My journey to a debt free life
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Good that you feel more in control and have started the DMP process. Well done on cutting up the cards. I would urge you to start saving for an emergency fund. Did stepchange tell you to default on the credit card payments?
Hope you feel better soon.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment 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.0 -
enthusiasticsaver wrote: »Good that you feel more in control and have started the DMP process. Well done on cutting up the cards. I would urge you to start saving for an emergency fund. Did stepchange tell you to default on the credit card payments?
Hope you feel better soon.Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,080.1 Owed = £11,549.91 -
Get well soonI think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration challenge, 2024: Trainers 5 coupons. 5/68
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/220 -
Visited the docs this morning and as I suspected I have a chest infection,so I now have anti biotics to take and because my breathing was so bad they also gave me a ventolin inhaler,I had asthma when I was younger but havent had any treatment for it for 30 odd years she said Im not asthmatic but the chest infection is causing some asthma symptoms which should hopefully go away when the chest infection clears,I felt a bit better after I used it as I was having trouble breathing when I got to the surgery,Im now home in the warm and Im not intending to go anywhere now
The good news is that although I had to pay £17ish for the prescription I was able to pay in cash,this would normally have been an unbudgeted item and it would have gone on my CC but now I have an emergency fund I was able to use some of that I also got a bit of shopping while I was out as I had nothing for lunch so bread and other staples have been sorted,my daughter and her boyfriend go shopping tomorrow so Im going to ask them to get any other bits I need
I also had time to get to the post office so posted the DMP paperwork back to Stepchange and Im going to phone my creditors later to let them know Im entering a DMP
So thats my day so far,Ive taken my first antibiotics so hopefully they will start to work soon and I will start to feel betterOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,080.1 Owed = £11,549.91 -
Perfect argument for having an emergency fund!
Hope the antibiotics act quickly and meanwhile the inhaler is there to help. It also shows you were right to stay off work!I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration challenge, 2024: Trainers 5 coupons. 5/68
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/220 -
Cherryfudge wrote: »Perfect argument for having an emergency fund!
Hope the antibiotics act quickly and meanwhile the inhaler is there to help. It also shows you were right to stay off work!Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,080.1 Owed = £11,549.91 -
Hope the anti-b's kick in soon. I had a chest infection some years ago (triggered by peeling mouldy wallpaper we think) and I think it was the most exhausting thing ever.My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese0
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I epent this afternoon calling my creditors and telling them my situation so that is another job ticked off, It seemed to take ages because I kept getting put on hold which was frustrating but once I got through to an actual person they were all very nice,Imjust not sure what to do about my old bank account now,Imnot sure who to,contact about my overdraft or if I should just wait until Stepchange contact them,I can now sit and wait to see what is going to happen next,Ive done everything I am supposed to do and its now up to the powers that be as to what happens next,I am now going to have a break from thinking about it for a bit and concentrate on getting better
Im hoping to do a bit more sewing later if I can calm this cough down,I managed three letters last night but didnt start until late and was too tired to do any more
Ive managed to wash all the towels today but not done anything else house wise as I feel too ill,I still havent made the banana bread,I think its going to have to roll over into tomorrow
Its also a good job I got all the financial stuff sorted by today because I found out yesterday that my daughter has got the next two weeks off so trying to phone people without her finding out would have been very difficult.......phewOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,080.1 Owed = £11,549.91 -
redofromstart wrote: »Hope the anti-b's kick in soon. I had a chest infection some years ago (triggered by peeling mouldy wallpaper we think) and I think it was the most exhausting thing ever.Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,080.1 Owed = £11,549.91
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Lots and lots of progress today, then! You deserve a bit of time off.I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration challenge, 2024: Trainers 5 coupons. 5/68
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/220
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