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  • FIRST POST
    • SnowBallBunny
    • By SnowBallBunny 25th Nov 17, 1:03 PM
    • 34Posts
    • 69Thanks
    SnowBallBunny
    Financial Freedom + Self Care
    • #1
    • 25th Nov 17, 1:03 PM
    Financial Freedom + Self Care 25th Nov 17 at 1:03 PM
    Hello everyone,

    I want to pay off my debt and move forward with my life. I'm a young woman with no children and I'm capable of addressing this, I can change things for the better now.

    I thought I'd seek support and encouragement here as this whole process can be so stressful. And although a lot of people are in debt, it's a taboo subject, no one talks about it. I'll be logging my progress here at least once a week. I plan to complete Dave Ramsey’s Baby Steps 1 – 2 by the end of 2018.

    Baby Step 1 – Save £1K Emergency Fund.
    Baby Step 2 – Pay off debts smallest to largest.

    At the moment I am temping at a University as an Administrator until mid February 2016 - while looking for a permanent role or contract role (12 months+). I would like to be self employed as a Project Management Officer and retrained late last year in order to do this work. The market is slow at the moment, and I've been approached about roles but haven't secured anything yet. I can make my company dormant for a year or two while I work at a permanent/contract role and pay off the debt.

    I'm an Artist at heart but pursuing my creativity is part of the reason that I'm in debt now so I'd like to earn more money and perhaps find time (either weekends or holidays) when I can do something creative just for myself. Once I've paid off the debt my mind will be clearer. I also considered starting a small side-business this year selling hair care products as I make them for myself but I just feel so stressed by this debt, it's hard to think about anything else.

    It's hard to not obsess about the debt and the stress has affected my sleep. I've slept 4 hours a night each night over the past two weeks. I bought some herbal sleeping pills and will do more to calm myself down and practice self-care:
    Aromatherapy - I already have oils have and know how to blend oils so this won’t cost me anything.
    Meditation – Free and there’s a Buddhist Centre near work that I can go to as well as a Chapel I can visit to relax and be still.
    Walks – I can walk at lunch time and part of the way home to begin with, 30 mins a day doesn’t feel like much but it’s a start.
    Swimming - I can swim for free on weekends within my local area.

    I find myself regretting so many decisions that I've made. I could have saved so much money while I lived at home and made better decisions. I worked so hard and didn't save, instead I got into debt. I didn't feel like I could tell anyone for ages or get any help and I've felt so stuck, defeated and alone.

    My sister is the only one who knows about the debt and I don't want to stress her out or to burden her with what I'm feeling. I don't feel like I can tell any friends or other relatives. Also I haven't seen my friends for ages and felt so isolated at my previous workplace that I really need to socialise - for free. I'll be volunteering at a local homeless shelter today.

    In five years my aim is to work as a Business Analyst. I am studying for a Business Analysis qualification and will save up for the exam as soon as I can afford to. I have the textbook and reading it is free so I think that's the best thing for me to do right now, simply study at home.

    I am budgeting and watching every penny. As I'm working as a temp, I'm getting paid per hour and receive money weekly. So I have weekly and monthly budgets as my hours can vary slightly.

    Week One Summary
    Task: Use my Debit Card only.

    I have had to use CC 1 for travel and food over the past few weeks as I was waiting to get paid, through my Debit account. As I got paid yesterday I can now switch to my Debit Card and move forward using that one card. This will stabilise the debts on the other cards moving forward.

    Debts
    Credit Card 1 £6,000/£5,944.34
    Debit Card 2 £5,000/£4,899.63 (Using this account to pay bills so it’ll fluctuate)
    Credit Card 2 £1,200/£1,186.48
    Accountancy Bill £144 (Last Payment in December)
    Tax Bill £750 (Monthly instalments December 2017 – May 2018 / £150 per month)
    Total £12,924

    Week Two Goal
    Put £200 in Energy Fund - Unexpected expenses can arise so my aim is to set aside £200 for an Emergency Fund. I’m temping so I want to set aside a 1 month Emergency Fund of £1K by January just incase something happens with this contract. Then I’ll move to Baby Step 2 and pay off the remaining debts from smallest to largest.

