I WILL be debt free by 27th September 2009

saver03

I was updating my signature and thought I would just add a little update.

Well I am tired as I worked full time this week at the Odeon and I was doing college work too so it has proved very exhausting I am spending the day doing college work as per usual and I am just taking a quick break before I go crazy.

I am a bit worried about my health though as my skin is really bad which is generally a warning sign I am over doing things. I am not too sure what to do though as I want to stay at college and also do really well as I have paid to do this course but more importantly it is what I really want to do. But then I can't afford to leave work due to being stupid with money in the past and racking up all the debt. I really want to achieve my debt free date and ideally I want to have some savings before I go to drama school but I don't want to risk my health. I may talk things over with work and see if I can reduce my hours slightly and see if that helps. I really do think sometimes that it would be best to give up work and just concentrate on college

saver03

My mum is an absolute :A she has knocked £3000 off my debt as an early 30th birthday present. So now I owe £6000 :j so I should be paying £545.45 a month which isn't too bad as I am paying off £500 a month already. I should definately be able to reach my DFW date and if I try really hard should be able to save a bit for drama school/university. (fingers crossed)

I am still working hard, if not a little too hard, at the Odeon. But I am struggling to get college work done as well. If only I didn't need sleep :rotfl: I am not sure whether to speak to work about reducing my hours as I don't think I can carry on like this. I really don't want to risk my health as I feel that should be my number one priority.

Well I must dash as I am just taking a break from college work and I have loads more to do, plus I am covering a shift at work 6pm-10pm.

ANY advice is greatly received :money:

saver03

I was updating my signature and thought I would just write a little something.

I am still struggling to fit everything in, and I am feeling very stressed at the moment :mad: I have so much college work to do and I just don't know if I can get it done in time :mad: I am thinking the best thing to do would be to talk to someone at work and see if I can maybe reduce my hours as I don't want to give up my job as I do like, well most days :rotfl: , and we also need the money.

Well I have had my 5 minute break so I better get back to it :mad:

saver03

Thought I would take a little break from college work and write a little something in my diary to keep my motivation up.

I am still finding it hard to juggle college, college work and my job :mad: I have so much college work that I need to catch up on and what with the end of term fast approaching I am starting to feel the strain of all the assignments and performances due

I have wrote a letter to work explaining about my health deteriorating and how I will need to reduce my hours so I will just have to see what they say. I don't want to have to give my notice in but I can't risk my health either. I don't want it to come to a stage where I can't work or even go to college because I am ill. Plus, I need to dedicate more time to my college work to ensure I get the distinction grades that I want. I feel there was no point paying so much and doing the course to not put the work in and barely scrape by.

Well I must dash as I have lots to do for college tomorrow and not enough hours :mad:

saver03

I am not in work today so as usual I am doing some college work :mad: sometimes I wish I just had a day where I could do nothing. Unfortunately, I do not have that luxury as I still have so much college work to do. Plus, it has been getting a lot more intense as the units are coming to an end and we have more assessments and assignments to do as well as day to day work

I now only have 2 days a week at work so hopefully my health will improve and I can get caught up on my college work. The only thing that concerns me with that is the money. I really do want to reach my debt free date and I am well on target to do that as long as I stick to my budget.

I also need to get organised for Christmas as it is only a month away :eek: But we have saved up over £100 of Morrisons saver stamps so hopefully can get the majority of presents from there.

savingholmes

Saver - it looks like you are trying really hard to be debt free. It is good to have goals and I am sure you achieve a lot more by having them than you would if you didn't have them. You perhaps need to balance it a little by not putting too much pressure on yourself. It sounds like reducing your hours at work should help you get a better balance. Just wanted to wish you luck!

saver03

We have nearly finished our Christmas shopping :A but it has been a lot more expensive than I thought :mad: I hadn't really noticed the credit crunch before but when shopping in Morrisons the other day the prices seemed to have dramatically increased and what with my not working as much as I was last year Christmas is a bit of a worry for me. It doesn't look like we will be participating in any festivities over the Christmas period :mad: I will be off college for 2 weeks so I will be doing some extra hours at work but won't be paid for those until the end of January.

I am feeling very stressed about money, I don't go out anymore as I am too busy with college, work and college work but yet we don't have any money My mum says I can pay her less each month but I really want to reach my DFW goal so don't really want to do that.

I must just stay focussed and positive on my DFW journey as there is not too long to go and don't want to get disheartened as I have been pretty well
Just realised it has been just over 2 yeas since my :idea: and my debt is definately going in the right direction.

ANY ideas and advice are GREATLY received or maybe I just need a kick up the bum :rotfl:

saver03

I have been feeling a bit sad all week so thought I would write it down on here and hopefully gain some perspective and get my head sorted.

Think I am stressing too much about money or the lack of it at the moment. Christmas has proved more expensive than I thought but I think it is just because I am earning less money than last year. I have also been working out how much it will cost to apply for uni/drama school and it's bad :mad: I have to pay audition fees just to be seen and that doesn't even guarantee anything :mad: If I get auditions to all the places I apply it will cost me £313 just to audition and that doesn't include travel and accomodation as most of them are in London and I live just north of Manchester. It worries me I could audition, spend all this money and still not get a place _pale_

I am also stressing with college as we are coming to the end of the units and we have lots of work to do and I just don't have enough hours in the day to fit it all in. :mad: I just need to get organised and worked by ar*e off, get it all done and have a little rest over Christmas. But I have agreed to do extra hours at work over Christmas, just hope they don't give me too many.

I also have a ridiculous crush on my teacher at college and it is completely messing with my head and find it hard to be around her. I am engaged and she has a fella, but she always finds reasons to touch me whether it be rubbing my arm or face and has even kissed me on my cheek twice I am thinking maybe she is just a very tactile person but she doesn't do it to the others, ARGH!!

Well I must go and get busy as LOADS to still do :mad: but it was good to unburden myself.

Please feel free to kick me up the bum and tell me to stop feeling sorry for myself :rotfl:

saver03

I have a cold and feel like crap :mad: but at least it didn't come on whilst I was still at college as I had so much work to do and it would have been such a hindrance.

I am still stressing about money as we just never seem to have any :mad: but I will hopefully get more hours at work over Christmas so at least that is something. It will also stop me going out, therefore saving more :rotfl:

I do have bits of college stuff to do whilst I am off but if I start now I can just do it gradually and not in some mad rush the Sunday before I am due back! I just want to make sure I stay up to date and not get myself stressed out by it all. Also, if I can get caught up on my work I can hopefully go back to doing some ebaying again as I have about 20 boxes of stuff to list :mad:

On a positive note at least my debt is going in the right direction :A

beanielou

You are doing so well on the debt front but please dont overdo it.
Do you just worry about college & money or other things as well?