Once More With Feeling! - Buffy's debt diary

urg123

Hey chick - happy holidays

How are you feeling today?

urg x x

Buffythedebtslayer

Not great. headache and tired. hi urg see self pity below xxxxxx

Dentist bill is going to be 138 pounds. plus the fifty quid I spent there on Monday.

I had to phone up to apply for another Credit card which was successful Thank God. seriously it was all a bit alarming.
I just don't seem to be able to break the cycle of using Credit cards. In fact I can't seem to break any of my cycles. I am only surviving. And it is so stupid. I earn plenty of money and have no clue what I have being doing this last few months.

Honestly you think you are handling things and you really aren't.

xxxx

Shoe_Gal

Buffythedebtslayer wrote: »

Not great. headache and tired. hi urg see self pity below xxxxxx

Dentist bill is going to be 138 pounds. plus the fifty quid I spent there on Monday.

I had to phone up to apply for another Credit card which was successful Thank God. seriously it was all a bit alarming.
I just don't seem to be able to break the cycle of using Credit cards. In fact I can't seem to break any of my cycles. I am only surviving. And it is so stupid. I earn plenty of money and have no clue what I have being doing this last few months.

Honestly you think you are handling things and you really aren't.

xxxx

Buffy - don't be so hard on yourself . Having your teeth fixed is hardly reckless spending :rolleyes: - you are just doing your best to get by, just like the rest of us :eek:
I have been so hopeless (with nothing to show for it) that I can't even get accepted for another card so no way I can juggle 0%/balance transfers etc

In fact I somehow managed to buy a top in Asda today - and I only went in to get some lunch

Buffythedebtslayer

I am feeling better. Still got a headache but slept loads and did sort out a plan to plan off CC starting from September.

I am not doing badly, I still just want everything at once. no patience! I am going to e bay stuff from next week. I was meant to be going away from the 1st of Aug. I am not going to Barcelona any more. Weymouth will be my only break.... but its all money. And I have loads to do.

I guess before I decide I should cost Weymouth and make a plan.

train
hotel
food/drink -

I am visiting a friend on the way back...

off to do exercise dvd and have some breakfast. I am going over to my mates to day to play on her Wii fit

when i come back I shall plan Weymouth.

xxxx

Lula-Hula

Hey Buffy,

wish I could break some cycles too - particularly the one sat in my shed which looks at me pleadingly each time I open the door :rolleyes:.

I've just been to the dentist & paid £22 for a check up which is quite bargainous & then found myself asking how much to get my front teeth redone ( chipped them when I was 7 & very self conscious about it)

I've now booked the appointment to get them done .

Oh well, it's all part of the F Fabulous plan & at last I'll be able to do this > without feeling self conscious :j

Life is for living & frankly you deserve a medal for what you've coped with so to everyone & thing that brings you down :A

lula
xx

Buffythedebtslayer

Well so far

negatives
had my first migraine of the break(!)
spent lots of money
been disappointed by the free dating website
spent money at the dentist
vaguely upset myself with one of my friends
realised how much debt I am in and that it is all my fault.
felt like I am never going to be debt free
relied on my CC too much.

Positives
seen my friends
booked hotel for Weymouth
done my exercise vid every day
slept loads.
been to the movies
got a nice e mail from a bloke(!)
stuck to the diet 3/5 days.


I have mostly been depressed, the relief from finishing work was quickly replaced by panic and disappointment regarding the debt situation. I over spent by a far amount, forgot that I don't get pay for my second job in August (well dur) and am sort of poor but will have to see what I have left on the 4th to see what I am looking at.

Provisionally I want to be Credit card free by the end of the year.

the total disappointment and shame I feel about not making my deadline to be debt free by the end of this year is awful. I was going to be so careful. Work blew up in my face and it was all I could do to survive. and then some stuff with my sister and it snowballed. Plus me not really working out a budget. I just don't do that. (get me!)

And then there is the fact that I have put on two stone. that makes me feel ill. coupled with the disappointment I felt about the dating - its stupid I know one guy probably a !!!!!! shouldn't make that much difference to a girl's self esteem. THis is going to sound very stuck up but he seemed normal? and he didn't like me.............I just cannot help feeling so bad, I just want what other people seem to have (and having your mate practically laugh at your previous relationships was the best boost ever.)

I am also really annoyed that I still don't get Matched betting.

Tomorrow is another day.

Plan for tomorrow - clearout room and rearrange furniture - gather stuff to take to charity shop on monday.

Spend Sunday tidying the Conservatory

Monday - go to work and paint stuff and hang the start of my display boards.

am going to watch Ghost Whisperer and go to bed. I think the funk I am in will go with some hot chocolate, marshmallows and sleep

see you all in the morning xxxxxx
xxxx

Lula-Hula

Morning Buffy,

Today is brand new shiny day full of opportunity ... enjoy

Hollyberry

Hi Buffy

Glad you are booked for Weybiza - should be lots of fun, and I think that is just what you need.

Wish I could say something that would stop you being so hard on yourself about your debt deadline. When something happens like the work situation, life goes into survival mode, and you did what you needed to do. Everyone can only cope with so much, y'know.

Hope it's sunny where you are, and that the sunshine rubs off onto the rest of your day.