    Week Two Budget
    Earnings £458.28
    Bills Broadband £18.99
    Credit Card 1 Payment £150
    Travel £15
    Food £15
    Total: 259.29

    I'm not going out, socialising or doing anything fun that's not free of charge. Hopefully I can go to a free art exhibition or something like that sometime soon. The stress I've been feeling has been so draining. The University has a free telephone counselling service, I called last week and spoke to someone lovely. I'll try to call again more regularly. My minimum payments and bills are being met and now I will have some additional money to fund Baby Step 1.

    I don't drink alcohol or smoke so that's not an issue, as Dave says's I'm eating Rice and Beans, Beans and Rice until this is taken care of.

    Thanks for reading and all the best with your debt-free journeys.
Page 1
    • Lauralozzle
    • By Lauralozzle 25th Nov 17, 3:21 PM
    • 478 Posts
    • 4,331 Thanks
    Lauralozzle
    • #2
    • 25th Nov 17, 3:21 PM
    • #2
    • 25th Nov 17, 3:21 PM
    Hello

    I like the idea of working in baby steps. Makes everything much more manageable and less stressful, plus, when you hit each step it's a mini win.

    I look forward to reading your progress
    December grocery challenge £187.76/£250 | December NSD 5/15
    Credit Card 1: £145 (0%) | Credit Card 2: £2,256.06 (0%) | Credit Card 3: £787.60 (0%) Car Finance: £7,865 (7.9% APR) | Mortgage: £111,363 (3.99% APR)
    • SnowBallBunny
    • By SnowBallBunny 25th Nov 17, 3:35 PM
    • 34 Posts
    • 69 Thanks
    SnowBallBunny
    • #3
    • 25th Nov 17, 3:35 PM
    Thanks!
    • #3
    • 25th Nov 17, 3:35 PM
    Thanks for the encouragement Lauralozzle! It means a lot.

    Yes I think that mini wins will help too.
    • MeenaM
    • By MeenaM 25th Nov 17, 3:46 PM
    • 59 Posts
    • 81 Thanks
    MeenaM
    • #4
    • 25th Nov 17, 3:46 PM
    • #4
    • 25th Nov 17, 3:46 PM
    Hi and welcome! I love the name , I have also discovered the snowball effect , except i am paying off the higher rate interest ones first.

    I'm glad you are talking to some one and its easier to do that with someone like a counsellor who is totally independent as with relatives etc you end up not wanting to stress them out either!

    good luck i am sure you will get there
    Sealed Pot 11. #199Next£1170Barclays Credit Card £4891.20/4781.15- 0% ends April 2019 virgin 0% ends july 2020 £4138 4096.20AA Credit Card £860 629- 0% ends Dec 2017 Sainsburys Credit Card £521.27-511.80 0% ends Feb 2018 AIM TO BE DEBT FREE JULY 2019
    • SnowBallBunny
    • By SnowBallBunny 25th Nov 17, 3:57 PM
    • 34 Posts
    • 69 Thanks
    SnowBallBunny
    • #5
    • 25th Nov 17, 3:57 PM
    Thanks!
    • #5
    • 25th Nov 17, 3:57 PM
    Thanks for your lovely comments. Yes, I'll make my first snowball payment on Friday 1st December, it might sound strange but I feel excited. I look forward to reading your Debt diary and everyone else who responds, whenever I can. Feels good to know that there are other people who are working on this and moving forward.

    I've felt so isolated and talking to someone else helped. Between calling the counsellor, posting here and just trying to remain positive I'm going to move through this. My sister is being very supportive too.

    I look forward to paying this off, saving some money and looking back on this time - lesson learnt.
    • MeenaM
    • By MeenaM 25th Nov 17, 4:06 PM
    • 59 Posts
    • 81 Thanks
    MeenaM
    • #6
    • 25th Nov 17, 4:06 PM
    • #6
    • 25th Nov 17, 4:06 PM
    I made my first snowball payments yesterday and I know what you mean about being excited lol Glad you are feeling less isolated now
    Sealed Pot 11. #199Next£1170Barclays Credit Card £4891.20/4781.15- 0% ends April 2019 virgin 0% ends july 2020 £4138 4096.20AA Credit Card £860 629- 0% ends Dec 2017 Sainsburys Credit Card £521.27-511.80 0% ends Feb 2018 AIM TO BE DEBT FREE JULY 2019
    • 117pauline
    • By 117pauline 25th Nov 17, 7:39 PM
    • 464 Posts
    • 5,676 Thanks
    117pauline
    • #7
    • 25th Nov 17, 7:39 PM
    • #7
    • 25th Nov 17, 7:39 PM
    Hi SnowBallBunny

    Sounds as though you have a plan for the money side but perhaps everything is getting you down too?

