Too scared to work out what I owe

dottyanne

Falimig heck Moozie - youre doing sooooo well. You really sound as if you've got the bit between your teeth and are making real headway into sorting out your debt/finances.........Youre a real inspiration - hope to be in the same position as you soon, at the moment (started end March 06) I seem to take 2 steps forward and one back but reading the posts on here from people like yourself help spur me on to keep trying even harder. I can picture myself ebing debt free eventually and can only imagine how great that will feel then.....will work on the mortgage when all debts are paid so i can be totally debt free..........anyhow - well done ............dottyanne xxxx

Sea78

Wow Moozie! You're doing fantastically! It really is inspiring to see everyone's stories and particularly when you started of you sounded so desperate and now so positive. It's great

Sea x

moozie_2

Thank you very much **purpleprincess**. You made me laugh with your singing :rotfl: I think posting as SOA is a great idea. There is always something you hadn't thought of and it might save you a bit more money in long run. I'll look forward to seeing you SOA soon

dottyanne thank you I am sure you can do it. Some days are harder than others as we know but you'll get there. The support we have here is doing us all the world of good. I certainly wouldn't have got here if it weren't for people like you that threw me a lifeline.

Sea78 I still cringe when I think of me 2 and a half months ago. I had been burying my head in the sand for so long, it was scary to pull it out. I NEVER EVER want to be in that position again. I open every letter that arrives now and then make note of it, if I need to and file it. Check internet banking every day and I actually feel happier to save money in my kitty than spend it on new clothes/shoes/accessories and all the other stuff I am now ebaying Yes I was desperate but that's the old Moozie - thank God! :j

I know it's a cliche but anyone can do it if I can!

**purpleprincess**

Thanks Moozie, glad you liked my song!! SOA is now up there for all to see!

I cringe too when I think of me before I joined this site, crazy crazy crazy!!:rotfl: I never want to be like that again and once I'm debt free I will never ever ever want to be in debt again.

Have a good Saturday night!:beer:

chevalier

Moozie,
Just to add my pats on the back for all your hard work. Well done.

oops_a_daisy

awwww moozie :grouphug: well done you really are an inspiration. I didnt go overdrawn last month for the first time in years - it is a great feeling which you will soon have. All the best and good luck for the future.

moozie_2

oops_a_daisy wrote:

awwww moozie :grouphug: well done you really are an inspiration. I didnt go overdrawn last month for the first time in years - it is a great feeling which you will soon have. All the best and good luck for the future.

Well I wasn't far off my estimate in May. I was overdrawn by £64 which is a massive improvement. I am hoping I won't be overdrawn at all next month just like you oops a daisy. It must be a lovely feeling!

Well done and hope to join you soon

moozie_2

It's been a tough few days. Have not been able to log on much recently due to my monitor blowing up. Never a good time for that sort of thing but even worse when I am trying so hard to live within a budget and not use any credit cards I checked freecycle for a number of areas close to me and nothing was available. Then this evening, the wonderful man that's my OH came home with a used monitor :T He mentioned at work how I lost mine and one of his colleagues sold him this one for £15! One of the best gifts he has ever got me without a doubt! :kisses3:

I didn't realise how much I relied upon this site until I lost my access to it I mean even when I don't have anything to say or offer any advice to another MSer, browsing the site is enough to keep me going. Add to that lack of internet banking and things became really grim. It's quite amazing to think that I suffered because of no access to internet banking when less than 3 months ago not only I never used anything like that but all official letters went into a drawer unopened. Incredible really....

I've been feeling so low over the last couple of days and although the gift has cheered me up, I am still not back to my normal self. I know many of us say this but I wish I had seen the light earlier. I don't mind paying back what I owe, begrudge the interest of course but I accept I borrowed it and must pay it back. I do wish that I had opened my eyes and faced up everything earlier though. It just makes me really sad to think how irresponsible I've been and how I've put our future on hold while I'm paying everything off.

We want to move, buy our first place and it's just bringing me down that I won't be able to do it for a good few years. OH has been brilliant. Very supportive and sweet, buying me gifts so I don't feel deprived, sneaking £2 in my pot secretly, just generally being great. I know he wants us to move though and he'll be ready to by the end of the year. It really breaks my heart not being in the same position :sad:

I wish I could get out of this mood. The good news is that when I come home tomorrow, I will be able to log on here Hopefully a regular MSE fix will do the trick

themaccas

Hi Moozie, hey, we've all been there, that 'groundhog' feeling and it can make you feel down and want to abandon the plan and just spend to feel better (speaking for myself here!:o ) You have had an excellent start to get your self DF and you should congratulate yourself on all you have achieved. What you are feeling is normal, I promise you, and you will have moments when these feelings will probably return before your DF date next year. I don't have any magic cure but I do find that my whiteboard with my 'dream pictures' helps to keep me inspired. I think there also gets to a point where you need to feel comfortable about your snowball date. I mean I could pay more to my debt each month and bring my snowball date forward to around October next year but I am comfortable with what I am now paying and am happy to pay it all off by March 2008. I think with my snowball date still many months away it is important to try and have a life - MSE and within my means of course:D ! ANyway Moozie just wanted to tell you that you are FAB and your OH seems to be an absolute gem. Keep going, the end is in sight!:T

fairylights_2

:grouphug: Moozie!

You're doing so well though - more than £2k cleared in three months? You should be really proud of yourself - and your OH too - sounds like he's really getting behind you. I know it's tough when you want things fixed instantly but you really have to sit back and think "how many years did it take me to get into this mess?" It will take you less than two to get out, which is fantastic. And in 2008 you'll be free to do whatever you want.

Hang in there, and I promise it'll be worth it!

edit - great minds themaccas!