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My First Post

crowdies
crowdies Posts: 17 Forumite
in Debt-free wannabe
I have been lurking for around a year now and have been following Martin's tips to save money. Have managed to get back bank charges from First Direct:j , and a decent discount from Virgin:j . Despite those savings, I have had the lightbulb moment when first direct would not give us a temporary increase to our overdraft facility due to a blip in our income. Will explain more later and fill in the SOA but have to dash off to work (to earn some money). So briefly, debts of around £41,000,:mad: setting up a DMP with CCCS. I will update when I get home at lunchtime (hope).
I am so impressed with the help and support I have seen on this board so have decided it is time to take the plunge.

more later
regards
John
«1

Comments

  • Broken_hearted
    Broken_hearted Posts: 9,553 Forumite
    Welcome and good luck
    Barclaycard 3800

    Nothing to do but hibernate till spring
  • Honeybee_2
    Honeybee_2 Posts: 290 Forumite
    Good luck to you. :)
    Debt free in 2010 :beer:
    £6551.35 paid so far.

    This WILL be my debt free year! :T
  • jinky67
    jinky67 Posts: 47,812 Forumite
    Hello there
    and Good Luck
    :heartpulsOnce a Flylady, always a Flylady:heartpuls
  • crowdies
    crowdies Posts: 17 Forumite
    Thanks for your welcome post earlier. I am still new to all this and not sure how i continue the thread I started? I want to put in an SOA etc. but not sure how I link it to my original post. Any advice appreciated!
    regards
    John (Crowdies).
  • crowdies
    crowdies Posts: 17 Forumite
    Many thanks for the welcome!
  • bank_of_slate
    bank_of_slate Posts: 12,922 Forumite
    10,000 Posts Combo Breaker
    Hi John! and a big welcome to you.
    Whenever you're ready post a full SOA and we'll all be here to help you
    ...Linda xx
    It's easy to give in to that negative voice that chants "cant do it" BUT we lift each other up.
    We dont count all the runners ahead of us & feel intimidated.
    Instead we look back proudly at our journey, our personal struggle & determination & remember that there are those that never even attempt to reach the starting line.
  • moneymabel
    moneymabel Posts: 7,910 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    welcome john and best of luck.
  • phantom9999
    phantom9999 Posts: 107 Forumite
    welcome to the site.
    you will get lots of helpful advice here.

    good luck

    P
    Lost 2 stone 12.5lbs since February 2011. :j
  • poppyg_2
    poppyg_2 Posts: 322 Forumite
    welcome john, read the info on getting started, that has the link to do the SOA that you can then get into the right format to post on here :)
    Money doesn't make you happy so I'm skint but cheerful :beer:
  • crowdies
    crowdies Posts: 17 Forumite
    Many thanks for the welcome. Just trying to find the link to the SOA now and figure out how this all works.
    regards
    John
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