    The mindfulness things will really help you. It can clear your mind of those horrible little devils who shout nasty negative messages.

    I would suggest you set yourself the task of creating your own self care manual. Treat it like one of your projects you would manage. Investigate all the art and music free activities in your area. This would be interesting to you as well as having something to look forward to. Then diarise the first of the month to check all the listings for anything new.

    The university will have loads of free artistic and or cheap activities. I live in Nottingham and the two universities here have some amazing events.

    Join your library for free e-books, magazines, audio books etc.

    Good luck, keep posting
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • SnowBallBunny
    • By SnowBallBunny 26th Nov 17, 10:34 AM
    • 34 Posts
    • 69 Thanks
    SnowBallBunny
    • #8
    • 26th Nov 17, 10:34 AM
    • #8
    • 26th Nov 17, 10:34 AM
    Thanks 117pauline.

    Yes, I've been feeling down and full of regret, even though I know I can't change the past. I can make better money decisions moving forward.

    The University does have events and exhibitions so that's something I can look into. My local library also has events so that's another option.

    I think that updating this thread can act as my self care manual as I can note the things that I've done to support myself.

    I'm studying for my Business Analysis certificate so I want to focus on that and get my mind off the stress.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17)
    Tax Bill £750/£600 Debt Snowball Baby Step 1 Emergency Fund: £400 Total 12,187

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 26th Nov 17, 11:03 AM
    • 34 Posts
    • 69 Thanks
    SnowBallBunny
    • #9
    • 26th Nov 17, 11:03 AM
    • #9
    • 26th Nov 17, 11:03 AM
    Update:

    I volunteered at the Homeless Shelter last night, it was a really positive experience. I helped to sign people in, allocate their bedding and answer questions they had. I did this with my sister and the rest of the team were so organised. I think that we really made the shelter guests feel welcome.

    My sister told me that in a year I can turn my financial situation around and when I've saved some money I'll be able to decide what I want to do next.

    I have been kicking myself, because I was in debt while she was slowly saving for a mortgage. I know better, so sad and frustrated with myself. But I know that beating myself up won't help.

    I need to keep myself busy. So today I'll:
    - Study Business Analysis
    - Do some laundry
    - Cook for the next few days
    - Write down some of my negative thoughts and emotions so I can be more mindful of them.
    - Listen to one positive song.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17)
    Tax Bill £750/£600 Debt Snowball Baby Step 1 Emergency Fund: £400 Total 12,187

    A SnowballBunny, hopping my way to Financial Freedom.
    • Lauralozzle
    • By Lauralozzle 26th Nov 17, 12:08 PM
    • 478 Posts
    • 4,331 Thanks
    Lauralozzle
    Don't beat yourself up, you're now making a positive plan to tackle your debt. Trying to remain positive is important.

    Visiting local library/universities for events/exhibitions is a good idea as it will give your mind something else to focus on, even if just for a little while.

    Visiting and volunteering at the homeless shelter is a fantastic thing to do! Well done.
    December grocery challenge £187.76/£250 | December NSD 5/15
    Credit Card 1: £145 (0%) | Credit Card 2: £2,256.06 (0%) | Credit Card 3: £787.60 (0%) Car Finance: £7,865 (7.9% APR) | Mortgage: £111,363 (3.99% APR)
    • SnowBallBunny
    • By SnowBallBunny 26th Nov 17, 1:17 PM
    • 34 Posts
    • 69 Thanks
    SnowBallBunny
    Don't beat yourself up, you're now making a positive plan to tackle your debt. Trying to remain positive is important.

