Help!

spendaholicinseattle

I am actually schoolrunmum! I am looking forward to tomorrow so I can get on and take some positive action. I am going to start with my life insurance and then cancel SKY as well - will be a good start

I can't wait to see that overdraft coming down... it stresses me out to be overdrawn

belfastgirl23

spendaholicinseattle wrote: »

Some things will not be easy to give up.... bit worried about my car, sky etc. I need to do it though.

If you get a grip on other stuff you might not need to do this. Or not all of it. Or it could be you mothball the car for a few months or whatever. You are lucky, you have a good salary and will be able to live a comfortable life again, it's just about getting the debt out of the way and living a bit tightly for a while to do it

spendaholicinseattle

Thanks Belfast. Such complaints look a bit soft don't they really - there are people so much worse off than me right now.

Shoe_Gal

Glad you're feeling more positive today - and the sun has been shining :j

Shoe_Gal

Did you achieve what you set out to do today?

Shoe Gal

belfastgirl23

spendaholicinseattle wrote: »

Thanks Belfast. Such complaints look a bit soft don't they really - there are people so much worse off than me right now.

True. But the thing to hold on to is that you are getting a grip on all this BEFORE you are in dire straits which says something very positive about you What's the job for today??

spendaholicinseattle

I quit my Life Insurance yesterday. Today I am getting rid of SKY

I like this doing one thing a day tactic - it's much less overwhelming and feels positive!

belfastgirl23

Well done! What's the plan for tomorrow?

how's the spending diary coming? I was horrified by mine when I first started. In fact probably if I did it again right now I'd be horrified all over again...

Fire_Fox

Is your flat freehold or leasehold? If it's leasehold why are you paying buildings insurance? You normally pay this as a block to the freeholder or managing agent. Bills generally: we are two in a two bedroom flat. My DD for electricity is £34 a month (no gas), mobile phone £15, mobile internet £15 (no landline), food/ cleaning stuff £85 a month each.

See if you can reduce the package you are on at the gym. If not start going regularly - it's a great alternative to a social life, you might meet some fit women (or fit men if you are so inclined), will massively reduce your feelings of stress and even depression over your money situation. You'd also get a 'free' shower which would reduce your water and electricity bills at home!

Cleaner - apply the one thing a day principle to your flat. I am a terrible hoarder and hopelessly untidy: my flat was pretty good when I had a system of doing twenty minutes every day. Put a load of laundry on, do the washing up, do some filing, clean the dirtiest thing in the flat (e.g. oven/ windows/ loo). Bitesize chunks!! :T

I also agree that you should look into taking in a lodger - you move into the smaller room and let the larger one. You will get more money and they are more likely to stay out of your hair if they have a decent sized room.

Entertainment .... you have your own flat and you have satellite TV. Beer, Pizza (NOT takeaway) and sports night at your flat? Wine and a candlelit dinner for the woman you are trying to get into bed? Wii/ X-Box/ PS3 and curry (homemade) night at your flat? :beer:

sashanut

spendaholicinseattle wrote: »

Posh rugger, obviously! Although not averse to a bit of RL aka bleep test with the ball aka ground shagging

spendaholicinseattle wrote: »

OI I do teach French you know, it's a professional requirement like!

Wish I had seen your thread earlier - could have done with some real French insults to throw at the Catalans......but they would have to be RL ones :rotfl:I guess they are mostly Aussies & insults are unversal though:D ps do you support Salford Reds ....or some other RL team?

Good luck with your debt-free journey.....sounds like you are taking control in time to prevent real problems later. FWIW I fecently felt I was more or less getting nowhere, then re-read my first hesitant posts from 3 yrs ago. I might not yet be debt-free, but wow I felt better after reading how bad I felt in the beginning.:D

Do keep us posted on your progress! Ah, can I suggest the Payment a Day thread - really keeps you focused on the job in hand:T