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  • FIRST POST
    • Onebrokelady
    • By Onebrokelady 31st Jan 18, 12:15 AM
    • 362Posts
    • 978Thanks
    Onebrokelady
    My journey to a debt free life
    • #1
    • 31st Jan 18, 12:15 AM
    My journey to a debt free life 31st Jan 18 at 12:15 AM
    Well Iíve been reading everyoneís diaryís and thought itís such a good idea I would start one myself,Iím hoping to use it as a way to record my journey to freedom from debt and also to have somewhere to come and just offload stuff
    My financial meltdown happened two weeks ago when I realised I just canít afford to pay my debts off properly,Iím sinking under the strain and jut adding more and more onto the total because itís just not sustainable. I came here and was given some brilliant advice then I went away and procrastinated for a week while pooping myself some more about what I am about to do I finally got my !!!! in gear this week and started the ball rollin by registering on the SC site and partially filling out the budget form,I then came unstuck because some of the info wasnít to hand,Iíve now sorted that and can proceed with finishing the budget form which I am doing tomorrow,by the end of this week I want to have contacted SC and set the ball rolling to set up a DMP.
    I then had problems with my online account for one of my creditors but I sorted that out this morning whilst also finding out exactly what I owe them,it was actually not as much as I thought but still too much so swings and roundabouts !!!128522; actually sorting that out today took me ten minutes but itís taken me days to do it,I just get overwhelmed and put stuff off then before I know it another week has gone by and nothing has changed. Still Iíve done what I set out to do today and tomorrow is budget form day then I will see where I go from there
    In other news I changed my phone provider on Saturday so now have a sim only deal for £9 a month instead of £20.02 plus I cancelled the insurance at £6 a month,Iíve also paid for the phone now too so there is a small saving,two weeks ago my phone contract was costing me £35 so Iím quite pleased with this new deal.
    Ok I think thatís enough waffling for one day and I need to try and get some sleep,letís see what tomorrow brings
Page 10
    • Onebrokelady
    • By Onebrokelady 6th Mar 18, 9:41 PM
    • 362 Posts
    • 978 Thanks
    Onebrokelady
    I'm also a worrier and I totally agree night time is the worst!! I've not slept properly for weeks now it's beginning to take its toll!

    Haha I can imagine! Hopefully we will have see the last of the snow now and panic buying puddings
    Originally posted by Poppy1984
    To be honest it doesnt take much to make me panic buy puddings
    I am sorry you are worrying so much its affecting your sleep,I bought some Boots own brand sleeping remedy in the end and that did help for the short term,Im not worrying as much as I was now Ive started my DMP,its really taken the pressure off,I hope you manage to get some sleep soon because it really makes you feel rubbish forgot to say Rescue Remedy spray is also very good if you are feeling panicky,I also use it at bedtime,4 sprays under the tongue,it tastes a bit alcoholic but its not too awful
    Last edited by Onebrokelady; 06-03-2018 at 9:47 PM.
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £636.00 Total Now Owed = £16,994
    Emergency Fund = £400.00 Xmas savings = £200.00
    • Onebrokelady
    • By Onebrokelady 6th Mar 18, 10:09 PM
    • 362 Posts
    • 978 Thanks
    Onebrokelady
    Wow, Onebrokelady, I've just read your diary through & you are really making progress..Half of it is the attitude shift, isn't it? Well, it was for me.....suddenly understanding the link between my own poor money habits & never having any spare money......because what wasn't being frittered was being spent on debt repayments.
    Impressed at your ability to sort out a boiler condenser pipe. I shall know what to do if we have the same problem.now!
    I think savings can be made learning simple repairs/maintenance. I can remember back before the LBM, my downstairs loo blocked badly. I didn't fancy getting down & dirty with it myself so called the plumber. It wss a £45 callout charge plus hourly rate. This is what he did:
    1. Came in, had quick look at loo.
    2.Went out to van.
    3. Came back in with huge plunger.
    4. Did 2 plunges of loo, which cleared.
    5. Charged me handsomely.
    Next day, I went to the funny little indie hardware shop on our high street & asked if they sold very large plungers for unblocking loos. They did. I bought one for future occasions. It cost £3.
    Defo a lesson learned there! I'm not sure how to subscribe to a diary, but will pop in & see how you are getting on.
    Originally posted by foxgloves
    Hi thanks for reading,I love my little hardware store in town,I can spend ages in there
    Its definitely an attitude shift, for years ive been disengaged from my finances and not really known what was going on,money just came and it just went helped along by my little plastic friends, now Im dealing in cold hard cash Im developing all sorts of frugal habits
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £636.00 Total Now Owed = £16,994
    Emergency Fund = £400.00 Xmas savings = £200.00
    • Onebrokelady
    • By Onebrokelady 6th Mar 18, 10:13 PM
    • 362 Posts
    • 978 Thanks
    Onebrokelady
    Lol, to paraphrase my FiL, 'That's a pound for tightening a screw, and £99 for knowing which screw to tighten!'