    Visiting local library/universities for events/exhibitions is a good idea as it will give your mind something else to focus on, even if just for a little while.

    Visiting and volunteering at the homeless shelter is a fantastic thing to do! Well done.
    Originally posted by Lauralozzle
    Thanks Lauralozzle. Yes remaining positive is important. I'll be more mindful of that this week.

    It's so great to know that I'm not alone. I'm cheering you all on along this Financial Freedom journey. We're all doing something about the situation. That does mean a lot.

    Also working at the shelter was a reminder that I have a lot to be grateful for. Look forward to volunteering there again.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17)
    Tax Bill £750/£600 Debt Snowball Baby Step 1 Emergency Fund: £400 Total 12,187

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 1st Dec 17, 10:15 PM
    • 34 Posts
    • 69 Thanks
    SnowBallBunny
    Update: Snowball & Unexpected expenses
    Hi everyone,

    Friday is payday so here's my update.

    Started my debt Snowball: I have £200 for my debt snowball! I made my first payment today!

    Worked overtime, there was an event at work so I helped out, it was for 2.5 hours but it's something extra for Baby Step 1. The event went very well. Also when I have more energy I'll look at part time jobs. I need to sleep more and recharge before I do that. And start exercising again too - swimming will help to life my mood.

    Listened to two positive songs:
    The Heart Of A Champion by Troy Horne
    Drive by Incubus

    - Did some laundry, have some ironing to do this week though.
    - Cooked food that lasted from Monday - Thursday.
    - Wrote down some of my negative thoughts and emotions and did a colourful drawing to relieve stress.
    - I didn't call a counsellor, that's something I'd like to do again soon. I need to talk about this more often with someone impartial.

    I had some unexpected expenses this week.

    1) Credit Card 2 - I found out that I was being charged for a subscription that I cancelled months ago. As a result I went over the limit (without knowing) and was charged a fee from the bank. I usually check all balances daily but I lapsed this week. Refunds for the subscriptions and bank charge have been issued and both the bank and company have been contacted. I will go back to checking all balances daily. -
    £67.83 - overcharged by this amount
    £50 - paid into account to get back within the limit and leave room for the monthly interest charge

    2) I had to buy a phone card to call my Grandfather because he fell today. My grandparents live abroad. I want to get out of debt partly because I want to see them and provide them with whatever they need. I discussed the guilt I feel about this with the Uni counsellor. Another relative updated me and he's OK and looking forward to my call. I got home too late to call but I'll call tomorrow and just stay focused on paying the debt off and saving to visit when I can - hopefully next year. -
    Phonecard £5

    3) I ran out of home-cooked food yesterday and I didn't cook. Too be honest I've been feeling so tired due to the stress and resultant lack of sleep. I was meant to get a free lunch from a local charity who deliver free food for students and staff but they didn't come today, it was freezing and I didn't have a backup plan so I bought lunch. This is something that I didn't intend to do, if this happens again, then next time I'll just make sure that I have a spare bread roll and I'll make a peanut butter roll instead. - Lunch - £5.40

    4) I bought sleep pills as I have had about 4 hours of sleep for the past 3 weeks. It's made it harder to go to work, simply because I've felt so tired. I've been thinking about the debt and just how much I regret not saving. My sister will be moving out next March/April to get a mortgage and I've just felt so bad because I have worked so hard and I wanted to save and here I am dealing with this debt. I think about how much I could have saved and could have. Then I try to remind myself that I am dealing with it now and I'm in the process making better decisions and in time I'll learn about other areas of personal finance including pensions and home ownership.

    I'm saving in ways that I never have before and also reflecting on my past actions. And just looking at how I can be a better person. My LBM has been life changing and it's had a massive impact, it doesn't feel/taste good but I will use this situation to turn everything around. The sleeping pills are temporary and I know I need to de-stress so that I can have uninterrupted sleep naturally. -

    Sleeping pills £3.89

    This Weekend:

    • I'll volunteer at the homeless shelter tomorrow.
    • Do more studying, I haven't been very studious this week, time to refocus and pay attention to something other than debt.
    Last edited by SnowBallBunny; 01-12-2017 at 10:39 PM.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17)
    Tax Bill £750/£600 Debt Snowball Baby Step 1 Emergency Fund: £400 Total 12,187

    A SnowballBunny, hopping my way to Financial Freedom.
    • MeenaM
    • By MeenaM 2nd Dec 17, 10:36 AM
    • 59 Posts
    • 81 Thanks
    MeenaM
    Well done on the volunteering , it sounds like both you and the homeless people will benefit positively from that ! yay!

