Today is a new day!

POSITIVE_AND_FOCUSED

What a depressing person Ive been today. Unable to get to sleep at mo, need to as have a busy day tom. Want to just state that I need to be grateful for so much and to remember this at all times, my DD, our beautiful little home, my work and business and the glimmer of hope that its offering me and DD, with effort and persistence my income will rise, we are alive, we are getting back into control with the debt despite my low time today, that IS the case, the debt is getting less slowly but surely, my DD went rock pooling and swimming in the sea for the first time ever this weekend. She loved it, the happiness in her face was lovely to see, I need to remember these things. I have some lovely lovely friends, and indeed customers and colleagues and family. Am having a cuppa and will get back to bed, get some sleep and pray all is well tomorrow. I need to stay positive and focused.

Different_Corner

PAF
Totally relate. Sometimes something happens, firmly roots itself in my head. And quite simply I worry. It escalates and triggers off all sorts of negative thoughts and concerns. I get myself in such a rut. Then as I 'worry' myself through it, I realise I'm not being at rational. I guess sometimes we have to have a downer to realise where we really are and want to be.
Sending you positive thoughts for today.

POSITIVE_AND_FOCUSED

Well, its a new day and I didn't get to sleep for a while last night so just wakinmg up as a type this message. Washing out, eggs boiling for packed lunch, just about to finish preparations for working today. My mum called this morning. Dad is now bringing round the cash today for me to pay in. Feel like a little child! Not that Im not appreciative. Still want to find out why a chq debited from an account the day its presented should take a further 4 days for the monies to be made available. No wonder the banks make a fortune!! But a safety net is in place. Worst case scenario, I pay my dad back tom am, and my mum when her chq is cleared on thurs.Its all the incentive I need to make sure I get rid of my debt asap just to lose this sick feeling in the pit of my stomach. Lots to be grateful for, and I will get on with my day, building the business.v DD is at the holiday club till 5 so that will help. Thanx Different Corner, your post makes me feel that Im not going mad yet!!!

POSITIVE_AND_FOCUSED

Well dad came round with the cash day before yesterday to bail me out. Was so grateful to him. I paid him back yesterday. Halifax told me its because they are an agency branch why cheques regardless of where they are drawn take so long to clear! V apologetic they were but then I will never put myself in a situation where everything is so tight down to the day, but then repaying my debts this is likely to be how it is for a while, my o/goings are what they are, and I just need to do my best to work around how the dates fall sometimes.

So, off to have a nice day. Have a few business chores and business calls to do later, but the main part of the day s meeting a friend and her DD for a picnic at a local fun park and have a nice time. Just about to make some sausage rolls!! Always an enjoyable thing to do with my DD.

Keeping_Motivated

Hi

Hope you have a lovely day you deserve it.

Re the interest free mortgage (so you can throw extra money at the other debts) I think you can change it in the middle of your fixed deal. Might be worth a post on the mortgage board.

Also are you paying off the debts with the highet interest rates first?

Take care
KM

POSITIVE_AND_FOCUSED

Keeping_Motivated wrote: »

Hi

Hope you have a lovely day you deserve it.

Re the interest free mortgage (so you can throw extra money at the other debts) I think you can change it in the middle of your fixed deal. Might be worth a post on the mortgage board.

Also are you paying off the debts with the highet interest rates first?

Take care
KM

Hi KM

Re my debt, yes I am. I sorted out a snowball plan which I am following and that is taking account of order of priority re highest interest rates first. The MBNA debt is the killer and unfortunately they wont budge re the rate despite explaining why I felt I had a good case for them to do so. Wont put myself through such stress again, decided to do my best to repay it even quicker and never touch MBNA again, so chipping away at it and putting as much other money as I can toward it to reduce it as quickly as poss. Am currently beating my snowball plan in terms of where I am with the MBNA debt right now so that warms my heart!

I haven't visited the mortgage boards yet, will do so and see what comes of it. The main 2 issues would be can it be changed mid term w/o penalty. and if so what is the difference to establish then how much quicker my debt could be paid off if I took that option to see how it would impact on my CC debt and in deed the repayment of the mortgage as well. When I worked for Lloyds TSB repayment mortgages were always considered the best option as you are reducing the debt as you go. In fact as a member of staff I had to take out a repayment mortgage, interest only was not an option. Ive always stuck with repayment . Interest only would be quite a transition for me!