    Go to the top of the page: there's a 'subscribe' button that takes you to a page with another button to click on, and then redirects you back to the page you just came from. Once subscribed, if you go to your profile page there are a series of tabs for unread posts, most recently viewed, etc. so you can try to keep up with them all. HTH
    Originally posted by Cherryfudge
    Thatís a wise man
    I
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £636.00 Total Now Owed = £16,994
    Emergency Fund = £400.00 Xmas savings = £200.00
    • Onebrokelady
    • By Onebrokelady 6th Mar 18, 10:33 PM
    • 362 Posts
    • 978 Thanks
    Onebrokelady
    My first day looking after my dear GS went ok but Im knackered now
    I finally managed to open a savings account tonight,I transferred some of the money left in my current account over to open it and I will pay the emergency fund into to account on Friday
    I sorted out my mums mothers day pressy today but it wasnt budgeted for as I had forgotten it was next week, Ive managed to cover it but not without sacrificing some of the money that was going to the emergency fund,Ive still put most of it away so Im happy with that
    Last edited by Onebrokelady; 06-03-2018 at 10:35 PM.
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £636.00 Total Now Owed = £16,994
    Emergency Fund = £400.00 Xmas savings = £200.00
    • Poppy1984
    • By Poppy1984 6th Mar 18, 10:45 PM
    • 178 Posts
    • 352 Thanks
    Poppy1984
    To be honest it doesnt take much to make me panic buy puddings
    I am sorry you are worrying so much its affecting your sleep,I bought some Boots own brand sleeping remedy in the end and that did help for the short term,Im not worrying as much as I was now Ive started my DMP,its really taken the pressure off,I hope you manage to get some sleep soon because it really makes you feel rubbish forgot to say Rescue Remedy spray is also very good if you are feeling panicky,I also use it at bedtime,4 sprays under the tongue,it tastes a bit alcoholic but its not too awful
    Originally posted by Onebrokelady
    Thank you lovely I will look into those, not sleeping is really taking it's toll now
    19-02-18 Total Debt £4,015 Next £815 Very £1600 Tesco Credit Card £1600
    PAID Next £815/£815 now closed Very £900/ 1600 Tesco £160/ £1600
    Emergency Fund £280/£300
    • ploppy57
    • By ploppy57 7th Mar 18, 7:41 AM
    • 722 Posts
    • 4,650 Thanks
    ploppy57
    My first day looking after my dear GS went ok but Im knackered now
    I finally managed to open a savings account tonight,I transferred some of the money left in my current account over to open it and I will pay the emergency fund into to account on Friday
    I sorted out my mums mothers day pressy today but it wasnt budgeted for as I had forgotten it was next week, Ive managed to cover it but not without sacrificing some of the money that was going to the emergency fund,Ive still put most of it away so Im happy with that
    Originally posted by Onebrokelady