    Great that you have paid your first snowball payment, feels good doesn;t it and we;re off , closer to a debt free life !

    In reference to lunch , I would suggest only buying lunch where you can use a loyalty card , like subway for example, this past two weeks for work i have been able to use my points on that card for free 6 inch subs! so that has been good and perhaps you could do that and keep them as an emergency for when you cant avoid having to get lunch out
    Sealed Pot 11. #199Next£1170Barclays Credit Card £4891.20/4781.15- 0% ends April 2019 virgin 0% ends july 2020 £4138 4096.20AA Credit Card £860 629- 0% ends Dec 2017 Sainsburys Credit Card £521.27-511.80 0% ends Feb 2018 AIM TO BE DEBT FREE JULY 2019
    • SnowBallBunny
    • By SnowBallBunny 2nd Dec 17, 10:50 AM
    • 34 Posts
    • 69 Thanks
    SnowBallBunny
    Lunch
    Thanks! Yes it feels good to know that I can help out at a homeless shelter, especially at this time. It also feels good to know that I have some money to spare for my Snowball. And I know that I only have it because I have been monitoring my spending and I'm moving towards being debt free.

    Regarding lunch, I see what you mean. My intention has been to not buy lunch at all and to just bring home cooked food but I think that if it's unavoidable a loyalty card could be an alternative.

    The charity that provide the meals are usually timely so I was surprised that they didn't show up on that day and I was running out of time. Lesson learned. I'll have back up plans in future.
    Last edited by SnowBallBunny; 02-12-2017 at 11:42 AM.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17)
    Tax Bill £750/£600 Debt Snowball Baby Step 1 Emergency Fund: £400 Total 12,187

    A SnowballBunny, hopping my way to Financial Freedom.
    • Lauralozzle
    • By Lauralozzle 2nd Dec 17, 12:35 PM
    • 478 Posts
    • 4,331 Thanks
    Lauralozzle
    Well done on making your first snowball payment,

    Regarding lunch - I totally get it. You start off with the best intentions to bring something, it goes well for a few days, and then you’re caught out. Mine was s usually leaving my lunch at home or being ‘too tired’ to do it the evening before and getting up too late to do it in the morning, Always at the end of the week, without fail.

    I hope your grandad is alright.
    December grocery challenge £187.76/£250 | December NSD 5/15
    Credit Card 1: £145 (0%) | Credit Card 2: £2,256.06 (0%) | Credit Card 3: £787.60 (0%) Car Finance: £7,865 (7.9% APR) | Mortgage: £111,363 (3.99% APR)
    • SnowBallBunny
    • By SnowBallBunny 2nd Dec 17, 2:36 PM
    • 34 Posts
    • 69 Thanks
    SnowBallBunny
    Yes, first snowball payment was made. It feels good.

    Just spoke to my Grandparents, both of them are well. My Grandfather is walking again. Thanks for asking.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17)
    Tax Bill £750/£600 Debt Snowball Baby Step 1 Emergency Fund: £400 Total 12,187

    A SnowballBunny, hopping my way to Financial Freedom.
    • Tea&Kittens
    • By Tea&Kittens 2nd Dec 17, 4:01 PM
    • 170 Posts
    • 641 Thanks
    Tea&Kittens
    Heartening to read your posts, you sound really organised and positive!
    October: NSDs 6 / 17 NSDs in a row: 1 / 5
    I started my debtfree journey on 07 September 2017: Total: £20,521 £19847
    Barclaycard: £14659 £14435 Oct 2017 HSBC Credit Card : £3112 £3012 Oct 2017
    Overdraft: 350 £0 Oct2017 MBNA : 2400
    A journey of a thousand miles starts with a single step. I'm on my way!
    • SnowBallBunny
    • By SnowBallBunny 2nd Dec 17, 11:20 PM
    • 34 Posts
    • 69 Thanks
    SnowBallBunny
    Thanks Tea & Kittens, glad that you've drawn something positive from my posts. Really trying to focus on my next steps rather than mistakes I've made. It's a challenging time. So thankful for this message board and for lovely comments like yours.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17)
    Tax Bill £750/£600 Debt Snowball Baby Step 1 Emergency Fund: £400 Total 12,187

