New year, New me (finally)

thrifty_fifty

Angry, upset, this is turning into quite a horrible weekend. Upset and angry at a few rather unsympathetic posts to the Virgin credit card thing. Think I will stay safely within the walls of the Debt Free Diary arena. Guzzled half a bottle of wine and now sitting here mooching, putting off the inevitable dragging out of the wardrobe my most precious things, for posting onto ebay.

This is horrible.

Triangle

Oh no thrifty

BT did the same to me (BT and virgin are both MBNA aren't they?) a while back, thought a slightly smaller hike. Horrible isn't it?

Haven't read your other post but sorry to hear you have been upset, stick around here, people are lovely :A

Thinking of you - it sounds a little silly but when I have been feeling a bit rubbish recently, I have spent half an hour or so or the competitions board. De-stresses me in the hope of winning something big one day! Might be worth a try?

x

thrifty_fifty

Thanks Triangle,

Just a bit of a blow really. I'll stop wallowing soon. Thanks for the support.

thrifty_fifty

Well trying to keep spirits high. The letter changes nothing, just means the security blanket has gone. I will be virtually paid everything off this year anyway. And maybe not getting the job means that this is someone trying to tell me to finally have that year off to sort myself out financially and emotionally.

The years 2004-2008 were packed with stressy events credit card debts, nearly losing job, finishing off degree, starting three new jobs, one being awful and having to take Head of department and boss through union, fainting because of work stress, starting and failing a masters course and selling my home, moving back to mum and dads and then moving out to new rented cottage with boyfriend. 2009 learnt new job regained confidence and passed first masters course. Phew! I guess I've been through it.

This year turning 30, no ou work because can't afford it, get mostly out of debt, try and find new job-although that would probably depend on study and can't afford that right now. Just a hanging on year really. Guess i can read the books from the course I failed, so that my brain doesn't go numb, and start it in May 2011. I will be mostly triumphant, and not drink alchohol either as it clearly doesn't suit me when in this frame of mind. Spent most of the day weeping.

thrifty_fifty

Jeez, how many times have I been on here today. I have festered all day, not done any housework, drank a bit ( glasses of wine and beer) and just made myself thoroughly upset, been bawling all day, just want the nightmare to be over. Drive away at the weekend from the city and leave all that behind, and then they intrude into your life through your post. I swear sometimes if I could have no money just food and water and live on an island with OH and no outside interference I would be happy as a lamb.

Thanks for messing up my saturday Virgin. Hope you have a crappy new year too!

claire0788

Thrifty, Im sorry your struggling at the moment but youve taken steps to clear your debt and this is just a glitch with your virgin card.

Your right selling your stuff isnt the best thing to have to do but itll help you clear out stuff you dont use/wear/like and make some money out of it.

thrifty_fifty

Thanks Claire.

I think it is when there is a readjustment in life it just throws me. There isn't any real change I guess, but that letter just served as a reminder that that have me.

Think tonight will be a fairly wrestless night, the first since my troubles at my other house began and then when I went through hell in my other job. Just want life to be simple again. Guess that is a bit of a wish though?

We're always wishing our lives away when we are kids, wanting to be grown up. I never understood why my mum said to be grateful for being young and having nothing to worry about. Now I understand all too well. I'll cheer up soon, just emotions all over the place at the mo. Stupid hey, for a bunch of shoes? I guess it is the emotional attachment though. This stuff was about portraying a new me, who meant business and was going to go out there and grab the world by the balls.

Just take it really harshly when I don't think I'm where I planned to be at certain stages in my life. Anyway enough winging, I'm sure this sounds soo pathetic. There are children in Africa who would just like to know where their next meal is coming from. I'm wineing about selling a few items of clothing.

Silly really.

claire0788

Its important to you and means something to you so its not silly !

A good thing is though that if your opting out of the increase then you CANT spend anymore so thatll help with your adjustment to things. Also are you aware of where all you money goes ? Like you dont look at your direct debits, debt payments and have unexplained expenditure ? If so then a spending diary might help and also using quidco if your up for renewal on gas/electric/insurance ?

thrifty_fifty

Thanks Claire,

It is change, but for the better. I should look at it as an insurance plan for making me stick to my goals. Had the strangest dream last night, that I was back at school and we were running the 100 metres, for once I was placed towards the front, so stood a fighting chance of winning, and I was until the guy in charge said it was a false start. Told me to get to the back to a position I hadn't been in previously. And guess what? I came last! Not sure what the significance of that was?

Anyway, today is a new day. Going to the supermarket today to stock up on packs of chocolate and painkillers and my 'get back on the diet' cola, for the next three weeks. Therefore when I have called the credit card company tomorrow to opt out and freeze the card, I still have a tasty treat to lift the spirits.

Although I can't cut up the virgin card today, I'll cut up the Barclaycard-which I don't know the pin for anyway, so can't spend on it. But anyway at least it will feel like I'm physically beating those debts.

Virgin didn't know that I intended to have that card 90% paid off by the end of the year, but I knew my intentions. So I'll carry on believing in me, and stick to my original path. I've always been determined, and that has generally worked out for me. I have lots of good friends and they don't cost anything. I have good health, and not browsing the internet for the next purchase leaves me loads of free time to help OH at the allotment.
Wahoo! Lots of the fresh homegrown produce soon.

I suppose the start is always the worst bit, because you are cutting back, but you can't see any real results yet. Going to do myself a spreadsheet with all the totals coming down.

Can't wait for June. Lots of fresh salad, strawberries. Probably no sunshine, but cc1 will be down to £4500 cc will be down to £1600 and loan down to £2814, and 4 months isn't that long to wait to see those results, and that's without selling anything on ebay. Head down and charge!!!

Fast forward three years time, I'll have cleared this lot, just finished my masters, and have £20,000 from my savings alone, toward our first house.I guess if you stick with something long enough, it comes good in the end?

thrifty_fifty

Ok just did something I probably shouldn't have. Looked at my virgin card beware post, and as expected some helpful comments, and one rather abusive one, in which I was called a drama queen. What an 'a' hole!!!!

Oh well, I guess I can be content that I don't get my life kicks by spending my weekend writing pointless bad comments on someones post. Surely if they are so clever, they didn't need to read it in the first place.

People like that. I bet they're the real topic of conversation on a saturday night. Oh wait, I just thought, what are doing staying in, browsing this website on a saturday night? If they have so much money because they are such a stalwart with it, why aren't they out with their friends? I guess with their attitude, they don't get to keep all that many.

Well that perked me up. I may be debt, but at least I'm not that person. Thank god!!! Suddenly feeling very good about myself, and you guys should too.

Drama queen. Bloomin cheek!