First one to clear 15k gets a paper hat

CAFCGirl

I love ol Benj Fry!
I'm sure there are deeper rooted issues relating to my over spending, in particular low self esteem, but I'm a little bit too scared to give them any serious thought.
I think most of it came because I didnt care about myself for a long old time, from when I was at school, I was always the one who had "Great intelligence, if only would apply self, could go really far", so what did I do, bunked most my A Level lessons, still got good grades, never went to uni and worked in retail because (to be perfectly honest) it was easy for me. Spending money and getting credit was also easy as well but now I've learnt I'm a bit more valuable than I thought I was, and want to improve things for myself and eventually do all those things I never thought I was worthy of...(think it also stems from having a very very intelligent older sibling, who I love but I never thought I could match up to, so never tried)..... and thats about as deep as I've ever thought about it LOL

As for the food thing, I buy so much food in a attempt to fatten myself up. I know I'm a minority on that, but I've constantly been underweight (according to my BMI) and no matter what I do, I cant get over that line. Most people tell me I should be happy that thats my problem, but its all relative to the individual.... we all just want to be a healthy weight.

Anyway enough of that drivel!
Dooyoo is my target today, I'm aiming for 35k by the end of the day, although am just going to wrap all my xmas presents that I finished buying today....

Having quite an upbeat day so far..... and looking 4ward to being able to BT my CC

too_much_debt

CAFCGirl, I'm a skinny person too, doesn't matter what I eat I never put weight on, I did have a main diet of fatty food (probably why I got gall stones).

Most of my credit card debts is down to

1. Buying stock for my Ebay business to keep up with the other Ebayers who sell the same stuff.

2. Buying the kids and family birthday presents and Xmas presents, doing a weekly shop on it (for a long time bf paid all the bills and I paid for the shopping but had to put it on a cc as I never had enough money).

3. Bought a laptop with it nearly 2 years ago and it's still sitting around not being used (must set it up over Xmas if it's still working).

That's all I can think of at the moment.

I have an ultra intelligent older brother, he has a good job working for a Swiss Bank, I never felt that I had to live up to anything though, I'm so happy that he is doing so well, he is a great brother, the last two Xmas' he has bought my bf and myself tickets to shows in London, this year we saw Joseph and last year Sound of Music, when he worked in Switzerland he paid for us to go and visit him and gave us spending money, even when he worked in Australia he paid for our flights out there and our spending money (me and my mum and dad that is not bf).

I had the opportunity to go to University but didn't want to.

Went to the Woolworths sale today and it wasn't very good, thought they would have toys with 50% off but they only had 20% off so I didn't buy anything as I have my kids presents just thought I'd grab a bargain, so I only spent £17 on a couple of things and Xmas cards and two Amaryllis plants £3.50 each (were £5.00).

tirlittan

Ooooh, we are getting deep now. Thankfully I'm at work and have no time to ponder that deep, but similar issues to you CAFC, so I know where you're coming from. Sold an item on ebay today for £7.93 profit,very pleased with that. Also selling my scuba diving regs. I have 30 people watching, but I have a reserve of £100 on them so hoping a bit of a bidding war will ensue and ensure my reserve will be met. Fingers crossed.

clearmydebts

That would be a nice bit of money Tirlittan so will keep my fingers crossed.

My debts came about from keeping up with the Joneses, living in an old flat and having to do it up and also from going on lots of holidays.

The holiday bit I don't mind too much because I had some wonderful times and am quite well travelled now but the other bits have prevented me from travelling even more. I would have loved to spend a month in Cuba this Xmas but of course that isn't going to happen.

I am embarassed that I tried to keep up with other people and am over that now. Most of my friends are at completely different stages in life to me, but that's okay. I have accepted that and am quite happy where I am and the life experiences I have had (give or take a few things) and I don't think I am necessarily behind them in anyway, I just have taken a different route. I think it's good to be at peace with yourself and not get caught up in the rat race. It has certainly taken a lot of pressure off me!

Well done CAFC on getting the balance transfer.

CAFCGirl

too_much_debt wrote: »

CAFCGirl, I'm a skinny person too, doesn't matter what I eat I never put weight on, I did have a main diet of fatty food (probably why I got gall stones).

Most of my credit card debts is down to

1. Buying stock for my Ebay business to keep up with the other Ebayers who sell the same stuff.

2. Buying the kids and family birthday presents and Xmas presents, doing a weekly shop on it (for a long time bf paid all the bills and I paid for the shopping but had to put it on a cc as I never had enough money).

