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Ellie's DF Diary

1246

Comments

  • Aww bless you. I hope the pack brings some advice or comfort. Have a cuppa and try to relax. Panic is never fun. :(

    Some people are unreal about what they expect - I hope your OH had a laugh from i anyway! :)

    Keep reaching for the sky cos you just might catch a star ;)
    Proud to be dealing with my debts one step at a time.
    Weight Loss Progress - 0 out of 56lbs
    WBDF's 'Weight Loss Challenge to Christmas 2009' Progress - 0 out of 21lbs
    Part of the DFW Addicts '''Blankie Club'' - Working my way to VEGAS baby
    October NSD's 0/10
  • Sometimes I think we would be better on a DMP, at least we would have some money to live on each month (if I go by the figures on the CCCS website) but I just can't make the decision, I procrastinate too much!!

    Well done on the eBaying, I have sold one of three items atm, but have piles of stuff I should get rid of!!

    x
    I believe that I have the strength to make my dreams come true
    :T September Challenge £5 per day - £0/£150 :T
  • Im going to start ebaying soon so i'll have to come to you all if I need any tips! :)
    Proud to be dealing with my debts one step at a time.
    Weight Loss Progress - 0 out of 56lbs
    WBDF's 'Weight Loss Challenge to Christmas 2009' Progress - 0 out of 21lbs
    Part of the DFW Addicts '''Blankie Club'' - Working my way to VEGAS baby
    October NSD's 0/10
  • Ellieseleven
    Ellieseleven Posts: 2,118 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    I haven't posted to my diary for a while as I have been hiding!!!

    I think that yesterday was my lowest point! I know that everything is getting the better of me and I am making myself ill with worry for instance I missed a junction on the motorway and then sat and cried for half an hour because of it... so thats not rational is it?

    Today I am trying to be positive and have written my first letter explaining that I cannot make the full payment expected to one of my CC's. I've written to MBNA and offered a £50 token payment, I'm so frightened of the outcome of this but I cannot keep paying them, everytime I make a payment the next one is higher? In total this year I have paid £3000 off this card (£500 one month), haven't used it and cut it up about 18 months ago but my minimum payment has gone from 100 per month to 180!!:eek: So I'm trying not to feel guilty that I haven't paid them the full amount. Just waiting for the phone to start ringing!!
  • honeybear_2
    honeybear_2 Posts: 3,914 Forumite
    Ellie, I've just read through your diary & first of all I want to send you big big hugs

    You have a lot to deal with it but facing up to it is the first (& hardest) step so well done for that.

    Try, as much as you can, to keep things in writing & get to any creditors before they get to you. To be seen as being proactive in addressing things ehlps, I think. I'm sure others will have advice on this too.

    Finally, and most importantly, you sound to me like you're suffering from depression with what you've said previously about mood swings & crying over the missed junction. It's entirely understandable with what you have to cope with it & I say this as someone who once shook head to foot when going outside due to depression. I'd really recommend going to see your doctor about it because your health is ultimately more important than any debt.

    Best of luck with everything
    @ LBM = £15,872.65, now £10,819.82
    AF Jan = 7/? Feb = 5/14 Mar = 14/20 Apr = 6/14 May = 2/14 June 2/14 July 0/TF Aug 1/TFv Sept 6/TF Oct 4/7
    "NEVER DOUBT YOUR OWN QUALITY"
  • Ellieseleven
    Ellieseleven Posts: 2,118 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Thank you Honey Bear.. I know that I am suffering from depression (I'm crying just reading the kind things that you have said!) and I have been to see my Doctor, I have been off work sick for 2 months but went back last week as I felt under pressure to do so. I am trying to be positive but it's really hard, I suppose once I have got the ball rolling with my creditors I might feel better as it's the situation of not being able to pay what I owe that is weighing down very heavily at the moment.

    Thanks again :T
  • honeybear_2
    honeybear_2 Posts: 3,914 Forumite
    edited 8 November 2009 at 4:15PM
    Doh! Supposed to make you feel better not make you cry ;)

    It is tough & sometimes stopping & having a cry is a perfectly reasonable way of dealing with things. And then it's important to pick yourself up a do a little more - baby steps and you'll get there :)

    Plus you have these boards, which are full of help & support so you've got people with you every step of the way :)
    @ LBM = £15,872.65, now £10,819.82
    AF Jan = 7/? Feb = 5/14 Mar = 14/20 Apr = 6/14 May = 2/14 June 2/14 July 0/TF Aug 1/TFv Sept 6/TF Oct 4/7
    "NEVER DOUBT YOUR OWN QUALITY"
  • Ellieseleven
    Ellieseleven Posts: 2,118 Forumite
    1,000 Posts Combo Breaker Debt-free and Proud!
    Thank you Honey Bear... I have posted off the first "I can't pay you the full amount" letter and think that I feel better for doing so! No going back now!!
  • Well, I posted my first letter to one of my creditors offering £50 per month and the phone calls have started today!! Now panic stricken again!!

    On the plus side OH has work this week :T
  • The word is that there are to be redundancies where I work in January... I am very tempted to volunteer if the price is right as I have got nearly 10 years in. The problem then will be to get another job!! I hate my job anyway and have already been looking for other things, so part of me says go for it and the other part says stay whilst you have a job..... Hmmmm what to do??

    Feelings of stress and depression hanging over me all the time and my job does not help!!
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