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 3rd Dec 17, 9:00 AM
    • 34 Posts
    • 69 Thanks
    SnowBallBunny
    I volunteered at the homeless shelter last night, it went very well and most of the guests (attendees) were familiar faces from last time. Also one of the guests said something lovely to me, he thanked me for being kind to him. It was unexpected and moving.

    Woke up this morning feeling stressed. I haven't seen or spoken to any friends for ages. I don't feel like I can confide in any of them about my money situation. But surely it's better for me to at least see people to socialise. I'll message people this week, just to say hello. I've been making more of an effort to chat with people at work too and I've been invited to have lunch with someone at work on Friday, I'll try to just have home cooked lunch with her - packed lunch style.

    I really must call the Uni helpline today to speak to a counsellor. I'll also write down my thoughts/emotions.

    Don't want to confide in my Mum because she'll worry. I feel like I've finally woken up to this situation, it's tough but I will turn this around.

    I'm meeting with two recruitment consultants, one this week and next week. And I need to call and make more contacts so I'll update my CV and call/contact people.

    Lastly, I want to improve my sleep so if I meditate, swim/walk that should help. I'm also looking at evening shifts waitressing at events. That would help me make more money and socialise more. I'm not going out or spending money on entertainment so I could just go and work at events instead.

    *Sigh* I just need to stop panicking and focus on my goal.

    Thanks DFW! You are all so lovely.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17)
    Tax Bill £750/£600 Debt Snowball Baby Step 1 Emergency Fund: £400 Total 12,187

    A SnowballBunny, hopping my way to Financial Freedom.
    • SnowBallBunny
    • By SnowBallBunny 3rd Dec 17, 7:16 PM
    • 34 Posts
    • 69 Thanks
    SnowBallBunny
    Break the cycle of negative thinking.
    I need to break the cycle of: negative thinking, worrying, thinking about how much I regret this situation and how guilty I feel. The truth is that I know that I can and am turning this around.

    Practical Steps
    • Gratitude
    • Swim
    • Do Something Creative
    • Make more money: Apply for waitressing/event work

    I'm really going to make the effort to refocus on 'gratitude' and feeling grateful for what I have. I usually have that frame of mind, over the past few weeks I haven't, I've been worrying. And that is draining.

    Gratitude lists are helpful, I'd like to do them more often. Not sure if anyone else on DFW does them, if so, do mention it. Do tell me . Writing down or simply thinking of 3 or 5 things that you're grateful for in the morning or at any point in the day - that's been very useful for me.

    Gratitude List
    I am grateful for:

    Having a safe, warm home to sleep in.
    Family members who love me.
    My ability to write and express myself.
    My ability to cheer other people up and show them positive solutions to challenges that they face.
    Access to a forum like DFW where people can be open about money - which is such a private and even taboo issue.

    I think that a lot more people are dealing with this issue than any of us realise.

    Also I want to swim, once a week would be great.

    Goal this week: Do something creative. Go to an exhibition or take photos on my phone during lunchtime. Sing songs at home. However small, I want to do something creative.

    Make more money: Apply for waitressing/event work.

    NB: I really wish I could just get a Project Management contract through my business, I could pay the debt off it a MUCH shorter space of time, improve my CV and move on. I'm applying for these roles alongside perm roles. I think that patience is something that I have to employ during this time as I press forward. I want this thread to be about actions and progress not complaining. I can do this, WE DFW can do this.
    Credit Card 1 £6,000/£5878.86 Debit Card 2 £5,000/£4747.63 Credit Card 2 £1200/£960.66 Accountancy Bill £144 (Last Payment 14.12.17)
    Tax Bill £750/£600 Debt Snowball Baby Step 1 Emergency Fund: £400 Total 12,187

    A SnowballBunny, hopping my way to Financial Freedom.
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