    You sound like me....love having GS3 on a Monday, but worn out when he goes home. Its a long day from 8.30-3...lol. Looking forward to the nicer weather so we can go to the park etc.
    Since starting out DMP, I have become much more mindful of present spending and try not to spend nearly as much as I used to and when I do spend, I try and make it things that will not clutter their houses or be discarded. So consumables and things that create memories. Also as they get older they do not want anything...my mum is in a care home so it is very hard to find anything suitable.. Birthdays I believe in, but think that Mothers Day, Fathers Day, Valentines, Christmas etc is such a waste of time and sooooooo commercialised. Especially Christmas....makes me cringe when I read about people spending hundreds of pounds on their kids....why??? I know its each to their own, and I respect that. But I am saving for Christmas and don't intend to spend more than £300 on the whole thing, including presents and food.

    Good luck with the savings account. I love having our little savings pots. Makes me feel "rich" even when there is only a little bit in there.
    DMP March '15 £57,549. Now £44,430. almost 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... Building up slowly.
    Christmas '18 challenge... £22 /£300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • Onebrokelady
    • By Onebrokelady 8th Mar 18, 9:58 PM
    • 362 Posts
    • 978 Thanks
    Onebrokelady
    You sound like me....love having GS3 on a Monday, but worn out when he goes home. Its a long day from 8.30-3...lol. Looking forward to the nicer weather so we can go to the park etc.
    Since starting out DMP, I have become much more mindful of present spending and try not to spend nearly as much as I used to and when I do spend, I try and make it things that will not clutter their houses or be discarded. So consumables and things that create memories. Also as they get older they do not want anything...my mum is in a care home so it is very hard to find anything suitable.. Birthdays I believe in, but think that Mothers Day, Fathers Day, Valentines, Christmas etc is such a waste of time and sooooooo commercialised. Especially Christmas....makes me cringe when I read about people spending hundreds of pounds on their kids....why??? I know its each to their own, and I respect that. But I am saving for Christmas and don't intend to spend more than £300 on the whole thing, including presents and food.

    Good luck with the savings account. I love having our little savings pots. Makes me feel "rich" even when there is only a little bit in there.
    Originally posted by ploppy57
    I was more tired than I thought I would be but I did sleep well that night so there was a silver lining
    I think my first year of my DMP is going to be a steep learning curve as I work out my budget and get used to not using a credit card,I had forgotten about Mothers day but to be honest even if I hadnt I still wouldnt have had the money for it,last year it went on my credit card as I had no money then either so Iím glad that i actually had money I could use this year,I know it was meant for the emergency fund but better to use that than run up credit, Iím sort of flying by the seat of my pants at the moment because Ive started my DMP while not having any savings for birthdays etc so this year Im just putting away as much as I can and dealing with each thing as it comes up,I now have DD1s birthday in June and then DGS in July so money Iím saving now will go towards that,I have set myself a budget for them both though and Iím sticking to it, I used to spend hundreds at Xmas but not anymore
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £636.00 Total Now Owed = £16,994
    Emergency Fund = £400.00 Xmas savings = £200.00
    • Onebrokelady
    • By Onebrokelady 8th Mar 18, 11:19 PM
    • 362 Posts
    • 978 Thanks
    Onebrokelady
    Today was not a good day financially as I had to take the cat to the vet,he has an ulcer on his cornea probably from fighting,the bill came to £110 but luckily for me he belongs to my DD2 who lives with me so she will be paying me back, The emergency fund came to the rescue again
    I spent the day cleaning the house and getting some washing done ,it was a lovely day here today
    Iíve also had letters from my creditors to say they are defaulting my debts unless I make the minimum payments by certain dates ,obviously Iím not going to do that so they will be defaulted ,I going to write to them reminding them that I am doing a DMP and when they can expect a payment from SC,two of them have stopped interest but one has said they wonít stop the charges so Iím going to write to them asking them to stop the interest charges
    I also want to change my signature on here to show my debt and the payments coming off as i think it will motivate me more
    Tomorrow Iím going into the bank to pay my emergency fund into my new savings account
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £636.00 Total Now Owed = £16,994
    Emergency Fund = £400.00 Xmas savings = £200.00
    • Cherryfudge
    • By Cherryfudge 9th Mar 18, 9:36 AM
    • 1,701 Posts
    • 9,169 Thanks
    Cherryfudge
    Good old emergency fund. I hope the cat soon recovers fully.

