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  • FIRST POST
    • uphillstruggler
    • By uphillstruggler 4th Jul 17, 5:02 PM
    • 105Posts
    • 523Thanks
    uphillstruggler
    Uphill Struggling: one woman's mission to get her head out of the sand
    • #1
    • 4th Jul 17, 5:02 PM
    Uphill Struggling: one woman's mission to get her head out of the sand 4th Jul 17 at 5:02 PM
    Hi and thanks for clicking! I'm Uphill Struggler and this is my story.

    My story starts a long way back. I won't go on too much as I've come to realise time is precious, for you and for me, and my laziness in not facing my debt problems was mostly down to poor time management. I'd just like to keep this thread as a means of tracking my progress and holding myself accountable for the financial decisions I've made.

    As a teenager I was so careful with money. At uni banks offered me overdrafts and credit cards left, right and centre, but I refused. One day, when I was feeling the student baked-bean pinch, my then boyfriend encouraged me to apply for an overdraft, and from there it went downhill over the next thirteen years. Living well beyond our means, not budgeting, wanting everything now, being reckless with all the credit that was handed to us on a plate - you name it, I was stupid, had my head firmly in the sand. But we didn't have anything to show for it. Salary went straight to paying off cards and the mortgage. Nothing was left, only to borrow from Peter to pay Paul. It was a miserable existence.

    Things came to a head in 2013. I couldn't afford to keep up repayments. How I wish I hadn't struggled so much to pay every penny I owed! Had I defaulted earlier the debts would be off my file now. But I stuck with the repayments (using the snowball method) - mostly for pride but also because in my heart of hearts I felt I could cope.

    I couldn't cope. No-one knew about my situation. I felt ashamed. Admitting it to family was a great relief, yet extremely painful. I approached Step Change and received excellent help. My new partner was incredible and assisted me in ways I could never have expected. Again, telling him was very difficult and I expected the worst.

    Now I'm in a much better situation. I still have moments where I feel deep shame for my actions and decisions, but I've worked to turn things around and now have a better-paid job and have gone to the other extreme with my financial matters, thanks so much to this site and the DFW forum. I'm a serial budgeter and check my accounts daily.

    I still have one credit account open and pay the amount off in full by DD every month. But I'm still a debt-free wannabe. I still have a long way to go until I can fully get over the experience I've been through and the ties that come with that. Which is why it's so important to me to keep track of my finances and my lifestyle.

    Today's head out of the sand actions:
    *closed a non-used cash card account and paid remaining balance to CC
    *added work expenses to Excel spreadsheet
    *check Money Dashboard
    *quick budget reshuffle

    Thanks for reading!
    US
    Finally taking control
    Emergencies account: £150/500 CC (17/07/17): £763.42
Page 1
    • uphillstruggler
    • By uphillstruggler 4th Jul 17, 6:45 PM
    • 105 Posts
    • 523 Thanks
    uphillstruggler
    • #2
    • 4th Jul 17, 6:45 PM
    • #2
    • 4th Jul 17, 6:45 PM
    Nice day here. I've been on call for work all day so somewhat chained to the apartment! Just popped down the road to A*di for my week's shop: £15 all in; not bad. Must try not to spend bits here and there over the next few days.

    I've closed down my prepayment debit card account as I've paid off the creditbuilder loan on it. I paid the remaining balance to my credit card. It all helps.

    Going to make some dinner now and do a couple of chores before relaxing in front of a movie on my laptop.
    Have a nice evening everyone.

    US
    Finally taking control
    Emergencies account: £150/500 CC (17/07/17): £763.42
    • UncannyScot
    • By UncannyScot 4th Jul 17, 6:48 PM
    • 629 Posts
    • 2,839 Thanks
    UncannyScot
    • #3
    • 4th Jul 17, 6:48 PM
    • #3
    • 4th Jul 17, 6:48 PM
    Hiya and welcome to the madhouse
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • uphillstruggler
    • By uphillstruggler 4th Jul 17, 6:52 PM
    • 105 Posts
    • 523 Thanks
    uphillstruggler
    • #4
    • 4th Jul 17, 6:52 PM
    • #4
    • 4th Jul 17, 6:52 PM
    Thank you!
    Finally taking control
    Emergencies account: £150/500 CC (17/07/17): £763.42
    • enthusiasticsaver
    • By enthusiasticsaver 4th Jul 17, 6:55 PM
    • 4,267 Posts
    • 7,724 Thanks
    enthusiasticsaver
    • #5
    • 4th Jul 17, 6:55 PM
    • #5
    • 4th Jul 17, 6:55 PM
    Well done for turning your situation around and sorting out your finances. Is that right that you have no credit card/unsecured debt now?
    Countdown to early retirement on 21.12.17 3 months to go.
    • uphillstruggler
    • By uphillstruggler 4th Jul 17, 8:06 PM
    • 105 Posts
    • 523 Thanks
    uphillstruggler
    • #6
    • 4th Jul 17, 8:06 PM
    • #6
    • 4th Jul 17, 8:06 PM
    Hi and thanks! I have one credit card I use for the points, so I spend on that and pay it off in full every month.
    US
    Finally taking control
    Emergencies account: £150/500 CC (17/07/17): £763.42
    • beanielou
    • By beanielou 5th Jul 17, 7:32 PM
    • 47,260 Posts
    • 169,931 Thanks
    beanielou
    • #7
    • 5th Jul 17, 7:32 PM
    • #7
    • 5th Jul 17, 7:32 PM
    Happy shiny new diary
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • uphillstruggler
    • By uphillstruggler 10th Jul 17, 12:36 PM
    • 105 Posts
    • 523 Thanks
    uphillstruggler
    • #8
    • 10th Jul 17, 12:36 PM
    • #8
    • 10th Jul 17, 12:36 PM
    Thanks, beanielou!
    Finally taking control
    Emergencies account: £150/500 CC (17/07/17): £763.42
    • uphillstruggler
    • By uphillstruggler 10th Jul 17, 12:40 PM
    • 105 Posts
    • 523 Thanks
    uphillstruggler
    • #9
    • 10th Jul 17, 12:40 PM
    • #9
    • 10th Jul 17, 12:40 PM
    Good DFW weekend for us this weekend. Went to a number of events but limited ourselves to one drink (and loved the lack of hangover!) and ate our own food too.

    Today I will/have:
    *check accounts
    *check recent payments and add to spreadsheet
    *food from stores
    *avoid expensive supermarket! Do not go there!
    *clean flat

    Have a lovely day, everyone.
    US
    Finally taking control
    Emergencies account: £150/500 CC (17/07/17): £763.42
    • uphillstruggler
    • By uphillstruggler 17th Jul 17, 10:27 AM
    • 105 Posts
    • 523 Thanks
    uphillstruggler
    Back from a weekend away. Great to disconnect and spend some quality time with my other half.

    Back to business today!

    Today I have/will:
    *check accounts
    *shred old credit builder card for closed and repaid account
    *check credit file
    *work, work, work!
    *think about passive income sources

    Hope everyone has a good day,
    US
    Finally taking control
    Emergencies account: £150/500 CC (17/07/17): £763.42
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