Newbie!

TimeHasCome

Hi All, :hello:

Well the time has more than come to sort myself out! Been in denial of everything but finally facing upto things, well more because I have no choice now!! Already started a but cancelling some DD's etc but thought that putting some numbers in black and white would be a start and its really hit home tonight! Had a quick click around and think its known as the light bulb moment!

I'm looking forward to takling this lot, hopefully with your help! I'll work on an SOA with rates I'm incurring etc and my cash flows, I know I owe at least £30k + another card with I *think* (rubbish I know!) about £5k on it, cant find it at the moment!!

Anyway, gotta get up stupidly early so off to bed!

PS.: I did lunch for the week for £1.49 this week! 4 pots of beans, there's bread and a toaster, butter and even chees in the office!!! Feels good, provided I can GET to work LOL!:o

~Beanie~

Well done for posting, it is definately the first step on your road to being debt free! :T

Come back with your SOA etc and you will get some experts to help you.

Beanie x

hypno06

Welcome aboard - keep on posting, and you will have those debts down in no time!

My three suggestions would be:

1. find out your actual debts and put all the gory details in the snowball calculator at www.whatsthecost.com this will give you a provisional debt free date and is a great motivator.

2. join in one or two of the challenges on this board - make £10 a day, or the olympic challenge.......an excellent way of getting support and new ideas, and the extras that you raise will soon help that debt reduce quickly.

3. Keep posting here - the support is amazing.

Pumpkin_Seed

TimeHasCome wrote: »

Hi All, :hello:

Well the time has more than come to sort myself out! Been in denial of everything but finally facing upto things, well more because I have no choice now!! Already started a but cancelling some DD's etc but thought that putting some numbers in black and white would be a start and its really hit home tonight! Had a quick click around and think its known as the light bulb moment!

I'm looking forward to takling this lot, hopefully with your help! I'll work on an SOA with rates I'm incurring etc and my cash flows, I know I owe at least £30k + another card with I *think* (rubbish I know!) about £5k on it, cant find it at the moment!!

Anyway, gotta get up stupidly early so off to bed!

PS.: I did lunch for the week for £1.49 this week! 4 pots of beans, there's bread and a toaster, butter and even chees in the office!!! Feels good, provided I can GET to work LOL!:o

Well Done:T :T