First one to clear 15k gets a paper hat

doodledo_2

Oh god hun that's awful. So will you look for another or will you hold out?

This bloody credit crunch has so much to answer for :mad:

clearmydebts

CAFC,

I'm so sorry to hear that. I really hope that you don't lose your job. You always sound like you love it. I will keep my fingers crossed for you.

My sisters boyfriend was told last week that he is being let go tomorrow. He is an electrician. They are very worried as they have quite a big mortgage & I don't think my sisters wages will cover everything. As far as I know they aren't in debt, but who knows, as far as they are aware I'm not either (and obviously I am).

CAFCGirl

im in 2 minds.
I'd get redundancy pay as I've been there 2 and a half years. Plus, and I dont know if this is wrong or right of me, i dont actually want to leave it till the doors close, I've been with my shop since its first day, and given it everything really, and i love my job, and I kinda want to see it through to the end, if it has to end......
But Im now just worried I wont be able to get another job with any kind of security, and then theres the money situation, like if we didnt have any debts we could cope for a few months on one salary, but thats not going to happen....and today Ive just felt really sad about it all...

too_much_debt

CAFCGirl - sorry to hear about your job situation, it must be sad if you have been there since it opened, hopefully things will be OK at least for a good few months.

It is awful worrying about where to get money from to pay things, I have that as my bf is paying on 2 cc that are his mum's (not sure if I mentioned it before) so I can't ask him to help me out if I'm stuck, I've managed OK so far with Ebay but am expecting the next month and a half to be quiet and I always find it a struggle to find the £165 minimum payment for my Barclaycard, I wish his mum would get the money back she is hoping for so she can pay him back, I wish he'd never lent her the money but she said it would just be for a couple of months and then she would pay him back and it's been about a year and a half.

I hate having money worries, I was upset earlier (bf fault) and spoke to my Mum and she was worried about me and when she rang back later she asked me if I needed any money and could she slip me some at the weekend when they bring presents up but I said no I was OK, I would die if they knew how much I owe on my credit cards, think my Mum would have a heart attack. I so wish I had £17,000 in savings rather than owing, how stupid was I to get in this situation, I could really kick myself sometimes when I think how much profit I made when I sold my house and it's all gone now as I had to use it when I gave up work to have my kids and I can't get a job as bf works shift work and 2 weekends a month.

CAFCGirl

Yeah thats my worry....
I just dont deal very well with stress and I can feel it starting to get on top of me even now, and Im trying to stay positive, thinking I've got at least 2 more pay packets I know will come in, and then it'll be month by month from them on I think...

I just wish I'd never got a credit card.....wish DH had never been forced to give up his previous job, wish he had got his fire service job, and basically that most of the past 5 months had never happened!
Anyway I'm getting a tad upset with myself now and DH is giving me questionning looks at why im welling up on the laptop.
Sorry to bring the thread down everyone, as you're all doing really well and deserve a great Xmas xx

poorandindenial

CAFCGirl, I am so sorry to hear about your job, fingers crossed for you, if there is anything that we can do just yell (and obviously we are always here for you to vent at when you need it)

I don't thnk it sounds wrong that you want to stay with your job until the end, in some ways if it does close down you will have to grieve for what the job was to you. You could keep an eye out to see what other options there anyway though, you don't have to take them but if you know how things are in your area then you are ready and prepared to make a decision whatever happens to your job, you could even get in a bit of interview practice while you are still working so that you are super ready if the bad thing happens.

tmd, sorry that your evening has been so horrid, it was lovely of yur mum to offer to help though (even if she doesn't know the full picture) and that must have given yu a warm glow.

We really are all going through the wars aren't we. We really don't need all this at this time of year but everything is so stressful and expensive at Christmas that anything extra just feels like the biggest kick in the teeth doesn't it.

The thread has gone from the paper hat challenge to a support thread, although I do think that they are linked, we have a better chance of meeting this challenge if we are feeling more positive, I know I have been a bit wayward with my spending of late and I now it is my reaction to all the stress and I probably would have been worse if it wasn't for this thread and some of the others that I post on on here. Lets all get through the next month or so and then it will be paper hat here we come :T

CAFCGirl

v.true.... apologies... will wear my positive hat tomorrow I promise xx

poorandindenial

CAFCGirl wrote: »

Sorry to bring the thread down everyone, as you're all doing really well and deserve a great Xmas xx

No, no, no - the thing I really like about ths thread is that it is a sort of holistic debt resolution package all neatly in one thread. It has got the competition of the challenge to tackle the debt but the level of support on here goes much further which motivates me all the more for the paper hat (as if the paper hat wasn't reward enough ). This is my favourite thread on the DFW board and the one where I feel most at home

And anyway, you were there when I was sounding off about OH last night (sorry everyone) AND it is your thread so you can do what you want with it;) AND we all think you are great:D

savingholmes

Really nicely put PAID.

CAFCGirl - my offer on my pm still stands... You want any help -give me a shout... Over the xmas break would be best for me. I only finish lunchtime xmas eve... at parents xmas day, then oH's family boxing day - after that I should be free to help...

Doodledoo - hope you are doing okay...

Well done to all those still clearing debts...

too_much_debt

CAFCGirl try not to worry too much just yet, at least you know it 'might' happen and can try and plan for if it does, I know I'm not going to be getting tons of money coming in so am more determined to cut out all the chocolate, biscuits and junk I buy a lot of, good thing about not selling anything on Ebay for me is that I don't have to go out, hence don't end up in Iceland, hence don't buy lots that I don't need, I'm going to stick to a weekly shop for food for me and the kids and stick to it.

I 'know' we can all do this and be debt free, maybe not in the next 12 months but eventually and we know we will never ever get into this situation again, I feel for all the people who haven't realised yet how much debt they are in or who will end up in so much debt in the future. Once I've cleared my debt I will still come here and instead of trying to pay debts off I'll be trying to save a large sum. It's so great being able to come on here and read all the posts and see that there are people worse off and that people who have owed so much money have paid a lot or all of it off so it can be done and I'm more determined now than ever to chuck every spare penny at my debts.

CAFCGirl just think of that adorable puppy who will be with you real soon who will give you lots of cuddles when you are feeling down and will be there no matter what, pets are great and I miss my dog so much as I could always tell him my problems - he really was my best friend.