Single and in Debt Part II

Yargo1

Hi all, been ages since i had a chance to post but have been popping on now and again to see how u all and what u upto. I have finally found a new lodger! phew! so will have a bit more to go towards bill payments. Worked this weekend..9 hours yesterday and same again today! so am pretty tired!!

Am going to see folks in two weeks though for a break, u might remember i said they moved out to Bulgaria. so that will be nice and relaxing i hope for a fortnight. Need to chilll and catch up on some sleep! Sorry u had a carp month pink, what u been upto today? x

sarahb123_3

PinkTwirl wrote: »

Hi everyone,

I hope everyone is well! Well, it has been a tough month financially and I've kind of taken 3 steps backwards, what with £500 less pay this month, broken hair straighteners, fake hair straighteners, a car service Not feeling great and worried I'm going to be stuck with my dad until I am dead. The past 6 months have cost me so much, I was supposed to have paid off loads by now but I'm no further forward. I have been going out spending on things, I need to get back on to the path of debt-freeness.

Needing a morale boost!

Hi Pink, you can only start from where you are. Forget the last 6 months and start from here. If at the end of the month you can say you have met all your minimum payments and you have not added to your debt, then that is great. Any overpayments are brilliant if you can manage them, but not adding to anything while you are making payments means you are going the right way. :j You will get it done but you have to work with what you have at any given moment and not set yourself impossible targets.

I was technically debt free and went back into it due to a rubbish few months, and also I had underestimated my debt as I had a card I basically ignored as I thought- wrongly- there wasn't much on it. So I have started again and I am just grateful that I had my LBM and I am getting everything sorted and you should be thankful for yours too, it is a horrible thing to have to face, but you have done the hard bit now by confronting it and you are going the right way.

It's horrible being back in debt but with this board I have found so many ways of getting things cheaper, cuttings costs and the motivation not to spend. My work is quite precarious at the moment but I am living month to month, making my loan payment and not taking on any extra debt.

You will not be stuck with your dad forever, it's just a stepping stone until you find things a bit easier financially. It's just what you have to work with at the moment, not what you have to work with forever.

Lucy1982_2

Evening.

Does anyone mind if I join in?

I'm 27 this coming tuesday :eek: (not sure when THAT happened :rotfl:) single and in debt...

Actually I am mainly in debt due to evil ex fiance (Grrr) I live with my Mum and love her to pieces most of the time. I would love to move out and have my own space, but that's just not going to happen any time in the near future.

Oh and my most exciting event of the last week.....

My items finishing on Ebay. Sad me???? (I made £36 so I'm not sure)

sarahb123_3

Hi Lucy and welcome :hello:

Well done on the ebaying, £36 sounds good to me :j

PinkTwirl

sarahb123 wrote: »

Hi Pink, you can only start from where you are. Forget the last 6 months and start from here. If at the end of the month you can say you have met all your minimum payments and you have not added to your debt, then that is great. Any overpayments are brilliant if you can manage them, but not adding to anything while you are making payments means you are going the right way. :j You will get it done but you have to work with what you have at any given moment and not set yourself impossible targets.

I was technically debt free and went back into it due to a rubbish few months, and also I had underestimated my debt as I had a card I basically ignored as I thought- wrongly- there wasn't much on it. So I have started again and I am just grateful that I had my LBM and I am getting everything sorted and you should be thankful for yours too, it is a horrible thing to have to face, but you have done the hard bit now by confronting it and you are going the right way.

It's horrible being back in debt but with this board I have found so many ways of getting things cheaper, cuttings costs and the motivation not to spend. My work is quite precarious at the moment but I am living month to month, making my loan payment and not taking on any extra debt.

You will not be stuck with your dad forever, it's just a stepping stone until you find things a bit easier financially. It's just what you have to work with at the moment, not what you have to work with forever.

