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One day/debt at a time

katch22
Posts: 30 Forumite
I promised myself that I would only start this diary if I got my all clear at the hospital tomorrow. I have already bored several people with my story so I will give everyone the short version...
I lost my beautiful daughter Jo 26 November 2003, we had 18 years, 8 months and two weeks of love, laughter and joy. The pride I have in her fills a little of the hole she has left behind. :A
My marrage broke down October 2006, abusive ex refused to move, refused to pay. Started my own business January 2007 (nuts I know) and started very well, employed 8 wonderful people. Got breast cancer May 2007, no it wasn't in my business plan, and I can tell ya I have struggled with energy and confidence since. IOn th eplus side I have made some fabulous freinds at the BC clinic.
Kept the business going, no idea how I'm just stubborn, but sadly had to let everyone go last December when the court decided that ex could have half of my personal critical illness payment...... hey that's the law. Now it's just me and my sister trying to keep it going. It's not looking great.
Moved back into my house this February after no less than 6 court trips, the house has now been signed over to me (no equity in it but its where I lived with Jo and I won't let it go). I have had to pay 2K a month towards arrears and the payment has now dropped to 1022.95 a month.... a bargain!! :rotfl:
This all sounds doom and gloom, it isn't. I have the most perfect family, they are all very supportive. My partner who I have now been with for 18 months is currently working 6 days a week to try and keep on top of our bills. I am in debt with 3 credit cards. I haven't done much about this yet, I have written to them all and asked them to stop the interest etc (they haven't by the way) and supplied a copy of a letter from my surgeon and angel explaining why I haven't been earning much/working etc.
For my latest challenge..... I am back at the hospital tomorrow at 2.30 to find out if I have secondary breast cancer. I have another lump but it feels very different to the last one so I'm hoping that it will be OK. Already had the mammogram, scan, bloods etc now I just need the results. In the meantime whilst I wait, which is always the worst part, I'm kinda stuck. So I had promised myself that I would start my own debt free journey & diary once I got my all clear. But having read Brokeinwales thread I realised that you are all such a supportive lot that I would spill my guts now.
I know I should be doing all sorts to sort my debts but I just need another day and my angels on my side for tomorrow and then watch me go.
I have found this site such an inspiration, always makes my feel good to read through.
So if anyone can spare the time please send positive vibes at about 2.30 tomorrow.
Thanks x
I lost my beautiful daughter Jo 26 November 2003, we had 18 years, 8 months and two weeks of love, laughter and joy. The pride I have in her fills a little of the hole she has left behind. :A
My marrage broke down October 2006, abusive ex refused to move, refused to pay. Started my own business January 2007 (nuts I know) and started very well, employed 8 wonderful people. Got breast cancer May 2007, no it wasn't in my business plan, and I can tell ya I have struggled with energy and confidence since. IOn th eplus side I have made some fabulous freinds at the BC clinic.
Kept the business going, no idea how I'm just stubborn, but sadly had to let everyone go last December when the court decided that ex could have half of my personal critical illness payment...... hey that's the law. Now it's just me and my sister trying to keep it going. It's not looking great.
Moved back into my house this February after no less than 6 court trips, the house has now been signed over to me (no equity in it but its where I lived with Jo and I won't let it go). I have had to pay 2K a month towards arrears and the payment has now dropped to 1022.95 a month.... a bargain!! :rotfl:
This all sounds doom and gloom, it isn't. I have the most perfect family, they are all very supportive. My partner who I have now been with for 18 months is currently working 6 days a week to try and keep on top of our bills. I am in debt with 3 credit cards. I haven't done much about this yet, I have written to them all and asked them to stop the interest etc (they haven't by the way) and supplied a copy of a letter from my surgeon and angel explaining why I haven't been earning much/working etc.
For my latest challenge..... I am back at the hospital tomorrow at 2.30 to find out if I have secondary breast cancer. I have another lump but it feels very different to the last one so I'm hoping that it will be OK. Already had the mammogram, scan, bloods etc now I just need the results. In the meantime whilst I wait, which is always the worst part, I'm kinda stuck. So I had promised myself that I would start my own debt free journey & diary once I got my all clear. But having read Brokeinwales thread I realised that you are all such a supportive lot that I would spill my guts now.
I know I should be doing all sorts to sort my debts but I just need another day and my angels on my side for tomorrow and then watch me go.