3. Bought a laptop with it nearly 2 years ago and it's still sitting around not being used (must set it up over Xmas if it's still working).

That's all I can think of at the moment.

I have an ultra intelligent older brother, he has a good job working for a Swiss Bank, I never felt that I had to live up to anything though, I'm so happy that he is doing so well, he is a great brother, the last two Xmas' he has bought my bf and myself tickets to shows in London, this year we saw Joseph and last year Sound of Music, when he worked in Switzerland he paid for us to go and visit him and gave us spending money, even when he worked in Australia he paid for our flights out there and our spending money (me and my mum and dad that is not bf).

I had the opportunity to go to University but didn't want to.

Went to the Woolworths sale today and it wasn't very good, thought they would have toys with 50% off but they only had 20% off so I didn't buy anything as I have my kids presents just thought I'd grab a bargain, so I only spent £17 on a couple of things and Xmas cards and two Amaryllis plants £3.50 each (were £5.00).

I think you should get that laptop out ASAP!
I practically had mine out the box in the car on the way home from Currys:rotfl:

I went into Woolies as well and was really disappointed, I didnt actually see anything that was 50% off, lots of 10%, and 20%. Got some sweetie bits for stocking, and a wine corkscrew/stopped set for £1.60 which was my bargain of the day, but that was it!
Plus everyone in there was really miserable (staff wise) although admittedly not fun if they are all facing losing their jobs but its not the publics fault really:o One woman asked where something was, and staff member said "up one of those aisles I suppose", I mean thats just rude!

Ive got a glass of coke and a bag of frazzles as a reward for wrapping all 26 presents I got....:eek: best part though, is that they didnt cost me more than £50!:T

CAFCGirl

P.S Also noticed a running theme of over achieving siblings, perhaps we're all rebelling inside.......?

tirlittan

Thanks CMDOh, just typed a long reply and lost it…Thanks CMD. It would be a good bit of money, not sure yet if I’d put it all towards my student loan or put some towards my holiday fund for next year. Decision, decisions…But I don’t have the money yet so better not think too much about it.Oh well, I guess it’s my turn. I got into debt by spending too much whilst at uni. This was affected by going out with an older bloke who earned about £50K...After uni I worked and saved to go travelling and we split up. I spend more than I afforded whilst away and after coming back only got a minimum wage job in London. Got back together with my ex and had 4 months off work as was trying to find that ‘dream job’ which never materialized. So back I was in a same place, but ended it with ex for the last time as it just wasn’t working. Moved back to my home country, but had to rent a place and couldn’t find a full time job so got even deeper into debt. Then I found out that I was supposed to have paid my student loan for a year already, but they’d had a wrong address and I never got the info, so already had loads of interest on it cos hadn’t paid any off. So 2 years ago moved back to Uk and then to Wales and started realizing that the debt wasn’t going anywhere unless I took the bull by the horns. This year a friend send me a link to this website and I’ve found it extremely useful. I know I could do more, but at least I’m living on my own money again, not borrowed and slowly, slowly paying my debts back.

tirlittan

Maybe we're are. My big sis was never an over achiever, but she did what she wanted to, when she wanted to and I guess she was considered more the brains and I had the looks. At least some people said so. And she is clever and I used to think better than me, but now I know better. We are both good in our different ways. But I was the first from our family to go to uni (and abroad for that matter thought it was never really planned, it just happened), not that it did me much good.

too_much_debt

Yes I definitely need my laptop working, will get bf on it over Xmas. We have a Wireless Router thing too which needs setting up would be good to be able to access internet from anywhere in the house.

CAFCGirl

tirlittan wrote: »

Maybe we're are. My big sis was never an over achiever, but she did what she wanted to, when she wanted to and I guess she was considered more the brains and I had the looks. At least some people said so. And she is clever and I used to think better than me, but now I know better. We are both good in our different ways. But I was the first from our family to go to uni (and abroad for that matter thought it was never really planned, it just happened), not that it did me much good.

Ooooh thats just hit on the head for me I think.... I dont begrudge my sister anything at all, and I love her to bits but I definitely struggled with knowing what I wanted to do with my life, so wandered aimlessly and ended up not paying much attention and not really care...
Whereas my sister had a plan , knuckled down and did it.... I'm a bit envious over the direction she's had in life, but I'll get mine later.....

Late bloomer me :rotfl: