I've been thinking ...

Today I've been thinking about debts.

I work in a small office in admin. My job entails chasing debtors and it makes me wonder if somewhere, someone is sat with my name on a list? Highlighting, underlining, making notes, updating systems on what I said and when I said it. It also crosses my mind that it may be a little ironic that someone in debt should be chasing people for money when she can't afford her own bills most of the time.

I worry a lot about money. I get stricken with panic each month, concerned that I cant make my bill payments and that my credit rating will be affected because I haven't paid it! The truth of the matter is, that more often than not,  a creditor will threaten action against you but won't actually follow through with it. They will use words they hope will scare you and hope you wont understand in the hopes it will make you pay up. Its taken me a while to understand the way they work and to understand that legally no-one can force me to pay any more than £1 per month if thats all that I can afford and in some cases they cant legally enforce the debt over me.

I will pay my debts slowly but surely but for today I'll take it as it comes. Keep a list of all my outgoings each month so I don't overspend and keep my head above water ... Somehow.