This is my first post on my debt, although I have held the debt for five years now.

Initially I was able to pay a considerable amount towards the debt, but after about twelve months this became virtually impossible so I moved to making minimum payments each month. This situation persisted until April 2015 when I was at last able to increase my monthly payment to an amount which would see me paying the debt off more quickly.

Step Change are estimating that I will pay down my debt by 2020. This is just too long, so I will be looking to increase the monthly amount and also to make additional payments so that my debt free date will be Christmas 2017, i.e. just two and a half years from now. This will enable me to get on with my life again without having my ins and outs monitored by a third party.

Please visit me from time to time to see how I’m getting on.