The 'I want it NOW!!' debt/savings thread

CompletelyLost

Thanks Amy

Mariagti - I know you're right, I'm just having a bad day I guess. I really want to go and enrol at the college tonight... I'm so scared though, stupid anxiety stopsme from doing everything. It's the same college I was at two-years ago and I know all my old lecturers will be wondering why I'm not at university anymore and that I'm back to square-one. I wish I could come back to this thread in a couple of hours and be able to say I have enrolled... Blah, it's silly really :rolleyes:

I should be happy, though. I paid off the remaining £2K student loan in July and now have a nice little chunk of money saved. Things just aren't happening quick enough for me!!!

**Amy**

wow well done you on paying off your student loan, and havnig savings! :T

Have you tried setting yourself small goals, and not looking at all of them together.

Thats what helps me. I am focussing on my interest paying debt, then it will be other debt, then savings for a car, then savings for deposit for a house.

You will get where you want to be, if you actually want to be there.

xxx

mariagti

CompletelyLost wrote: »

Thanks Amy

Mariagti - I know you're right, I'm just having a bad day I guess. I really want to go and enrol at the college tonight... I'm so scared though, stupid anxiety stopsme from doing everything. It's the same college I was at two-years ago and I know all my old lecturers will be wondering why I'm not at university anymore and that I'm back to square-one. I wish I could come back to this thread in a couple of hours and be able to say I have enrolled... Blah, it's silly really :rolleyes:

I should be happy, though. I paid off the remaining £2K student loan in July and now have a nice little chunk of money saved. Things just aren't happening quick enough for me!!!

You sound just like me! I am the same, i have no confidence in doing anything new. I wont even go bowling as i dont want to be laughed at as im worried i wont be able to bowl! :rotfl: I was also to worried to go college when i was 16 and left school, i was enrolled but then dropped out before it started! Im now 25 and still the same, but now i force myself to do things that im worried about. E.g Every weekend i try to do something that i dont like doing coz i get worried/scared.
I dont mean to be harsh CL, i feel for you as I know its hard when you have no confidence and suffer from anxiety but its only you holding yourself back.(someone said that to me once and it really helped kick my bum in gear thats why im saying it to you) Do you have a partner or friend that can help support you and go with you to enrol? I know its hard motivating yourself when you feel worried about things.

Well done for paying your loan and saving!:)
mariagti:A

yukkibear

Hi CL, I agree with Amy, try taking it a small bit at a time. I am afraid of a lot of stuff and if I can get away with trying new stuff I generally do. I always escape courses with work etc as I am scared of going on my own, and I sweat and worry when I think about having to do it. I am in the same job I love but hate because I'm too scared to get a new one. I don't take dd2 to baby groups because I don't want to sit on my own and feel like a lemon etc.

I can't believe i wrote all that because I can appear very confident when I want to bt I shy away from a lot and am happy being at home on my own which isn't god for my social life lol.

Ok confession over, I hope that helps you feel as though you're not alone as marg said above too. It's sooo hard and would be so easy to crawl under the duvet and hide, but it feels great when you achieve something little that you wouldn't do beforehand.

mariagti

Me too yukkibear, I have a poo job, i know i need a new job but im scared of starting new jobs as i hate meeting new people incase they dont like me or dont speak to me! I worry that i would leave my job and hate the new one then leave there and have no job at all!

jenjade

wow what a busy day on here!!
i took dd to my mums to i can feel like crap in piece and had a cat nap at mums lol

well done on the star amy!
well done mm on you signature very impressive!! i can't wait till thursday to update mine!!! so so so so exciting

yukkibear and mari- i think we are all differnent online i am also very shy and get really panicy and nerious! but when i am online i love it becaise no one knows me and i can start threads and have loads of mates unlike in real life!

however i have improved so much over the last few years! dd has helped that and work. i now run parent/ carer groups with under 5s and it is part of my job to say hi to new parents and welcome then to prevent the parents who come and spend the whole session sat alone it is my job to get other parents to chat to them and make them welcome. i very often go red and sweaty and feel sick but i have to do it...

i love it but some days i just think i can't do this..

i am feeling very unsure of my future with work at the moment because we are starting a parenting group for me and a work collegue to run it will be 15 parents and kids and the two of us will have to plan activities and do stuff as a whole group which i find really really scary in fact i am thinging about leaving although i know i should just do it and get used to it as it would help me so much!!

sorry guys rant over

jenjade

mari where did you get all the vouchers for christmas??? you have loads well done

moneymabel

wierd how we are all the same! I had depression a few years ago and still get panic attacks and am very nervous about anything new. It took a hell of a lot to learn to drive but I'm so glad I did it. I still get out of meetings etc coz I don't like being forced to do new things.

jenjade

i know an overwhelming amount of people are like it and hide it so well most the people i talk to that come in work have some major issues with new places etc! i also do home visits i go to peoples homes after they have had a baby tell them about the groups we run and then they will know me when they come i also meet them if they are really worried i can meet at there house and walk with them there etc. they are all lovely normal people but confidenance and anitey can ruin peoples lifes!

on another note i just noticed mbm are not paying till the 3rd sept not the 2nd so i don't think it will be cleared this week for my debt.

oh and i have had a no spend day!! yeah thats 2 done

moneymabel

oh that's a pain Jen- still next week is still good!! I've managed another nsd- only 19 to go!