61, Overdrafts £2,300.00. Total Debt: £50,111.64 / 1% = £501.12

    Jun 2020 Update: Loan £1,925.63, Credit Cards £37,541.74Overdrafts £1,540.00 Total Debt: £41,007.37 / 1% = £410.07

    Jan 2021 Update: Credit Cards £34,189.49, Overdrafts £900 Total Debt: £35,089.49 / 1% = £350.89
  • EyebrightEyebright Forumite
    1K Posts
    Ninth Anniversary Combo Breaker Cashback Cashier
    Well done for taking the first step, a diary is a great place to help with focus, motivation, and find advice and like minded people to travel on your journey with.

    Wishing you all the success on your journey. Stick with it!:j
    POAYDBX 2020 #? 20/4000
    1 debt vs 100 days #14 20/1000
    Saving for Christmas 2020 50/500
    EF Saving 285/500
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