Too scared to work out what I owe

moozie_2

skintchick wrote:

Hi Moozie! Good to see you back.

I'd agree that doing the BT is a good idea, assuming you are unable to get a better deal elsewhere?

You're doing good, girl!

Hello beautiful chick

Thanks for your reply.

I am reluctant to apply for another credit card as I will have to do that in June as the Halifax 0% ends shortly after that. I am concerned if I apply for one now and one then I may get declined but then I don't really know how the system works

southernscouser

Sounds like a good plan to me moozie!

I know you know already but just make sure you don't rack up that overdraft again!

Then come June apply for either a new 0% card or a low life of balance card!

moozie_2

southernscouser wrote:

Sounds like a good plan to me moozie!

I know you know already but just make sure you don't rack up that overdraft again!

Then come June apply for either a new 0% card or a low life of balance card!

Hello southernscouser

Thanks for your comments! Trust me, lesson learnt! No way am I building up again any debts that I have paid off or new ones for that matter.

Looks like the BT is a good idea. Good good, seems like I am learning :T

moozie_2

Hello and forgive me for carrying on posting on this thread but it helps me to keep my progress in once place. I find myself coming back here every time I feel low or need to remind myself how far I've come and where not to return again!

This week has been one of reflection and deep thought. Where did all that money go? Why didn't I pay off my debt when it was really small and that tax refund arrived? How much longer would I have buried my head in the sand had it not been for MSE? All these questions and so many more. Can't say I got all the answers or even any answers that I liked but it feels like it's a process I have to go through before I can reach the end of the journey.

As each day goes by, I feel more convinced that the 'old' me is gone and that I've indeed had my lightbulb moment. Being on here everyday helps me so much. I can see so many different reason for fellow MSers being in debt and I can finally really see why I am in debt. I have no idea how to use money or understand its value. It really is that simple.

Growing up, I was never given pocket money regularly. I got money at Christmas, birthdays etc and the first thing I'd do, is spend it on things I wanted. Not surprising really looking back now. My parents didn't communicate at all about finances between them or with me and they didn't think teaching me how to use money was their 'job'. I don't blame them for my mistakes, they did what they thought was best. I just wish I had seen where the pattern of my behaviour was leading me earlier.

It is clear now that my financial situation stems not from me not earning enough but by spending money with no regard to budgeting or self control. I am working on improving myself and it's slowly showing in the debt total as well as in my OH's perception. It was such a nice feeling earlier when he commented on the effort I am making. Earning his respect is so important to me.

Good things happened today:
- I got the £50 from MSE (thank you everyone) and it went straight into the joint OD
- I found an error in my T-Mobile bill and contacted them for a refund
- I have been looking to get rid of the 15.6% interest I am charged on the Barclays OD. I did consider BT to Barclaycard for 0% for 3 months but, realistically, I need more time to pay it off. After reading Martin's article on bank accounts, I applied for an account with A&L and I was accepted :T They offered me a £1,300 OD at 0% for one year :j So I will pay off the OD and not incur any more interest

I know good things will not be happening every day. I know this is only the beginning but there is no stopping me now. I am still as emotional writing this as when I wrote that first desperate post but four weeks later, things could not be more different.

Thank you everyone, I am more grateful than words could ever describe

skintchick

Don't you DARE stop posting in this thread!! I was wondering where you were and what was happening, so keep on posting!

scottishspendaholic

Moozie,

Keep the updates coming - you're an MSE DFW superstar!

I love your posts... Well done so far - you have achieved so much!

scottishspendaholic x

moozie_2

Thank you skintchick and scottishspendaholic

I've been feeling confident enough to post on other threads in the last couple of days. Mostly support rather than advice but I am learning all the time!

DFW rocks, that's for sure! :j

kathfisch

:T Moozie, just wanted to add my congrats on your achievements so far :T

I know exactly the feelings to describe about thinking deeply, so many questions and no answers! You do really sound like you have changed your attitude, this is the hardest bit so very well done :T

Its great that your OH comments on your efforts and respects you for what you are doing, his support is a fantastic thing to have!

Keep up the good work and absolutely keep posting your updates, we love to hear them (we're nosey so and so's really! :shhh: )

Best of luck

Kath

D&DD

Hi Moozie please keep posting on your thread as it is an inspiration to so many others (me included!!) and everytime I read it I spot something new that someone has suggested or that you are going to try and it also helps me as I'm sure it does other readers.Keep up the good work and please don't ever feel you're so alone again :grouphug:

Lucifer

Moozie - you are an inspiration. I only had my lightbulb moment 1 week ago, and reading your thread has given me major incentive to try as hard as I can like you have!!

Go Girl!!