H x

urg123

Buffythedebtslayer wrote: »

Well so far

negatives
had my first migraine of the break(!)
spent lots of money
been disappointed by the free dating website
spent money at the dentist
vaguely upset myself with one of my friends
realised how much debt I am in and that it is all my fault.
felt like I am never going to be debt free
relied on my CC too much.

Positives
seen my friends
booked hotel for Weymouth
done my exercise vid every day
slept loads.
been to the movies
got a nice e mail from a bloke(!)
stuck to the diet 3/5 days.


I have mostly been depressed, the relief from finishing work was quickly replaced by panic and disappointment regarding the debt situation. I over spent by a far amount, forgot that I don't get pay for my second job in August (well dur) and am sort of poor but will have to see what I have left on the 4th to see what I am looking at.

Provisionally I want to be Credit card free by the end of the year.

the total disappointment and shame I feel about not making my deadline to be debt free by the end of this year is awful. I was going to be so careful. Work blew up in my face and it was all I could do to survive. and then some stuff with my sister and it snowballed. Plus me not really working out a budget. I just don't do that. (get me!)

And then there is the fact that I have put on two stone. that makes me feel ill. coupled with the disappointment I felt about the dating - its stupid I know one guy probably a !!!!!! shouldn't make that much difference to a girl's self esteem. THis is going to sound very stuck up but he seemed normal? and he didn't like me.............I just cannot help feeling so bad, I just want what other people seem to have (and having your mate practically laugh at your previous relationships was the best boost ever.)

I am also really annoyed that I still don't get Matched betting.

Tomorrow is another day.

Plan for tomorrow - clearout room and rearrange furniture - gather stuff to take to charity shop on monday.

Spend Sunday tidying the Conservatory

Monday - go to work and paint stuff and hang the start of my display boards.

am going to watch Ghost Whisperer and go to bed. I think the funk I am in will go with some hot chocolate, marshmallows and sleep

see you all in the morning xxxxxx
xxxx

Oh Buffy,

So sorry to see you are having a tough time. Don't forget what you have been through. It has been a tough year and the spending and the weight gain were mechanisms that helped you to cope. I know that the end of the term was your aim, but the crap time you had is going to take some time for you to get over.

Re: the money. I too struggle with a budget but I do try. I print off my budget every month and carry it around in my bag along with my spending diary. It sounds like you need to get back to basics. Sometimes we move away from the very simple. Start again, with a basic budget (I used the SOA one to set mine) and a spending diary.

I'm really impressed with your hard work on the diet - it will do your self esteem a world of good and you'll end up with a healthy body too.

Don't be so hard on yourself - put the positives on the top and change the negatives to things you need to learn from.

urg x x

ZTD

Buffythedebtslayer wrote: »

Well so far

negatives
had my first migraine of the break(!)
spent lots of money
been disappointed by the free dating website
spent money at the dentist

That's not a negative, but a positive. The alternative is: "Spent no money at the dentist and am now in agony."

Buffythedebtslayer wrote: »

vaguely upset myself with one of my friends
realised how much debt I am in and that it is all my fault.

Fault is irrelevant for sorting out your situation. The only person who can sort out your situation is you. If it wasn't your fault, that would still be true, and the steps you'd have to take would be identical.

Buffythedebtslayer wrote: »

felt like I am never going to be debt free

You are if you are willing to take those steps which you need to.

Buffythedebtslayer wrote: »

relied on my CC too much.

Positives
seen my friends
booked hotel for Weymouth

What day will you be there?

Buffythedebtslayer wrote: »

done my exercise vid every day
slept loads.
been to the movies
got a nice e mail from a bloke(!)

It does happen: There are nice emails, and there are nice blokes - and sometimes you get both at once...

Buffythedebtslayer wrote: »

stuck to the diet 3/5 days.

the total disappointment and shame I feel about not making my deadline to be debt free by the end of this year is awful. I was going to be so careful. Work blew up in my face and it was all I could do to survive. and then some stuff with my sister and it snowballed.

Don't set deadlines and expect them to be deadlines. They are targets - aspirations - not excuses to beat yourself up in an orgy of self-flagellation.

Buffythedebtslayer wrote: »

Plus me not really working out a budget. I just don't do that. (get me!)

Why don't you try the envelope method?

Buffythedebtslayer wrote: »

And then there is the fact that I have put on two stone. that makes me feel ill. coupled with the disappointment I felt about the dating - its stupid I know one guy probably a !!!!!! shouldn't make that much difference to a girl's self esteem. THis is going to sound very stuck up but he seemed normal?

(shock! horror!)

Buffythedebtslayer wrote: »

and he didn't like me.............

And so what? Not everyone like everyone else. Look at blokes in the street. Would you like to spend the rest of your life with absolutely any one of them? Of course not. Doesn't make them any lesser a person. A relationship is a two way thing, like a lock fitting a key. You can't say it's the wrong lock any more than you can say it's the wrong key...

Buffythedebtslayer wrote: »

I just cannot help feeling so bad, I just want what other people seem to have (and having your mate practically laugh at your previous relationships was the best boost ever.)

Laughing to hide what in their past then?

Buffythedebtslayer wrote: »

I am also really annoyed that I still don't get Matched betting.

Tomorrow is another day.

Exactly.