Buffy's 18 week credit card free challenge

GeorgeUK

A most excellent post Urg.
Sound advice with wisdom behind the words.

You may not feel fully motivated right now Buffy, but you definately haven't been idle - how many people have told you to slow down on here?

I agree it's time to spend more money though - get a nice spending diary and use it. If you don't know where you are spending the money, then this will also sotp you worrying when you do spend and you'll soon be able to shoar up any holes in the wall.

Edit: Oh yeah, forgot to ask. Have i missed something somewhere?
You have a female boss now? Is this a 2nd job or something?

Buffythedebtslayer

Yep my second job and I have a female boss. male boss in main job is still a huge !!!!!!. It is nice being off but I can't believe it is wednesday tomorrow.

I have got hiccups. God they are SO annoying.

nope can't type any more. ouch.

xxx

Buffythedebtslayer

When I first came here I didn't really have a light bulb moment as such it took about a year - last September when I woke up. I spent money on the dentist and driving lessons and my debt was about 24,000. I have stuck to the repayment plan as far as the loan is concerned but haven't paid off enough of the cc. my current debt is 15367 but there is an over payment in between banks so it is more like 14940?

Unfortunately I am going to lend my Sister some money. She is in trouble and I feel it has to be done. It will be about 2000 pounds. I don't really want to discuss it, I know people may think I am wrong/stupid/soft etc. I just decided that I would lay down my life for my Sister and in comparision 2 grand doesn't seem like a lot. I am just being upfront cos otherwise none of my sums will work!

Any how this big bump will need some serious sorting and I need some discipline so it doesn't completely screw up all my plans.

I also need to look seriously at my life and where it is going, but since it is nearly quarter to four and I need to be at work soon that is a whole other post!!!

xxxxxxxxxxxxxxxxx

Keeping_Positive

Family is family so I cant blame you at all Buffy. Hope you are able to stick to/work out a new budget easily.

beanielou

You will get there hun.
You have paid off 10k in 9 months which is so fab(only a teeny bit jealous:p)
Do any of us actually know where our life is going?

LouiseJ

Buffy your sister is very lucky to have you:A

urg123

Hi

I agree with the others - family is family. 'Nuff Said!

Don't beat yourself about it. One think I might do is allocate that to a separate debt - i.e. not yours. Work on paying off your debt and hopefully the other debt will be paid off alongside it.

Don't let it stop you from your DFW journey. Keep going!

urg x x

Raini

Completely agree family is family x

Buffythedebtslayer

Ok, so I am trying not to cry. Thanks for understanding.

I am still working on the rest of out!

but really thank you

xxx

Buffythedebtslayer

I have been pretty ill today, and I guess that ispart of the reason why I am feeling so down.

The holiday has been wasted. I have spent a lot of it asleep! or being angry. Really angry.

and ill.

When I am working I don't think I do, get up work tutor eat dinner, surf/tv sleep.

When I am off work I think all the time what I am doing where am I going, I stop being so mindless and do the complete opposite.

I guess that is why Mum has hurt me so much today. I was explaining about what happened at lunch how I was ill and my friend offered to help me which was really good of her since she hates being round sick people - on school trips I always dealt with the sick kids.

and she said oh that's a suprise I didn't think you liked sick people. All this is based on the fact that when I was four years I got scared cos my nan was sick in bed and I wouldn't go in to see her. I was FOUR FREAKING YEARS OLD.

I am now 33. Not only that but she started going on about how she didn't think I'd do well with sick children. Er HELLO been teaching for ten years, and before that I worked/volunteered in youth stuf on camps and do you know what that adds up to a LOT of sick kids.

then she started to say how I didn't like hospitals. !!!!!!. who went every day EVERY DAY when my Dad was in hospital? who went precisely twice? my !!!!ing perfect sister (until then end but even then she had to go home for dinner.)

not only that but what idiot spent practically every saturday afternoon of her life until she was 23 visiting her Grandad? Who has always had the family's back here? WHo is always there?(and who wasn't?)

AND WHY? when she does n't even know me or understand me in ANY WAY?

I am so stunned and hurt and I wasn't going to post all thiscos I hate feeling sorry for myself and other people feeling sorry for me. but I am so lost and so conflicted (stupid self help term I know but honestly its fits)

I know to have any sort of life to have a boy friend or kids I need to move out.

But I know Mum coudn't manage on her pension, I wouldn't want that - she may be (like a lot) of mums stuck on thinking their children are still little kids and some times extremely hurtful and difficult but the last few weeks at work have been hell and she has been very good in many ways and looked after all of us her whole life. I don't want to leave her stuck for money and I did promise my Dad I would look after her.

Plus whilst I am in debt there isn't much chance of me renting somewhere - I would be so skint. Plus it would mean no own house for a while.

(sorry if you have posted in reply I am editing and thinking and rewriting a lot!)

I just have work on I don't know. making this work. I hate moaning when it is all my own choice.

xxxxx