Single and in Debt Part 3- The problem of surplus and excess women

Bowski_1011

Brilliant news Carole :j Every little helps.

Unfortunately I've not had such a good day Went to ask about my car and the mechanic wasn't there even thought he told me yesterday that he'd ring Renault for price and get back to me :mad: So I'm still none the wiser as to what's happening and how much it's going to cost me.It's been a week today :mad: Anyways, when I went to the garage I saw my car, it's still parked on the front street and the bonnet has been kicked in :mad::mad::mad: DD was with me so I tried my best not to cry but I think she knew I was upset. I feel gutted, I know it's only a car but it's my car and nobody's got the right to go and put lots of dints in it, I am so gutted and angry. I thought the mechanic could have least told me aswell and then I could have been prepared when I saw it.

Hope everyone else has had a good day :beer:

lilmissmup

CaroleM wrote: »

Cant remember who mentioned this, sorry, but - I was at the Green Day at Milton Keynes thing too! It was ace, I have the best photos of that day.

It was me.

I don't have any pics but then again I went with the now ex so might be a good thing.

I am in a bad mood too, tempted to go to tesco to buy cake and stuff my face.

ziggles50

lilmissmup wrote: »

It was me.
I am in a bad mood too, tempted to go to tesco to buy cake and stuff my face.

Too late beat you to it!
I'm hormonal and grumpy too and obviously since i lost 3lbs that means i MUST stuff my face at every opportunity!:mad::mad:
AAAARRRRGGGGH:eek::eek:
Lamb for supper and a bag of mini fingers to help it down...i'm gross yes i knw:o:o

lilmissmup

I had special fried rice for tea, carbs are good at cheering me up.

sarahb123_3

Well done Carole on your victory, every little helps and better that the money is in your pocket rather than theirs:D

Sorry to hear about your car Bowski, that's awful . What a mean thing for someone to do:mad:

I am getting a little panicky again about money, I really am carp at this and I had such a bad period with work over th summer months and to be honest I was just spending on my card to pay rent etc and to cheer myself up. Have just checked the balance and it is not good. I ned a challenge to get myself back on track, it's no good being frugal with food etc when I need to make a concerted effort to get myself debt free, in my own home and with monry in the bank. I need to look at everything.

So, I received my new debit card a few weeks ago which runs from Oct 09 to Oct 12. So I am going to challenge mysekf to get myself into my own home by then. I do not know how I am going to do this, just that I am going to do it. My target will be £15k in my ISA which will be my life savings and 100% of my house deposit. I am sick of living in rented accommodation but I do not want to move somewhere and overstretch myself mortgage wise or I will be panicking again. God I am so sick of this.

I really need to get cracking as I will be 40 by then and I need my own space, plus I am beginning to worry about being a little old lady and having to spend my old age having to pay rent until I die because I didn't get my backside into gear and sort it when it should have been sorted.:eek:

I was waiting until the pay off £20,000 ish thread started again in December but I am beginning to worry myself and as always I need a plan to keep me going. So I am going to do my own version starting from Nov 1st for a year and try to pay/save £20,000 in a year. I don't know how I am going to do this but I am going to jump in and have a go and really push myself.

I know I keep doing this:o but I have to stop faffing around and act like a grown up.:o I frighten myself at how carp I am with money and that because I have credit available that means I think it's okay to dip into it. I am going to have to become a responsible adult:eek:. I simply cannot begin my 40s behaving like an !!!!! with money because it is ridiculous and it has to stop. I have to face the possibilty that I will be alone my whole life and I cannot have in the back of my mind that marriage and babies are just going to turn up and I will meet someone with a good job and it will turn out alright, because there is the very real possibility that that might happen.

Today I logged on to my internet banking to find bank charges of £120:eek: which was all my own fault for not keeping an eye on things and moving money around. It could have easily been avoided. :mad: I have got to stop this. It's pathetic. I am an intelligent person with a good job. I start every challenge with the best of intentions, get bored and drop them. So I will only have one challenge, to pay off/save £20,000 in a year and everything I do will be geared towards that. I will update my sig every day. I am going to have a think about the things I can do to achieve this but the main thing is that I get to my target of £20k.

Sorry for the ramble but I don't have a diary and I am mightily !!!!!! off with myself today.

skint_spice

Sarah, I love that proverb about the best time to plant a tree being twenty years ago and the second best time is today... It sounds like you are really determined and if you really want to there's no reason you can't turn your life around from now onwards. Good luck sweetie. x

sarahb123_3

skint_spice wrote: »

Sarah, I love that proverb about the best time to plant a tree being twenty years ago and the second best time is today... It sounds like you are really determined and if you really want to there's no reason you can't turn your life around from now onwards. Good luck sweetie. x

Thank you, am just starting to really panic I think, I always had in my mind that I would be in my own home by 40, but as that is creeping closer and closer:eek: I am really going to have to get cracking.:rolleyes: I do need to turn my life around, I am too old to be behaving like this. I know I can do it, I just need to be more organised and less lazy. I like that proverb too, it's very apt at the moment

skint_spice

sarahb123 wrote: »

Thank you, am just starting to really panic I think, I always had in my mind that I would be in my own home by 40, but as that is creeping closer and closer:eek: I am really going to have to get cracking.:rolleyes: I do need to turn my life around, I am too old to be behaving like this. I know I can do it, I just need to be more organised and less lazy. I like that proverb too, it's very apt at the moment

I feel much the same way myself Sarah only I AM forty:p! I own my own home but it's horrible and needs loads doing but then again I do have a wee bit of equity in it now so I'm just kicking myself up the bum to make the savings needed to tart the place up and move:D. I have frittered soooo much money over the years it's awful and it was only when I got to about 37 I realised I needed to change if I wanted somewhere nice to live:o. But I'm getting there and hopefully this time next year...

makeup

Good luck with your plan Sarah, sounds like a real challenge but I'm sure you can manage with it.

I can't think of any useful advice right now but I'm sure there is a ton of info on this board and hopefully you will find some good ways to save / make some money!

sarahb123_3

skint_spice wrote: »

I have frittered soooo much money over the years it's awful and it was only when I got to about 37 I realised I needed to change if I wanted somewhere nice to live:o. But I'm getting there and hopefully this time next year...

If I had all the money I have frittered away since I got a proper job I would be in my own house with no mortgage now. :rolleyes: How could I have been so stupid? Grrrrrrr:mad:. Well it stops now. I must be more organised and less lazy.