Right then......its the first day of august and the start of my slaying plans :) Although i am motivated and really want to get started i find myself struggling to know where to actually start - it all seems so huge and over-whelming just to think about it......
I know it probably makes sense to get the calculator out and start figuring out how much my total debts are but i'm scared to do that - i dont want to feel like its an impossible task and put myself off completely!
So, instead of procrastinating any more i think i will just pick a debt to work on..... It will get me started and help me get over the fear if i see some success i think, and anyway who says i have to do it a certain way?
The debt i am going to start with is my rates bill - i got a letter from them last week saying i owed over £600 for rates arrears along with a date to go to court. It completely freaked me out i must say, but i managed to phone them and make a payment arrangement of £20 per month. They are also sending me a housing benefit form as i may be entitled to help with my future rates due to being off work - i didn't even know this was an option so i am glad that i phoned them.
As a way to help me work on this debt i have joined a group on Money Saving Expert called debt free wannabee - you can see my resources page for more details on this. Through this group i have agreed to take on an earnings challenge of £10 per day for August - if i can manage to do this i will effectively half my rates bill in the space of one month and quite frankly i would be delighted :)
The challenge will be tough but i think it will be worth it to get a jump start on this! What i will do each day i have no idea yet but i am going to try my best.
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