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  • FIRST POST
    • Better place
    • By Better place 10th Dec 18, 5:00 PM
    • 26Posts
    • 64Thanks
    Better place
    On my way to a better place...
    • #1
    • 10th Dec 18, 5:00 PM
    On my way to a better place... 10th Dec 18 at 5:00 PM
    Hello everyone
    I am starting my journey, clearing my debts along the way and finding the person I used to be before I became weighed down with money worries, let alone the stresses of everyday life Ė family, work, health, the list goes onÖ.
    Stepchange have been assisting with me with my debts for the last 10 months or so, but on checking my online dmp I canít understand how they have worked the payments out to each creditor Ė some I owe less to seem to be getting more than others, and also, Iím never quite sure of the actual balance, but Iíve just let it rumble on. After reading your journeys on here about self-management, I found myself invigorated enough to take the plunge. Today, I have written to all my creditors informing them that I am self-managing from now and asking for up to date balances, and how do they want me to pay them etc. I need to get a handle on exactly how much I owe each one, there are 8 . Donít get me wrong, I donít know what I would have done without Stepchange this time last year.
    A bit about the rest of me Ė married with a DD, she is 16 and happy at college Ė recently got herself a weekend job at a well-known fast-food place. DH suffered with a back injury last year, so he only works very limited hours now hence the financial predicament. I work full time (seems like more).
    I am so excited about this journey, Iím sure there will be bumps in the road but Iím ready for them. I will not be making any payments until March/April time as I have rent and gas arrears to take care of first Ė they are not huge amounts but have been playing on my mind and need to be cleared. Has anyone else taken a break before starting self-managed from Stepchange or another provider? How was it?
    Best get on with some work nowÖ I have a funny feeling I will be spending quite a bit of time on here. I love reading everyoneís journey.
Page 2
    • Aaleigha
    • By Aaleigha 27th Dec 18, 7:07 PM
    • 545 Posts
    • 3,480 Thanks
    Aaleigha
    for your back use ibroprophen gel to run in as it not only kills pain but is also an antiinflamatoy

    I am out with my dd tomorrow most likely I will spend as I have saved up for new curtains for our new house (we move soon) son you will be able to say I have saved up

    I know how weighing debt is and sadly we are having to take on a short term mortgage to get the retirement home we want - so I need to start saving asap to be able to pay that off asap