Thanks for your suggestions, food for thought, and shows the light at the end of the tunnel could just be a step nearer!

We had a lovely day thankyou today. DD and friend just loved it. My friend and I had a good natter and we enjoyed our picnic. Working tom with DD and hopeful we will finish in time to have an afternoon picnic on the beach. Thats the plan. Take care

POSITIVE_AND_FOCUSED

Received my bonus today and its all accounted for with impending bills, and payts Ive made to get debts organised and on the way to being paid off! Have zilch left over, but I need to remind myself that w/o this business we would simply not be in our dear little home, My Dd and I are just hanging in there and the hard work will pay off, the bonuses will get bigger and all will be well.

Just about to prepare picnic, and go on our way to work.

A dear friend has offered to have my DD for a sleep over at the weekend. This will mean I will be able to attend a keep fit class on Sun am. Oh how I loved going to the gym when I was younger. I felt so good about myself and I have realised during this process of self examination of my finances and where I am as a mum and as a business woman and as me, myself that I need to feel much better about myself and do something I love doing, al beit a bit strangely with my disability as it is! So, Im going to a spin class, always loved the exercise bike, been told its good exercise for my funny leg and I love feeling the buzz of exercising to the music. Maybe if I can start feeling better about me, then things will start to feel as if they are coming together more. Another past time I love is tapestry, my gran taught me, and I want to find time to do a little of that every so often, so thats on my goal board as well!

The last 4 nights have fallen into the trap of waking up in the armchair at 3am to the delights of Jeremy Kyle or such like on the tv, then going up to bed. I need to address that as I feel more tired and am cross with myself as I know having a good nights sleep is half the battle to be able to cope with the day.

The sun is shining here at the mo, will get on and enjoy the day with DD , building the business and making the money that will get us out of this hole!

POSITIVE_AND_FOCUSED

Just thought of a great "story" I heard at a training meeting for my work. Cant quite remember the full details, but we'll say there were two frogs who fell into a hole. The other frogs looked down the hole and said to the two who had fallen that there wasn't much chance of them getting out, so deep it was. They both started to try and jump out but as the frogs looking on were so negative, and not encouraging at all, one of the frogs decided to give up, and didn't jump anymore after a while, and died. The other one continued to jump, he slowly but surely jumped higher and higher until he eventually reached the top of the hole and amazed all the other frogs. He went on to live a good life! The reason why he perservered was that he didn't listen to the negativity from the frogs since he was deaf. He just kept trying and got there in the end.

I need to be like this, maintain my determination to keep "afloat", my worst critic is my inner voice, and the hole Im in is going to be a thing of the past as each month goes by. I must remember this.

Keeping_Motivated

Good story and yes you must remember this. You are working so hard and should be so proud of yourself, you will be an inspiration to others on this board and also newbies who come along so keep writing as it helps you but I am sure it will help others too.

Have you thought anymore about putting your figures on here it might really help you keep motivated as you see the figures going down maybe in a signature, no pressure do what is right for you but I know some others who a long haulers really find it helps.

POSITIVE_AND_FOCUSED

Yes, Hi KM, I am going to, just thought I would wait until all this months payments have gone - there is one left -, and my s/s arrive - not all of them are online - to get the up to date amounts owing, otherwise some will be a month out if you see what I mean. Not sure whether to do just the 3 grand totals, Mortgage, secured debt, CC debt or do them all individually in the case of CC debt. Wouldn't make great reading, but there you are.

On to the positives for today. DD is off to the holiday club so wont feel guilty about her following me around working, although she will be with me later delivering goods but thats ok, Have a load of business tel calls to do which I hope to fit in late afternoon, failing that tom. Have picked up loads of orders yesterday, not sure of the amount, but I estimate £300 to £400 worth. Books to put out today to collect on Mon. So, onward and upward looking forward. The money will not be like this forever.

Plan to write to my bank this weekend re the charges Ive had over thelast 6 years. Going to detail the fact that circumstances out of my control contributed to my situation and that decisions I made had I been given a crystal ball would not have been decisions I would have made if you see what I mean like taking on thousands and thousands of pounds of my DH debt, bless him! (But then if I had a crystal ball I would have made sure my DH wasn't where he was when his situation occured. We can all say these things but there you go.) If they have a heart just maybe I will get a refund. Not holding out much hope of that, but if Ican get it written that will be an achievement in itself for me!

So, heres to another day! Working to get the money to get the debt down and to keep our home.