I have finally bitten the bullet and checked my credit file with a thirty day FREE trial from Experian … Make sure you remember to cancel it after a month!
A welcome surprise of … In two months I’ll be debt free! DEBT FREE
Since 2005 I have had every store card, catalogue, credit card, overdraft, or form of credit you can think of, some with credit limits totalling thousands. I’ve fallen into arrears with any credit or any way possible! I’ve had bailiffs knock on the door, letters both via the post and hand delivered.
Part of my bipolar means I spend money.. it brings me joy. I don’t have to need what I bought, I just love the feeling. However this is no excuse for the amount of debt I was in or the fact my head wasn’t buried in sand,but concrete!
Since around 2009, I stopped, mainly because no one accepted me, but since then nothing… I don’t even have an overdraft!
L has been both vocal and supportive in helping me not to spend money I don’t have, and ensuring I don’t ignore it either. She helps me budget, ensures bills are paid and makes sure I still have money for myself. I’m immensely grateful for her help.
I used to dread the post coming through the door, every day. It was always a letter threatening all sorts, but now I skip for the post, I’m excited to see what’s in it!
I pay our bills and rent on time, I have no credit to speak of and there’s always money put aside for vet bills.
This has by no means been easy, in fact my need to spend, has been about as strong as my need for Pepsi! I’ve had tantrums, felt like I was beyond stifled and had to resist the numerous credit card applications/advertisments coming through the door!
To give you Some idea, here is a list of my debts from 2005 -2009
- Barclays bank
- Barclaycard x2 (paid off & reused)
- Capital one x2 (paid off & reused)
- Next directory
- Simply be
- Jd Williams
- Home shop
- Evans card
- Various Utilities
- Water Company
- Vanquis Card
- Grattan catalogue
- Lloyds account
- Rent arrears
- Phone contract
- Phone bills
Writing this list made me cringe! Debt is such an unspoken thing, people don’t like to admit they’re in it, but also they don’t talk about it, thus not getting the best deals, if you require a credit card for a large expense or to improve your credit file.
The Money saving expert is a great site for deals, explanations and offers on everything from magazines and your weekly shop, to loans and insurance!
I’m embarrassed I was in the situation I was, but I couldn’t see a way out. Ignoring it didn’t help, obviously, the letters kept coming, the door never got answered, the pile got bigger as did my stress!
I feel some sort of control, but also I’m far more grateful for the things I do buy now!
Love Sooz xx