21 and in a complete mess : ( !!

purplehat_3

Hi Danni
For what its worth, I don't think you are in a complete mess and you can recover without going bankrupt. Well done for recognising the problem and taking action to deal with it.
My suggestion is that you seek out a friend who has got their finances well under control, and preferably one who is known to be mean about money. Ask them to spend some time with you. The friend can observe you closely and throw up ideas. There will be hundreds of little ways that you can save money but which may not have occurred to you. e.g. my daughter because of eating problems insisted on buying healthy sandwiches at M&S. If she bought the food to make sandwiches, she ate all the food before making the sandwiches!. She was spending a considerable sum of money. Now she makes all her sandwiches but they are kept in the freezer of a workmate who takes one pack a day to work along with her own sandwiches. Not only has she saved £15.00 a week, but she has now got her eating under control. In this situation, I would and have loaned my dughter the money to pay off her debts. She pays me back, together with interest at a sustainable rate. I am very tough minded with her and do not allow exceptions or time off. Are your parents able to do something similar?

DanniL_2006

purplehat wrote:

Hi Danni
For what its worth, I don't think you are in a complete mess and you can recover without going bankrupt. Well done for recognising the problem and taking action to deal with it.
My suggestion is that you seek out a friend who has got their finances well under control, and preferably one who is known to be mean about money. Ask them to spend some time with you. The friend can observe you closely and throw up ideas. There will be hundreds of little ways that you can save money but which may not have occurred to you. e.g. my daughter because of eating problems insisted on buying healthy sandwiches at M&S. If she bought the food to make sandwiches, she ate all the food before making the sandwiches!. She was spending a considerable sum of money. Now she makes all her sandwiches but they are kept in the freezer of a workmate who takes one pack a day to work along with her own sandwiches. Not only has she saved £15.00 a week, but she has now got her eating under control. In this situation, I would and have loaned my dughter the money to pay off her debts. She pays me back, together with interest at a sustainable rate. I am very tough minded with her and do not allow exceptions or time off. Are your parents able to do something similar?

Yeah that is a good idea as i was spending quite a bit on lunches but have started bringing them into work with me.

I would tell my parents but i dont think theyd beable to help me out much. I just know they would be absolutley furious and ashamed of me for getting myself in this mess, i dont know what to do im feeling really crappy today, i have no money and its only the beginning of the month, ive got lots of bills to pay and i just cant see how it can get any better.

I know i can sort this out just feeling a bit sorry for myself today!

Thanks for all the msgs of advice.

DanniL_2006

wrighty wrote:

Hey danni!

There is always light at the end of the tunnel trust me! I am 23 and was in a similar position to you at the beginning of the year I owed about £12k altogether . You have come to the right place. Thanks to the great people on this board and parents support I now only owe £9k thats £3k wiped off my debts in about 3 months!! At this rate im looking at debt free this time next year!

Its always comforting to know people are in the same boat as yourself!

What did you do to get yourself out of the mess!

Dotdot

Try megatrain (look on their website) for cheap travel Southampton to London. They have routes all over the country.t I recently went Waterloo to Exeter for £16 return. Megabus (see website) £1 single from Milton Keynes to Victoria. GREAT you're getting it sorted now.

C_Ronaldo

danni

could you and your bf not share a place

BullyCornedBeef

Hi Danni,

I used to spend about £3-£4 per day on lunch. Not a lot of money but taking my own packed lunch to work with me saved £60-£70 per month!!

You made the right decission by coming on here and I wish you well.

bobbadog

BullyCornedBeef wrote:

Hi Danni,

I used to spend about £3-£4 per day on lunch. Not a lot of money but taking my own packed lunch to work with me saved £60-£70 per month!!

You made the right decission by coming on here and I wish you well.

Snap I gave up buying lunch and those sneaky cans of diet coke from the vending machine - since coming on here i've saved 60p a day on Diet Coke - adds up to a £12 a month habit that I don't need (and enough to clear, for instance, my TV License Direct Debit)

I also wish you well Big thanks to everyone who's helped me so far x

BullyCornedBeef

bobbadog wrote:

Snap I gave up buying lunch and those sneaky cans of diet coke from the vending machine - since coming on here i've saved 60p a day on Diet Coke - adds up to a £12 a month habit that I don't need (and enough to clear, for instance, my TV License Direct Debit)

I also wish you well Big thanks to everyone who's helped me so far x

You can buy your diet coke (like me) at the super market in a 12 pack and it works out at about 20p per can! Bargain!

C_Ronaldo

or you could take your own drink from home

POSSETTE

tell them danni...tell them..they cant help you,if they dont know your position sweetheart..you can tell complete strangers on here,but not mum and dad??..just show them this thread of replies you have had,it will prove to your parents that you are comitted to getting out of debt, and that if strangers can offer help,im sure they will for a few months.good luck