    We have beautiful weather too, it makes life so much nicer. I too spent a chunk of yesterday cleaning!

    Would SC write on your behalf? I'm not saying don't write - it's a positive move - but it would take the stress off you and is proof that you have the DMP.
    MFW #30 Paid off £1,622.77/£3770 as of 4/5/18
    • Puzzcat
    • By Puzzcat 9th Mar 18, 11:06 AM
    • 3,226 Posts
    • 16,386 Thanks
    Puzzcat
    Good old emergency fund. I hope the cat soon recovers fully.

    We have beautiful weather too, it makes life so much nicer. I too spent a chunk of yesterday cleaning!

    Would SC write on your behalf? I'm not saying don't write - it's a positive move - but it would take the stress off you and is proof that you have the DMP.
    Originally posted by Cherryfudge
    SC do write but don't push for interest to be frozen that is down to ourselves to do.

    Puzz
    Christmas 2018 £250 cash/£74 vouchers
    I love my dmp started in Nov 13 with SC. Self Managed 2016 54% done
    £60062/27269.76 - 12068k UE
    Pot Of Gold - £520.00
    MY DIARY -
    http://forums.moneysavingexpert.com/showthread.php?t=4768685
    • Onebrokelady
    • By Onebrokelady 9th Mar 18, 12:59 PM
    • 362 Posts
    • 978 Thanks
    Onebrokelady
    Good old emergency fund. I hope the cat soon recovers fully.

    We have beautiful weather too, it makes life so much nicer. I too spent a chunk of yesterday cleaning!

    Would SC write on your behalf? I'm not saying don't write - it's a positive move - but it would take the stress off you and is proof that you have the DMP.
    Originally posted by Cherryfudge
    The cat is looking miles better already,I think k he must have been in quite a bit of pain because he was very subdued and heís normally quite lively,he was running round the house this morning so not subdued anymore,he isnít impressdc by the cream we have to put in his eye though

    I think the letters Iíve received from my creditors are just automatically generated letters that happen in this situation,they have to follow a plan so the first letters were just confirming that Iíve told them I canít pay and warning me of them consequences,then the next letters are giving me 30 days notice of their intention to default my debts and give me a last opportunity to pay them,after this they will be defaulted and I expect I will get another letter telling me this has happened they then either keep the debt and accept my payments from SC or they sell it to a DCA at which point I will getmyet more letters explaining why,itís such a waste of paper,Iím only writing to them because they have put some dates on these letters for when they expect payment and it doesnít marry up with my SC payment,I just want to make sure that they know Iím with SC ( they do know really) and I want to let them know what date the money goes to SC so they know they wonít get paid until after this date and I also want to tell them that they are only to contact me via written letter and not by phone and in the case of NatWest to ask them to stop the interest. SC dont persue the stopping of interest payments the individual debtor has to do that themselves,Iím just going to throw myself on their mercy and hopefully they will agree,eventually the debt will defaulted and then interest will stop at that time,they just try everything first to get you to pay
    Iím not going to get stressed out about it because I know I have a good plan and SC will back me up,Iím just going to write and quote me SC refnumber and they can see that I have a DMP in place
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £636.00 Total Now Owed = £16,994
    Emergency Fund = £400.00 Xmas savings = £200.00
    • Cherryfudge
    • By Cherryfudge 9th Mar 18, 1:06 PM
    • 1,701 Posts
    • 9,169 Thanks
    Cherryfudge
    Glad you aren't stressing . I see now why you need to write: as you say they waste a lot of paper but I guess it's worth jumping through a few hoops to get things sorted.