Thanks Sarah, my debts have creeped up this month, due to being about £1000 short so basically I have put about £700 back on my cards You are right though, I'll even it out when I get paid next week, reset it to zero and then take it from there. I will still have my flat at the end of the day and even though I can't live in it, I'm just thinking that if I was renting right now, then I would be back living on my own, lonely again. I may have to do it for the next 50 years in 2 years time, so maybe it's an enforced break from how lonely I was, even though I get frustrated due to the debt, having an old car that I can't afford to change and worrying about it. Much as it annoys me sometimes that I am in a child-like situation or what I imagine it sometimes to be, all I'm missing in the short-term is living on my own and trying to be out loads for company or something to do. It'll all come soon enough again when I'm ready to rent/sell my flat and buy one where I am. Missing all that money I would have if I didn't have any debt though! I guess on the grand scheme of it all as long as my debts are getting paid off and my mortgage is being paid then it doesn't matter. I just need to clear the debts as they aren't fashionable anymore! :rolleyes:

Anyway, hope you're doing well Sarah, how is the avoidance of pretty wine glasses in John Lewis going?

gwen80

Hi

Good to see you again Pink. Sounds like a bad month financially. Did you manage to get rid of the fake GHD's? Did you buy genuine ones to replace them? I'm not having a great month either. There's still 11 days to go till payday! Argh!!! Have you started your new job yet? You'll be able to throw a good lump at the debt then, won't you?

I'm just feeling so bleurgh at the moment. I can totally relate to the loneliness of living alone and I think that's what's bothering me at the moment. I've got no balance. I'm either going out, spending money, ignoring my credit cards or staying in, trying not to spend money, stressing about money and I end up bored and miserable. I think I have made quite a bit of progress over the last few weeks, but now I feel like I've hit a wall. I've spent the majority of the weekend moping if I'm honest and I feel so annoyed with myself for just wasting time and wasting my life like that, but still cannot motivate myself to do anything other than look on here and do some washing.

In between feeling sorry for myself, I managed to get a couple of little things done - called up BT yesterday as I'm 12 quid in credit, asked them to put it back in my bank account. I swear I could hear the girl sniggering, but better in my account than theirs. My 25 quid from Vanquis on quidco has validated, so I'm hoping for a payout soon. Still no sign of the 50 quid from Halifax though - grrr. Shabbey finally agreed to backdate my interest due to their ineptness last year, so that's an extra 28 quid in that ISA. Better than nothing I suppose.

Right I'm off in search of some motivation. Oh and welcome Lucy! I think I've read a bit of your diary, I'm not sure. Definitely seen you about and if I could make 36 quid from ebay I'd be chuffed to bits, so well done.

Gwenx

gwen80

Sarah - Well done on the 4lbs!! Good going.

Shoe_Gal

sarahb123 wrote: »

I weighed myself this morning and I appear to have lost 4lbs since last weekend:D:j Now some of this is bound to be natural fluctuation but I am quite happy with that:D I decided to cheat a bit after last weekend and put my starting weight for my 1lb a week loss target as what I was then (my highest weight ever:o) so only 22lbs to go:jJust hope I don't fluctuate back up again:rolleyes:

:j:j:j Well done you, that's fantastic

gwen80

A quick question...I've had a quick look over my incomings and outgoings this morning. I seem to have just over 500 pounds left after mortgage, bills, savings, credit card payments etc to spend on food, petrol, clothes, hair, going out etc. This seems loads to me, so why do I never have any money? Does this seem like a reasonable amount? I really don't want to go back to having a spending diary as it was boring as hell, but maybe I need to.

Gwenx

makeup

Hey All

Hope you all enjoyed the sunshine today?! :j

Gwen - can you work out how many weeks you have in this month and then divide the £500 up this way. It does sound like a good amount but all depends on what you have planned for this month...does this include your Wimbledon trip??

Pink - just agreeing with Sarah and the others with their good advice. You are doing well with the circumstances, it is hard when things out of your control impact on your budget but you are definitely going in the right direction and that is something to be proud of.

Holly - how did the ebaying end up? I have a massive pile of stuff for ebaying and I really need to get started.

Lucy - hi - and congrats on the £36, brilliant!

Sarah - :j:j for 4lbs loss, I see you are very close to your first goal. What you have planned as a treat for achieving it??