Joined 31.05.16

Hi Rexelpink,

Thank you for joining me on my journey. Have you got a diary i can subscribe to. Im sure my musings are very boring but I have to say keeping this diary feels like i have turned an absolutely massive corner. My debt will go down slowly so I cant be too expectant of massive changes. Another lady writes about keeping up with the joneses and this struck a real chord with me.
In the past I've held back on saying I cant afford something or to go somewhere expensive or out for dinner but I've recently just started telling people quite bluntly - I've overspent, im in my overdraft, I cant afford it. A suprising amount of people have understood- but not everyone.

I am a bit obsessed with what im eating because I think this is a major factor in my debt so im sure that is totally dull but it really helps me to note down what I've eaten and where I've been.

I hope we can blitz our debts together. It must be harder for parents and managing a house and school schedules.
I've given myself very high targets because if they're not difficult ill be complacent and ill spend lots of time worrying but wont change anything so the more intense the better and posting every day right now really helps.

I cant imagine being free of debt, I've had this in some form for around 4 years but im hoping the day will come. Good luck to all. Xxxxx

I think you've hit the most controversial of all topics there. I think one persons essential is another persons luxury. (my essential leg wax case in point).

But with children I think its even more blurry. My sister was saying recently that her friends daughter who is 8 knows that her mum and dad go to lidl because Sainsbury's is expensive. My sister was very upset by this. But its interesting to me because i don't think there is much wrong with children knowing that.
I grew up knowing my parents were but my sister doesn't remember this like i do. She was shocked that I thought this was normal. I don't think it did me any harm honestly. We didn't go on holiday abroad and we knew days out were a treat. Looking back i have no idea how my patents managed but I do think its even harder now.
I do remember my mum and dad worrying a lot over money which as an adult makes me feel sad. As a child i used to constantly worry about them getting divorced. I told them that recently and they couldnt understand why i would have thought that. They are married almost 40 years now but i suppose I just mean children pick up on things and because they don't understand or they see things on telly and they worry.
im not sure how old yours are but Hopefully you can find a balance. It is hard organising this debt but im.hopeful there is a way through for us both
xxx

Hello Baibelle, Reality_check, Dolly Rocker and everyone.

By sheer coincidence I did get my eyebrows threaded today and it was ok. My lady remembered that we had talked about it and she offered instead so I did.

I wish my friends were poor. Mine all assume im wealthy because I have a mortgage. That's how peoples minds work but its complete nonsense.

If im honest its the thought of meeting someone amazing and then having to explain this situation that I am worried about.
I kind of find dating a chore, I haven't met anyone nice on my normal life have thought about eharmony but mostly have found men to be incredibly needy. And often quite boring. When I've dated I felt quite suffocated by the constant communication that men like to do. I hated being asked what I was doing every day and just find it all a bit silly. Every morning I used to get a text sating good morning, it was too much for me. Tinder I've not done! No judgement honestly. Maybe I will!

I think london has a lot to answer for, people have forgotten that dating is all about the connection rather than what people have in their bank account.

Sorry to read about your relationship Baibelle. That cant be easy and must be weighing on your mind. I hope you are ok.
To be honest im not sure how my debt repaying will go, im hoping to have more of a plan when I've sorted out my overdraft. Going to balance transfer to mbna 0% 20 months so that will help.

Being single is frustrating because no matter what you say or do people who wouldn't choose to live on thier own cant understand that choice and assume (wrongly) that you never get any invites and are desperate to go out. They then put pressure on you to go out and spend money. For me this is the worst bit. This then brings more stress because you're constantly having that battle and its exhausting.

Todays spends
£68 dentist
£10 eyebrows
£8 pub
£10 market

Had spaghetti bol for tea and staying in tonight. Need to nip to tesco tommorow and sort out lunch for monday. 15 sleeps to payday. £75 payment to credit card on monday.

I don't think im going to make my august target but its on my mind constantly and im trying hard which is a giant improvement! Xxxx