    hope your back soon eases
    SEALED POT CHALLENGE # 100
    pot 1 (unknown starting amount) £14 Pot 2 £8.50
    total £22.50
    EMERGENCY FUND
    £80/1000 plus some in my bank I think £110 total190/1000
    DECLUTTER. 177/2019
    • Better place
    • By Better place 28th Dec 18, 2:53 PM
    • 26 Posts
    • 64 Thanks
    Better place
    Hi Aaleigha et all
    My back feels a little easier today, took some ibuprofen last night, didn't get to sleep until 2am but did sleep through to 8am. Went to WW and maintained this week so nothing off but nothing on either I'll take that.
    Put some washing out earlier ad there was beautiful sunshine but now it's gone all overcast
    DD gone into town with her friend. OH at work. I'm in the warm with a cuppa
    Had an email from wescot yesterday informing me my offer is too high and I should be paying them £1 a month until things improve for me. I really don't get it with these debt collectors, some want your last penny and yet others seem to he more understanding. Just waiting on Robinson way now - I wonder what stance they'll take.
    • Better place
    • By Better place 29th Dec 18, 3:47 PM
    • 26 Posts
    • 64 Thanks
    Better place
    I've decided that along with my new found passion for taking control of things that I must write lists to stay on track. I am here because I can't tell the difference between a need and a want and it's not until something happens and suddenly you've not got enough for it all that I realised this, and so I am putting pen to paper this afternoon to get things in order. I am setting my goals for the New year. I have read that many of you set up savings pots or have envelopes for things. I am going to do this too and account for every penny. 2019 here I come.
    • Debtfreewannabesophie
    • By Debtfreewannabesophie 29th Dec 18, 11:27 PM
    • 1 Posts
    • 1 Thanks
    Debtfreewannabesophie
    Really interested to follow your self managed DMP because itís something Iím considering myself!! You seem so determined so Iím sure youíll give me the kick up the bum I need to get myself in line!!
    • pidge04
    • By pidge04 30th Dec 18, 4:51 AM
    • 576 Posts
    • 1,597 Thanks
    pidge04
    I am a big fan of setting money goals so good luck with that!
    O/D £1000
    CC £3025
    LOAN £4643
    • Better place
    • By Better place 30th Dec 18, 12:17 PM
    • 26 Posts
    • 64 Thanks
    Better place
    Just wanted to say thank you all for stopping by, I appreciate your support. I read your journeys too and will definitely be popping by to encourage and support you all.
    I've made my lists and created a spreadsheet which has everything on it and I've allocated money to each bit. This will take effect from 18 January when I get paid. To me it will seem like I have no cash on 19 January but in effect I'll have money for everything - just a change of perspective needed
    I must get on with some housework now
    • Better place
    • By Better place 1st Jan 19, 12:48 AM
    • 26 Posts
    • 64 Thanks
    Better place
    Happy new year to you all.
    Quiet night in for me and the family, I'm happy with that. Just thinking now about what other changes I can make to ensure 2019 is gonna be a better year...
    I'm sorting the money situation; going to WW to manage the weight. I've always wanted a carer in caring for others but have never done anything about it because my current job is better paid but I'm not sure I'm getting job satisfaction doing what I'm doing. My current job is office based. I can't change jobs now really not while I owe money.
    Taking it easy new year's day, just cooking a roast and then going for a walk weather permitting.
    • Better place
    • By Better place 2nd Jan 19, 8:21 PM
    • 26 Posts
    • 64 Thanks
    Better place
    Back to work today, wasn't as bad as I thought it was going to be, glad that first day back is over though.
    Tomorrow lunchtime i will be finalising all debt related matters. And I must take the decs down when I get home. I say decs but is really only the tree and a couple of bits here and there.
    • Better place
    • By Better place 6th Jan 19, 11:32 AM
    • 26 Posts
    • 64 Thanks
    Better place
    Much to do today, a few bits of shopping and then I said I'd help DD sort her bedroom out so we can make some more space in there. It's not the biggest of rooms so every bit of extra space will help.
    Setting up standing orders for my SM payments. It all seems a bit real now!
    Got all the washing done yesterday.
    I am hoping to get out for a walk later as well, it's quite mild here at the moment.
    • Better place
    • By Better place 6th Jan 19, 7:26 PM
    • 26 Posts
    • 64 Thanks
    Better place
    Busy day today, moved bits about in the kitchen and gave it all a good clean.
    Helped DD do her room and she is just now hoovering and tidying up, up there.
    Treated myself to a mattress topper today as I never seem to get a good sleep anymore and am always starting the day with aches and pains.
    Off for a shower soon and hopefully a good night's sleep.
    • Better place
    • By Better place 8th Jan 19, 8:29 PM
    • 26 Posts
    • 64 Thanks
    Better place
    I've had a rough couple of days at work, I work with someone who can be very rude and snappy and she's not easy to deal with. Just makes the day longer when there's a constant atmosphere.
    I'm in bed early tonight, feeling a bit done in.
    Still no news from my last two creditors- no doubt they'll be in touch soon.
    Day off tomorrow, I'm off to an appointment with my sister, she has recently been diagnosed with Autism. I am her only family and so it's been tough but hopefully tomorrow will shed some light on other support available for her.
    Self managed starts next Friday, looking forward to that
    • mark88man
    • By mark88man 8th Jan 19, 9:14 PM
    • 3,558 Posts
    • 7,725 Thanks
    mark88man
    Why are some people so rude - BECAUSE THEY JUST ARE OK - still no excuse in my humble opinion. Being the better person is sometimes scant consolation
    Things happen for a reason. Often the reason is we are stupid & make bad decisions.
    Weight/Health - Fluctuating - better than I was worse than I should be
    End 18: CC:8K@0% - Car Loan:11K@2.8% - Mort:133K@2.1% = £152K
    Decrease in Total Debt 2016:£13.4K 2017:£8.3K 2018:£20K

