The last few February’s have been dominated by my annual review time. This one was no different. First the letter drops on the mate. ‘Dear TW, it has been 12 months since we last reviewed your financial situation’…gulp! Then I have to spend time getting together the numbers and documents necessary and then the anxious […]

Hi all, Sorry I haven’t blogged a lot lately. The firm I work for have been really busy lately so I have been working extra hours, which is lucky because CHRISTMAS IS KILLING ME this year ;-) I guess it is true that no matter what you earn life has a way of spending it […]

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 […]

Hi everyone I’m Treading Water and I have agreed to write a blog for BeatMyDebt.com after they helped me to do a Debt Management Plan two years ago. I also post in the forum to pass on my experiences where I can. When I started my plan I had a total of £25000 debt, no […]