    Glad the cat is looking better!
    MFW #30 Paid off £1,622.77/£3770 as of 4/5/18
    • Onebrokelady
    • By Onebrokelady 9th Mar 18, 7:52 PM
    • 362 Posts
    • 978 Thanks
    Onebrokelady
    Glad you aren't stressing . I see now why you need to write: as you say they waste a lot of paper but I guess it's worth jumping through a few hoops to get things sorted.

    Glad the cat is looking better!
    Originally posted by Cherryfudge
    I reread the letters and it seems they are all going to default me and stop interest and any other charges so thatís good news,NatWest included a IE form with their letter but I m not filling it out because SC have already sent them one,I have written them all the same basic letter responding to their request for payment,basically it just says that my financial situation isnít going to change so I will not be able to meet my contractual minimum payments and that I have set up a DMP with Stepchange andif they want any more information to contact them,I also told them that all communication from now on has to be by letter only and not by phone ,Iím feeling calmly in control at the moment,lets hope it lasts
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £636.00 Total Now Owed = £16,994
    Emergency Fund = £400.00 Xmas savings = £200.00
    • Onebrokelady
    • By Onebrokelady 9th Mar 18, 8:18 PM
    • 362 Posts
    • 978 Thanks
    Onebrokelady
    Well today I went in and paid my emergency fund into my shiny new savings account,there is now £350 in that account with another £100 to be paid in when my daughter pays me back for the vet bill,I;ve given her the option of paying me in two instalments but she says she wants to pay me in one go from her savings,she is so good with money and doesnt like owing money to anyone, the £50 that is in that account is actually my Xmas fund so Im opening another account for that and transferring it over later on tonight.......look at me with two savings accounts .....when I was a kid I used to love saving my money it gave me a real thrill to see it building up and I am feeling the same now,I have to make the most of the money Im getting from DD boyfriend before he moves out in September so that is all going in the emergency fund ,the Xmas savings are coming from the rent my sister pays me for my garage and money Im no longer wasting on magazines and the lottery,the garage money always just got swallowed up before but it shouldnt now I have proper budget to stick to,realistically there are going to be months when I cant put anything away as my wages fluctuate depending on how many unsocial hours I do but I should be able to put something away most months,Im just impressed that I have £50 saved for Xmas already as normally I dont have anything
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £636.00 Total Now Owed = £16,994
    Emergency Fund = £400.00 Xmas savings = £200.00
    • Cherryfudge
    • By Cherryfudge 9th Mar 18, 11:21 PM
    • 1,701 Posts
    • 9,169 Thanks
    Cherryfudge
    Just look at you! Doing fabulously! You are so organised, well done.
    MFW #30 Paid off £1,622.77/£3770 as of 4/5/18
    • ploppy57
    • By ploppy57 10th Mar 18, 7:29 AM
    • 722 Posts
    • 4,650 Thanks
    ploppy57
    Well today I went in and paid my emergency fund into my shiny new savings account,there is now £350 in that account with another £100 to be paid in when my daughter pays me back for the vet bill,I;ve given her the option of paying me in two instalments but she says she wants to pay me in one go from her savings,she is so good with money and doesnt like owing money to anyone, the £50 that is in that account is actually my Xmas fund so Im opening another account for that and transferring it over later on tonight.......look at me with two savings accounts .....when I was a kid I used to love saving my money it gave me a real thrill to see it building up and I am feeling the same now,I have to make the most of the money Im getting from DD boyfriend before he moves out in September so that is all going in the emergency fund ,the Xmas savings are coming from the rent my sister pays me for my garage and money Im no longer wasting on magazines and the lottery,the garage money always just got swallowed up before but it shouldnt now I have proper budget to stick to,realistically there are going to be months when I cant put anything away as my wages fluctuate depending on how many unsocial hours I do but I should be able to put something away most months,Im just impressed that I have £50 saved for Xmas already as normally I dont have anything
    Originally posted by Onebrokelady

