Help Please!!!

newleaf

If weight is not currently an issue for you, I can recommend the yoghurts from Lidll. The 17p ones are absolutely Lush, - but they do contain 10% fat so not good for porkers like me, sadly.

Mike_St_Helens

10% fat ! my tubes wouldnt like that ... Tongue firmly in cheek as he is on his way to the pub for a WELL deserved few beers and fatty pizza....!

We only have a morrisons and a tesco... The Aldi isnt that nice...

Jessiepig

Sorry my post was harsh I am glad that you now feel a bit more positive and looking for solutions.:j All the best

Kevicho

It seems to me from this post that you need to sort your emotions and mental state out before trying to reduce your debt.

This process is a very tough one, I consider myself mentally tough, but there have been times when ive become very low.

What you could desperatly use is someone who is in the same position as you to go through the same process, so you can help each other through it.

Also in reality you need to consider your diet, if you dont eat properly then your body and mind wont function properly and the money saving will become even more of a struggle.
The fags as well, try cutting own over time.
From a health standpoint (as well as money) alone they are one of the worst habits you could have, also you may start eating properly to make up for the lack of fag in your mouth lol

Seriously though good luck with your journey, you sound like you need to make a few sacrifices along the way, but if you stick around these boards then you will be fine

All the best

Kev

BargainHunterCat

Thank you everybody! :T

Just got an email confirming I've been accepted for a 0% credit card so I'm going to transfer as much of my cc debt as poss to it & cancel the other cards - also clear my overdraft if I can. I reckon that will save me about £40 a month! Must remember to use Martin's tart alert...

It's scary when you look at how much interest is actually costing you over a period of time :eek:

I'm going to start job hunting with avengeance tomoz because I need to earn more cash - wish me luck!

ZTD

BargainHunterCat wrote:

I just remembered that Lidl sell those tinned tuna salad things for about 80p which I know I will eat at lunch time - although I'll stink the office out in the process which actually makes them even more appealing ha ha!

They also sell heavily garlicked sliced meat. They also can stink an office out, and there is so much garlic, your tongue fizzes for a while after dinner. But don't get me wrong - they really are nice. If you're into that sort of thing of course.

BargainHunterCat wrote:

I need to earn more but I'm not really qualified to do anything,

Have you looked into changing that? Evening courses etc. Sign up when you're not working, it's cheaper/free.

BargainHunterCat wrote:

Does anybody have any get rich quick schemes they'd like to share?!

Marry a rich man - worked for Heather Mills.

gallygirl

BHC, nothing to add except I agree with other posters - yes you do need to sort yourself out, stop smoking, start eating properly. BUT - if you are an emotional wreck at the moment give yourself a break.

You've cut spending to the minimum and if you are sick at the thought of eating then a little bit of what you fancy does you good. I had a really low spell 9 years ago, dreadful insomnia and couldn't eat, survived on glucose tablets for a month. BUT I survived, so will you. Once you're feeling better then you'll be in a better position to take the final few steps.

Chin up hon, we've all been there x

Penelope_Penguin

Can I give another plug for Citizens Advice. We can look at your financial statement, and negotiate payments with your creditors. It may at least buy you some time to get yourself straightened out. Depending on your detailed statement, there may be other options open to you.

It's non-judgemental, too. Your case won't be the worst that's been seen!

Take care, hun.

Penny. x

duncans-mum_2

BargainHunterCat wrote:

Thank you everybody! :T

Just got an email confirming I've been accepted for a 0% credit card so I'm going to transfer as much of my cc debt as poss to it & cancel the other cards - also clear my overdraft if I can. I reckon that will save me about £40 a month! Must remember to use Martin's tart alert...

It's scary when you look at how much interest is actually costing you over a period of time :eek:

I'm going to start job hunting with avengeance tomoz because I need to earn more cash - wish me luck!

Well done. Hopefully this first change will give you the initial boost that you need (sounds like it has) Good luck with the new job hunting. (and don't forget to cancel the cards as soon as you have transferred. If you are feeling low at the moment, temptation is harder to resist - been there, done that!)

All the best.