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05/02/2013 8:50 am
Seeing as it's a year since I got my form 5, I was thinking how things have changed. It's amazing how even small things can make me smile when it's to do with my financial position now. I can log into my online banking with my eyes open. I used to close them when I had put in all my info and take deep breaths as I knew how bad it would be. I don't leave the house when the postman comes round anymore then peak through the door to see who wants money that day when I get back. I can buy a takeaway in the week before payday if I can't be bothered cooking. Yes, there's big stuff like decent holidays - or any holiday, buying new furniture and that sort of thing but honestly, it's the little things that make me smile. I can also afford to buy my boy a toy or book when we go to the shops but usually don't cause he hasn't tidied his room[:p].
Nothing left to discharge - everything's done and dusted!
05/02/2013 10:01 am
Hi gillian
great post and it is exactly the way it should be. The whole point of entering the trust deed is to allow for the option of starting again.
Mark
Mark is not posting regularly in the Trust-deed.co.uk forum.
05/02/2013 10:20 am
What a brilliant post.I am half way through and I am so looking forward to being able to enjoy simple things to... in saying that ,looking online at my account now,there might be nothing in it,but knowing where every penny is going gives me a real sence of control that I had lost.So whilst TD is hard,as it should be,still best thing we could have done.Also with two teenagers,although they do not know ins and outs of our problems,they are learning about value of money too...they might not always like it but they will hopefully benefit longterm and always be able to enjoy simple things too...
05/02/2013 11:44 am
I would add another benefit that I've niticed after TD finished. It's life itself I can sleep at night and don't worry about calls letters re debt. My health and personality is so different, I smile feel lighter can walk tall.
It's been tough these past 3yrs but so worth it, turned the page in life and will always remember how I felt prior and during TD to never want to do that to myself and family ever again.
Completed 3yr TD Sept '12 discharged Sept '12. Trustee discharged Jan '13
Building up savings.
05/02/2013 4:13 pm
What a lovely posting. True words spoken. It is definately the little things that matter. It is very frightening to be in that much debt but after 3 years with alot of effort and the feeling of having paid towards that debt to get it cleared is a very good feeling indeed. Like you not so frightened looking at our online banking now, it will be even better when we get our equity sorted.
05/02/2013 6:53 pm
Love this post 😀
