I have literally no money!

runmichellerun

Hi. I've been following your thread with interest and just wanted to say good luck with the money situation for the future.

I can empathise with you a bit as I had to move out of my beloved home on my own into a house share just to be able to pay more off my debts every month. I am 30 years old and wasn't expecting to be in this situation at this stage in my life. To say I'm disappointed with myself is an understatement.

But you live and learn and life does seem to have these ups and downs. I suppose I need to use it as a learning experience so that I never need to be in the same position again.

Again, good luck

brokeinwales

I can empathise with you a bit as I had to move out of my beloved home on my own into a house share just to be able to pay more off my debts every month. I am 30 years old and wasn't expecting to be in this situation at this stage in my life. To say I'm disappointed with myself is an understatement.

Exactly what I mean - when you're eighteen or whatever you always imagine you'll be a "grown up" by this age. Maybe not rich or whatever - but I never imagined that I'd be desperately scanning the pavements for dropped change on my way to work by now.

newlywed

I'm married and scanning pavements for change :rotfl: We rent too. Don't see the point of worrying about getting a mortgage just to compete with others or because "we ought to". Renting has been fine for both our parents for years.

You need to look forward, not backwards. Backwards is always dpressing. I'm in a DMP and keep looking forward to my debts being paid off eventually (some years to go yet). Just keep planning how you are going to pay them off and what you will do when you finally get there - that will help keep you going.

Everhopeful09

I've lurked in the shadows for a while reading everyone's diaries they are so motivating & inspiring. Just felt i had to comment on this thread, its brilliant that that there are so many kind hearted and supportive people out there. : )

I live in Wales, may be the same city if i can post some food or vouchers please let me know as i was in a similar situation & very fortunately had some great friends who helped me and don't want anyone else to be in it. So if i can pass on this favour or help in any way pls let me know.

Katy83

Hi biw, I've just joined this site myself and I was reading your story on here. I have just had a similar barney with scottish power over electricity - took them over a year to sort out my bill and I was the one chasing them then they charged me £750. See if you can speak to the customer complaints department, they will be easier to deal with the loads of different people in a call centre. I sent them a letter saying it wasn't fair, I couldn't pay it, they shouldn't have taken so long to sort it out and I can't reasonably be expected to find that amount of money. Eventually they agreed that they would wipe out the debt and sent me a bill for 37p! Huge sympathy for you with that bill though, it caused me a lot of sleepless nights. Good luck on making it to payday...

We_Are_The_Mods

Firstly, it just goes to show that Britain isn't "broken" like all the red top sensationalist newspaper headlines would have us beleive, this is what us brits are good at, helping each other out in times of need. This will never change and even though actual personal contact with neighbours is on the decline it seems online communities are stepping in to fill the void. Well done to all those who sent parcels.

Secondly, you sound far from thick, anyone that can type out clear and concise, intelligent posts obviosuly has a noggin, what some do suffer with (me included) is just knowing how to use it. Regarding money- unfortunately those in the business of selling a service or loaning money are also in the business of selling grannies to hang on to every last penny.

You have to be firm with people like utilities, banks etc otherwise they will continue to take the !!!!, I find that once you know a few of your rights then it's quite easy to deal with these shysters and get what you want, when you want. They need you remember, where as there is always ten other shysters willing to take their place should you tell them to sling their hook.

Good luck with sorting everything out, for what it's worth I'm in the same situation regarding life, at 30 I expected to be a "grown up" as you mentioned, truth is I have no friends, no partner, car is worth about £50 and always sounds like it's breathing it's dying breath, I will have to leave my house for a rented flat or room soon and I have no career. All the things you think you'll have sorted at aged 30 are acutally down the swanny.

I'm genuinely thinking of getting a passport and just seeing where I end up, this whole life treadmill thing just isn't working for me, jobs, houses, cars, it's all just rubbish.

consultant31

Well I'm of the opinion that once you're down at rock bottom, there's only one way you can go, so there's a silver lining already!

I recently had reason to visit a children's hospital and the sights there would make a statue weep, but the children themselves were so upbeat it made me ashamed of moaning about the pain in my arthritic hands.

What I'm trying to say is that although you may be feeling very down now, you have your health, a job, a family (albeit far away) and lots of online friends .........keep looking for the silver linings in every situation!

honeybear_2

Hi BiW

I'm blown away by how brave you've been in opening up like this & dealing with it. Your honesty is a real inspiration to me in dealing with my own financial situation, not to mention life in general.
I really hope you keep your head up high as you work your way through this tough time as you should be proud of the way you're facing your problems and dealing with them, not everyone has the guts

spykey_uk

Hi BiW,

I've just read your post from today and I can really say that I know what you are feeling. I find it so hard to count every penny, buy value foods and never go out, when my friends who earn less than me (and haven't put in the 6 years hard work to get qualifications that I have) go on round the world holidays and spend money like its going out of fashion!

Its something that has been really bothering me lately, as I have a really stressful job and desperately need a holiday, but we can't afford one this year so no hope there. But all of my friends are swanning off all over the place (one has 3 massive holidays this year, New York, a Caribbean Cruise and Magaluf) and I just don't know how they do it.

But its only going to make us feel worse to keep comparing ourselves all the time. You're doing so well in paying off your debts, and just think how happy we'll be when we get debt free!

Chin up love, and keep coming back on here when you need a moan, that's what we're here for! xxx

newlywed

spykey_uk wrote: »

Its something that has been really bothering me lately, as I have a really stressful job and desperately need a holiday, but we can't afford one this year so no hope there. But all of my friends are swanning off all over the place (one has 3 massive holidays this year, New York, a Caribbean Cruise and Magaluf) and I just don't know how they do it.

With credit cards and consolidation loans - that's how I used to do it though it was only european holidays

It will bite them on the bum at some point, I'm sure.