Slaying my debts, the second year

penguin83

Wow Buffy that sounds like a mad busy week! As others have said babysteps and you will get there. Make sure you fit in some time for you - a nice bath or something and enjoy seeing your friend.

x x

chevalier

ref the loan. I would not usually suggest this BUT would it be worth looking into getting a loan over a much longer term to pay off your existing loan with. Bear with me. Ok we both know you would pay more interest, BUT if it means that you could get a lower paying job either in teaching or not NOW, would paying the extra interest be worth it, to get out of this horrible job?


OR find a job you love, no matter what the wage is, though realistic is good. And then once you are on it a bit go to CCCS or Payplan and go on a DMP? That way you are still paying your debts off but more slowly in a structured way, AND you out of the job you hate earlier?

Just a couple of thoughts.....
chev

Buffythedebtslayer

Oooo Chev! I wondered where you had gone!

I have been over and over the money. The interest on my loan is 7.66 and any new loans would be higher.


I did think about jacking it in and going on supply but there is not much supply about.

And realistically I should just suck it up. The kids are good.

I am so tired, I would write more but can't think straight now. tutoring was good.

good to hear from you Chev, if it does get worse my resignation letter is written!
xx

Buffythedebtslayer

Oh for !!!!'s sake.

Yes I know I am meant to be all positive and bloody cheerful. I will probably just delete this in a minute cos I feel so sodding guilty.

the !!!! has hit the fan at work, which means I should be in tomorrow doing my thing but I can't go cos I have driving lesson booked which I CANNOT sodding cancel. plus the other girl I work will go in and take over and get all the bloody credit which makes me furious. cos she always does.

then I have my OU exam in two weeks. - I was going to revise/work this weekend

but I can't cos of !!!!!! stupid work.

so once weds is over instead of relaxing I will just get busy with the studying and panicking.

and i won't have enough bloody time.

and why I am so far behind in OU cos I spend all my time watching tv and keeping mum company. I love Mum. I do but tonight I wanted to go to bed early, am so tired. but instead we watched tv. I had a panic and started doing some school work. she asked a few questions and of course hit a nerve. I mean I cannot believe everything has happened at once. and so I explained this to her. I am really stressed here!

And I know she means well but she basically told me it would be too hard to do OU and to get to the exam and was really negative about it all. I can never just get stuff off my chest, what out having to deal with her reaction. which is always overprotective - AND I know this I am thirty two for !!!!s sake I have it all worked out honest. I just, when I am tired and she wants company it is easier to sit here and mong in front of the laptop/tv then it is to do stuff for an hour and then go to bed.

but i am in this position because I chose to stay here and I know I have cocked up my life for the time being, god who I am kidding. its screwed. and its all my fault. I made these choices.

my little chink of light is getting debt free cos I would be in such a better position then. I have no freedom now. She is lovely and I love her, but its so much harder then I realised.

Lula-Hula

Hey Buffy,

Hon, you sound stressed to the max & really bummed out too vent away it really helps just to type furiously for a bit :rolleyes: .

You have not cocked your life up, you're going through some 'character building experiences' .

Yeh, all the cack does hit the fan simultaneously at 90 mph, BUT you WILL get through it & usually there will be something valuable that you learn along the way.

Sorry I cant be more constructively helpful but if you feel the need to string a whole line of swear words together then feel free to direct them at my PM box

In the meantime have a great big if somewhat dodgy one of theese : :grouphug:

Lula x

Buffythedebtslayer

thank you Lulaxxxx

well after getting that off my chest I felt a lot better.

I will get through it. yes life isn't especially great at the moment but it has been worse. and I handled that. so right now its fine. I just need to vent occasonally. I do feel like I am coming out of sometihng tho? that I am beginning to change and realise and grow up. only beginning to mind you!

some VERY good news. My driving instructor is the kindest person in the world. she said I didin't have to drive today! so i can go in to work in a sec and get to grips with my room and some sorting! It is such a relief.

I nearly cried when my instructor said, honestly I don't think I realised how stressed I was. so today I go to school, tonight and tomorrow I do OU. it is such a relief to know that I am free now and can work.

just need to sort out some lunch of some description.

ho hum have a good day people xxxx

RosaBernicia

Hi Buffy just found you here, was wondering what you had decided re. work and driving etc. Glad you are sounding a little more positive so more dodgy hugs from me! :grouphug:

Rosa xx

Buffythedebtslayer

Thanks rosaxx work is difficult but my letter is written and if it gets too bad I will give it in, the decision is made it is just a matter of time!

pretty good day today.

worked from 11 till 4, room is a bit more organised have some wall displays and sorted out two drawers of my filing cabinet got shot of a bin load of rubbish and made sure my room looks good!

Came home had a chat with my Mum and Sister then cleaned out the pets and cleaned my room, changed my sheets.

That means I will only have school work to finish and OU and a bit of filing. I am going to try and get an early night. already fed the gang and only have to put on Pj's and shut my eyes bliss........!

I love getting into bed and having clean sheets!!

also I only spent 3.20 today!!!


xxx

Buffythedebtslayer

Ofsted was awful.

but it is over and we did good.

I have had my payments go through today which is nice, now I owe £16,288.96 on my loan.

and I can't get access to my CC bill, but it will be the same as my sig.

xxxxx

beanielou

Glad it was a good result Buffy & yah to another loan repayment down.