Stop being a Wimp!... DMP Journey

Quick update - 1 more payment and we dip under the 20k milestone:j:j

Job is still frantic and 100 miles an hour, not sure how long I will be able to keep this up. This is definitely not what I signed up for so back to the drawing board I think and start looking for something else:(

I think the relationship with my OH is on the verge of collapse! I feel so trapped but there is no way out until we have paid back all our debt's so I am starting to make plans for when we are debt-free. I can't believe how lazy he is and how scruffy he is becoming. There is no let up on the drinking or smoking, in fact it has got much worse. The new habit that he has got into since I have started with this new job, is to drink 4 cans of lager in the house and then go off to the pub for a few more! As he has some work at the moment, he thinks he has the right, this plus 30 fags a day cancels out anything that he earns and I have had enough.

I feel very resentful as I am trying to clear our debts and have to go without treats, holidays etc. whilst he won't even try.

I'm feeling a bit sorry for myself at the moment so need to get my positive head back on and keep telling myself that in approx 2 1/2 years I will be debt and leeching OH free!:o

Thanks for the hugs EE (much needed)

Job is beginning to settle down so will keep going for now and give it some time. It hasn't been as manic for the last couple of weeks so it may be ok.

We need to sell our house before I can move on, I pay for everything and manage to pay the mortgage, DMP etc. out of my money. We do have equity in the house but if we sell now we won't get the best price for it plus I still owe 20k so that's a big chunk. The house does need some cosmetic work doing which OH could do but won't and I am sick of asking so I am happy to plod on and be miserable for a couple more years (if you see what I mean). The house is big enough for us to have our own space.

Ellie xx

Thanks for your comments Sickofthisdebt and I'm glad that my diary has helped you. I do refer back to the beginning every now and then to remind myself where I was and where I am now and it does help when I'm feeling down and thinking there is no end to this journey.

Things have improved between myself and OH after a huge bust up, it had been coming and he seems to have taken a few things on board so we'll carry on and see how it goes.

Settling into my job a bit more now and starting to enjoy it more. Saving loads on petrol as I can work from home more. They have just given me a bonus which was a surprise but very much appreciated. We are going to use it to decorate the hallway which will make me feel much happier.

My next milestone is to have all 11 debts under the 4k mark, there is only 1 left over 4k and we reach this milestone in December so not so far off;) two of our debts are also under 1k which makes me smile every time I see it on my spreadsheet, this is a huge boost as the figures seem to be reducing much faster now they are only 3 digits instead of 4:o

I've also been doing the £1 a day challenge and my tin is getting very full now, this will pay for Christmas for us and I don't have to worry about whether I've budgeted enough. For anyone thinking of doing this, it really is worth it and I have found that putting a £1 away every day has become a habit that I'm definately not ashamed of:)

I noticed that HH from the debt free wannabe board is finally debt free and I am so pleased and excited for her. She has been a great help to everyone and it's a fantastic boost to us all...Well done!

Take care all

Ellie

Thank you EE, I will PM you.

Ellie xx