In debt and need to sort it, but how?

Miroslav

websiteowner wrote:

You are an inspiration because you could have so easily given up altogether. Just keep that fighting spirit and you will come out at the end of this! :A

I kinda have given up, then I have a moment like now and renew the fight, hope it lasts!

If you could see me, I used to be slim, fairly well groomed, now I'm just a mess!

Fight on I will, one day.....one day I am determined to be debt free and happy

Sofa_Sogood

Miroslav wrote:

I love that word I have highlighted!

I've looked through my outgoings.....I'm not exactly a big spender anyway, so i'll keep looking for that advice!

I'm not very good at helping with the practicalities, but I'm certain that your signature will change for the better - and soon.

For free

Post everything you can think of money wise and I'm sure you'll get an answer to most of your questions. Even if that debt goes down by a pound a week, then a pound a day etc.

Best of luck

newmum1

hi ya, once you see the debt on paper it looks a lot but then you know exactly what you need to pay back, and you can see it slowly going down week by week or month by month. most of us are in the same boat on here, so just do what you can

tattooed_lady

Hi Miroslav,

Just wanted to offer you some support in this difficult time.

I'm sure everyone will help you as much as they can.

Well done for facing your problems and for trying to sort them :grouphug:

ceegee

Dear Miroslav.......always carry in your heart that fact that the good folk on this site really do care about each other....even more so when they are on a bit of a downer. There have been many success stories on this site and yours will be another one. :grouphug:

As for looking a sight....well, I used to be young and gorgeous too........blimey, if you could only see me now! :eek: :eek:

Am thinking of you.

ceegee

xxx

Ember999

Miroslav wrote:

I kinda have given up, then I have a moment like now and renew the fight, hope it lasts!

If you could see me, I used to be slim, fairly well groomed, now I'm just a mess!

Fight on I will, one day.....one day I am determined to be debt free and happy

Hiya Sweetheart,

Just wanted to say Good Afternoon to ya! It's morning for me actually as I didn't get out of bed until 12:10pm :eek: Due to my fall down the stairs yesterday, my bruised and battered body slept for over 11 hours :eek: I'm a lazy so and so....LOL

Happiness you know, is a state of mind that can be achieved whatever situation you are in. Many years ago I read a book called 'Happiness Now' I'd send it to you if I still had it but I gave it away to someone who needed it about 4 years ago. What it basically tells you is that life will get better if you try to adopt a positive mental attitude. Try not to look at what you don't have/can't achieve right now etc. try to look at all the good things in your life and what you have achieved so far. A lassie can be beautiful whatever her size and there are lot's of little things you can do to cheer yourself up. I am a trained Holistic Therapist (though I don't do that job anymore) and I want to send you a few little goodies to cheer you up. Send me your address by PM please hon and I'll do what I can to help make you smile a little

I'll also send you my e-mail so if ever you want to chat you have someone to talk to...

Keep reaching out to your friends, try to smile a little and we will sort out what we can for you I am sure.

Ember xx

johannamse

Hi Miroslav,

1. Don't worry about work, if you are unready, then you will simply get iller going back too early.
2. You are doing OK, and have completed half the job. You just need to get organised.
3. I have compiled a list of Action points for you (i have put it in an excel ss) but cannot paste that effectively here. I know it looks messy. Can you pm me your email address. If you do all my action points and offer revised offers on a couple of them your outgoings will be £17.50 pw, under the £18.50 target.
4. Stop worrying and get well.

Debts: Amount Offer Accepted? Action Plan
Council Tax 920 Offered £5 pw Chase - but reduce offer to £1 pw, iclude SOA
Rent £173 173 Offered £6.50 pw Accepted
Liabilty Order 70 Offered £2 pw Chase
Gas 350 Offer £1 pw - include SOA
Unwanted TV Channel 170 Offer £1 pw - include SOA
Barclaycard 1100 Offered £1 pw Accepted
Capital One 580 Offered £2 pw Accepted Chase Lost Letter with payment address
Housing Benefit 302 Offered £5 pw Chase - but reduce offer to £1 pw, iclude SOA
Barclays Bank 680 Subject To Court Proceedings/Statement Of Means – Offered £2 p/w Chase
Working tax Credit 1006? Chase

Miroslav

Sofa_Sogood wrote:

I'm not very good at helping with the practicalities, but I'm certain that your signature will change for the better - and soon.

For free

Post everything you can think of money wise and I'm sure you'll get an answer to most of your questions. Even if that debt goes down by a pound a week, then a pound a day etc.

Best of luck

Well, I'm off to pay £13 off the rent debt later, so it will be a start

Posted all I can think of, can't think of anything else at the moment, but i'm sure their is more.....

At least I would have started today

Miroslav

newmum1 wrote:

hi ya, once you see the debt on paper it looks a lot but then you know exactly what you need to pay back, and you can see it slowly going down week by week or month by month. most of us are in the same boat on here, so just do what you can

Thanks

It does make it 'different' to see it written down and what goes where. Think I'm most concerned about bailiffs, debt collectors and jail.

Miroslav

ruyareece wrote:

Hi Miroslav,

Just wanted to offer you some support in this difficult time.

I'm sure everyone will help you as much as they can.

Well done for facing your problems and for trying to sort them :grouphug:

Thanks, hoping to come out the 'other side'