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what a year!
BlueJ94
Posts: 3,163 Ambassador
Hello,
I haven't posted in a while! But I thought I would update everyone on my situation since my last post! (It's not good!)
Furloughed for 3 weeks
Grandad passed away
Sister currently has Coronavirus!
Cat cost me £1400 in vet bills!
Long story short, I'm worse off than I was last year! BUT I'm determined to get my butt into gear, I've come to realise I am absolutely awful with money and I really need help, I can't continue living my life worrying about money all the time!
So, I took the plunge and I've spoken to PayPlan to get a DMP in place! I honestly feel so annoyed at myself for letting it get this far but I can't undo the past! I already feel 10x better for speaking to someone who can really help me become debt free.
Thanks to everyone for the support in the previous posts, I'll definitely keep people updated as I go!
I haven't posted in a while! But I thought I would update everyone on my situation since my last post! (It's not good!)
Furloughed for 3 weeks
Grandad passed away
Sister currently has Coronavirus!
Cat cost me £1400 in vet bills!
Long story short, I'm worse off than I was last year! BUT I'm determined to get my butt into gear, I've come to realise I am absolutely awful with money and I really need help, I can't continue living my life worrying about money all the time!
So, I took the plunge and I've spoken to PayPlan to get a DMP in place! I honestly feel so annoyed at myself for letting it get this far but I can't undo the past! I already feel 10x better for speaking to someone who can really help me become debt free.Thanks to everyone for the support in the previous posts, I'll definitely keep people updated as I go!
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;
Debt owed;
Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£1000
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£1000
1
Comments
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Hi Jade,
Might be a good idea to set up a diary so we can cheer you on your journey.
Your not the first, nor the last that is awful with money so don't beat yourself up about that.
You are where you are and how you move forward in a positive way is the important thing now 😉
So glad you are feeling more relief now you've taken the plunge.
Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
🌟1 -
Thank you! Yes I will Definitely get one on the go later on todaymoneyonmymindsam said:Hi Jade,
Might be a good idea to set up a diary so we can cheer you on your journey.
Your not the first, nor the last that is awful with money so don't beat yourself up about that.
You are where you are and how you move forward in a positive way is the important thing now 😉
So glad you are feeling more relief now you've taken the plunge.
haha yes agreed, I feel a lot of relief now.
Thank you for the support
I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10000 -
Got my DMP set up, first payment goes out February 1st. Wish me luck 🤞I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10000 -
Moved to debt free diaries.I’m a Forum Ambassador and I support the Forum Team on the Debt free wannabe, Credit file and ratings, and Bankruptcy and living with it boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.For free non-judgemental debt advice, contact either Stepchange, National Debtline, or CitizensAdviceBureaux.Link to SOA Calculator- https://www.stoozing.com/soa.php The "provit letter" is here-https://forums.moneysavingexpert.com/discussion/2607247/letter-when-you-know-nothing-about-about-the-debt-aka-prove-it-letter1
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Oops sorry! My mistake, thank yousourcrates said:Moved to debt free diaries.I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe boards and spending & discounts boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.
Debt owed;Admiral - £0/£8000
DFW Challenges!
PAD #
365 Day 1p Challenge 2026 #8 £31.65
Pay off all your debts by Christmas 2026! #14 £74.77/£8000
Make £2026 in 2026! £390.05/£2026
Savings goal £91.50/£10000
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