I have found this site such an inspiration, always makes my feel good to read through.
So if anyone can spare the time please send positive vibes at about 2.30 tomorrow.
Thanks x
DFW Nerd No 1218 :T
0
Comments
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I just wanted to say you sound absolutly amazing
I am sending positive vibes from now till you are done at 2.30 xxxxDebt £30,823.48/£44,856.56 ~ 06/02/21 - 31.28% Paid OffMortgage (01/04/09 - 01/07/39)
£79,515.99/£104,409.00 (as of 05/02/21) ~ 23.84% Paid Off
Lloyds (M) - £1196.93/£1296.93 ~ Next - £2653.79/£2700.46 ~ Mobile - £296.70/£323.78
HSBC (H) -£5079.08/£5281.12 ~ HSBC (M) - £4512.19/£4714.23
Barclays (H) - £4427.32/£4629.36 ~ Barclays (M) - £4013.78/£4215.82
Halifax (H) - £4930.04/£5132.12 ~ Halifax (M) - £3708.65/£3911.20
Asda Savings - £0
POAMAYC 2021 #87 £1290.07 ~ 2020/£3669.48 ~ 2019/£10,615.18 ~ 2018/£13,912.57 ~ 2017/£10,380.18 ~ 2016/£7454.80
~ Emergency Savings: £0
My Debt Free Diary (Link)0 -
Big hugs hun
Positive vibes booked non-stop until 2.30 tomorrow0 -
That is an amazing story, you sound so positive. Will also be sending good vibes for you from now till whenever you need them. Im sure there will be lots of visitors to your diary me included, they are a lovely bunch on here and lots of welcomes.:TVisa £[STRIKE]5063 [/STRIKE]now 0. Loan 1 €[STRIKE]4885[/STRIKE] now 0. Loan 2 €29,590 now €0 as of 22/02/2016 Mgage €55000/ €23,639 at 01/02/18
Proud to be dealing with my debts - DFW Nerd 1209 Keep on keeping on folks DFD FEB 2016 MGE FREE 2024 (hopefully earlier)0 -
What a lot you have been through and yet you sound like you are pulling through mentally and fingers crossed physically as well.
Really glad you have a good support network from your partner & sis. The finance and debt stuff can be draining but the health has to come first, other things can wait for later.
Hope to hear some good news on your diary tomorrow.A smile enriches those who receive without making poorer those who giveor "It costs nowt to be nice"0 -
Thank you for the lovely messages. I'm sure that I will have good news tomorrow.. I just don't have the courage to think of the alternative... besides I have way too much still to do to be ill. These messages combined with others from the Breast Cancer website should be enough to swing things in my favour.
I will post here when I have my news and then commence my debt free journey, in the meantime I have treated myself to an apple turnover and plan to savour it whilst I drink my way through the last of my favourite expensive coffee. Life is great.
Thanks again xDFW Nerd No 1218 :T0 -
Hi
Just read your diary, I wish you all the luck in the world tomorrow. You must be a very strong lady to withstand everything you have been through. Fingers (and everything else) crossed for you.
Enjoy your apple turnover and coffee
WoS
xLBM 5 March 09Starting DMP with CCCS 1st June 09DMP No 286:j0 -
Morning all. Thanks again for all the messages.
Well the sun is shining here in the West Mids..... gotta be a good sign, oh and I still have some coffee left. Amazingly I slept straight through until 6 having expected a sleepless night but I couldn't get back off so I'm up and at 'em. Should have a super clean house by the time I set off for the hos, it's only down the road so won't leave until 2. OH has already gone to work so he can make his day up, bless him, so a quiet house. As soon as I know I won't disturb my lovely neighbours I plan to put some loud music on and dance my way around the house with the hoover. Denial..... works for my everytime.
Have a great day everyone, will post my news later xDFW Nerd No 1218 :T0 -
Hi katch22
I just wanted to say I think you are amazing and I'll be keeping everything crossed for you today.
Polly x0 -
just to say good luck for todayDEBT
31/12/2018 = £21,740.10 - 31/12/2019 = £18,581.29 (14.53% PD)
31/01/2020 - £18,685.22 (14.05% PD)0 -
good luck from me as well. really hope its the news that you deserve.
gxxDebt free 3 years early :j
Savings for house deposit - very healthy
Cash back earnt so far £14.570
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