    • Better place
    • By Better place 8th Jan 19, 9:54 PM
    • 26 Posts
    • 64 Thanks
    Better place
    I was always taught treat people as you would wish to be treated, but I wouldn't lower myself to treat her as she treats others/me. And to be honest, in the grand scheme of things, she just doesn't matter I know that but boy, does she bring people down. Good job I've got this place to let off some steam
    • Better place
    • By Better place 13th Jan 19, 9:14 PM
    • 26 Posts
    • 64 Thanks
    Better place
    Another weekend gone by, why do they go so quick? I came home from work Friday to two letters from Robinson way agreeing to my payment proposal . Still one I've not heard from and 118 keep asking me to ring them when I've already told them it's writing only.
    First opportunity we get a friend and I will be doing a car boot sale - it's a great way to spend a Sunday morning, sitting in a field in the sunshine talking to people whilst getting rid of stuff I no longer need and getting money for it . Means I have been sorting and asking DD for give up any clothes she no longer wears.
    Busy week at work coming up with meetings and things - still, makes the time go by quicker.
    Half a pound off at WW on Friday . I think I need to focus more on losing weight, I just seem to be either side of my starting weight all the time.
    Time for a cuppa
    • mark88man
    • By mark88man 13th Jan 19, 9:21 PM
    • 3,558 Posts
    • 7,725 Thanks
    mark88man
    Sound like a good week. I agree its hard to be focus on saving money and losing weight at the same time. I'm trying more walking not quite sure how that is going to work.
    Things happen for a reason. Often the reason is we are stupid & make bad decisions.
    Weight/Health - Fluctuating - better than I was worse than I should be
    End 18: CC:8K@0% - Car Loan:11K@2.8% - Mort:133K@2.1% = £152K
    Decrease in Total Debt 2016:£13.4K 2017:£8.3K 2018:£20K

    • Better place
    • By Better place 13th Jan 19, 10:09 PM
    • 26 Posts
    • 64 Thanks
    Better place
    I'm trying to get out at lunchtimes, put the earphones in and off I go. Thing with me is I have got the bit between my teeth to get rid of the debt and want to tackle the weight loss in the same way, so when I don't seem to make any headway I get a little demotivated. But, slow and steady is the way to go. When I've told myself that enough times I may start to see some results
    • Better place
    • By Better place 14th Jan 19, 6:35 PM
    • 26 Posts
    • 64 Thanks
    Better place
    Came home to a letter from wescot saying barclaycard want to offer me a great deal to settle this account. They've asked me to ring them to find out what it is - exciting or what. Bet I haven't got enough to clear it I will email them later and see what the great deal is.
    • Better place
    • By Better place 15th Jan 19, 7:59 PM
    • 26 Posts
    • 64 Thanks
    Better place
    £100 saving on my wescot offer - will pay this on Friday. £250 debt settled for £150 . That's money to save towards another settlement later down the line.
    I am now really on my way to a better place
    I've got the urge to sort through something now for things I can car boot. I'm going to tackle the wardrobe I think.
    • mark88man
    • By mark88man 15th Jan 19, 8:31 PM
    • 3,558 Posts
    • 7,725 Thanks
    mark88man
    I can see why you were complaining about your weightloss stalling - you just gained £100
    Things happen for a reason. Often the reason is we are stupid & make bad decisions.
    Weight/Health - Fluctuating - better than I was worse than I should be
    End 18: CC:8K@0% - Car Loan:11K@2.8% - Mort:133K@2.1% = £152K
    Decrease in Total Debt 2016:£13.4K 2017:£8.3K 2018:£20K

    • Better place
    • By Better place 15th Jan 19, 8:43 PM
    • 26 Posts
    • 64 Thanks
    Better place
    Thank you mark88man - you know how to make a girl feel better don't you?
    As long as it's the bank account getting fatter
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