    Wow...well done on the EF. We had a few set backs with things that we needed during the first 3 years of our DMP so ours is not looking good at the moment, but we will get it back up soon. You are doing so well.
    DMP March '15 £57,549. Now £44,430. almost 23% paid. Went SM Feb '18 to get DF sooner.
    Emergency fund #231... Building up slowly.
    Christmas '18 challenge... £22 /£300
    "There's a Great Big Beautiful Tomorrow, Shining at the end of every day"
    • arsenalbarnie
    • By arsenalbarnie 10th Mar 18, 8:26 AM
    • 269 Posts
    • 1,678 Thanks
    arsenalbarnie
    Hi there OBL stumbled across your diary and have subscribed. Well done on everything you have achieved so far and keep building up that emergency fund! Have subscribed, you sound so much happier than last month.
    • Onebrokelady
    • By Onebrokelady 11th Mar 18, 3:48 PM
    • 362 Posts
    • 978 Thanks
    Onebrokelady
    Just look at you! Doing fabulously! You are so organised, well done.
    Originally posted by Cherryfudge
    Thanks Cherry no one had ever called me organised before Iím actually enjoying being in control of my money for a change,now I just need to get control of the house work and keeping my weight in my goal range,Iíve just been out for afternoon tea and eaten loads so itís not going to be good news on the scales this week
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £636.00 Total Now Owed = £16,994
    Emergency Fund = £400.00 Xmas savings = £200.00
    • Onebrokelady
    • By Onebrokelady 11th Mar 18, 3:57 PM
    • 362 Posts
    • 978 Thanks
    Onebrokelady
    Wow...well done on the EF. We had a few set backs with things that we needed during the first 3 years of our DMP so ours is not looking good at the moment, but we will get it back up soon. You are doing so well.
    Originally posted by ploppy57
    Thanks Ploppy,Iím lucky in that at the moment DDs boyfriend is living here and he gives me rent every month so that money is going in the emergency fund there should be about £900 by the time he moves out so Iím hoping to hang onto that and only use it for absolute emergencies because when he goes my spare money will reduce drastically,I should still be able to save but just not that amount every month,my fridge freezer is quite old so that is bound to pack up in the near future,Im going to look at appliances and work out how much I need to replace the washer and fridge and oven and try to keep that amount roughly in savings,years ago my oven and my washer packed up in the same week and it cost me a fortune to replace them and of course it went on the credit card back then but I canít do that now so I need my savings
    I hope you get yours built up again soon
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £636.00 Total Now Owed = £16,994
    Emergency Fund = £400.00 Xmas savings = £200.00
    • Onebrokelady
    • By Onebrokelady 11th Mar 18, 4:04 PM
    • 362 Posts
    • 978 Thanks
    Onebrokelady
    Hi there OBL stumbled across your diary and have subscribed. Well done on everything you have achieved so far and keep building up that emergency fund! Have subscribed, you sound so much happier than last month.
    Originally posted by arsenalbarnie
    Hi thanks for reading and subscribing,I didnít think anyone would be interested in reading my ramblings
    Iím so much happier than I was when I first joined the site,I was really in a state the day I joined here and it wouldnít be an understatement to say that finding this site and the helpful people on here has possibly saved my life in more ways than one,Iím enjoying being in control of my finances,I just wish I had done it earlier because I wasted so much time worrying about the situation when I could have been doing something about it,but never mind Iím here now and itís onwards and upwards for now on.Im also lovingly having an actual emergency fund,itís something Iíve never had before and Iím finding it very reassuring
    Just keep swimming
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £636.00 Total Now Owed = £16,994
    Emergency Fund = £400.00 Xmas savings = £200.00
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