Since I started my debt management plan I have grown to LOVE the 15th of the month. The 15th is the day I make my DMP payments and it means I am one step closer to paying back all my debts and being free to get on with the rest of my life :D
I was lucky, my creditors have all agreed to stop adding interest and charges (so far), so I am really eating into the balance every month which is very motivating. Of course it is tough to find £300 every month and there are certainly not too many luxuries in my house at the moment but I try to focus on the fact that in 5 years from now I will be out of debt having repaid every penny I stupidly borrowed.
Until next time…