I'm back... Ashamed and scared.

kate_pixie

Welcome back Ruby,

I'm so glad you posted as I'm in a similar situation with the overdraft. I was debt free in October, but since Christmas have been sleeping back into old habits. This time I am determined the account will be closed when the overdraft is clear.

I've often said that you only fail when you cease to try! Good luck for the second half of the year xxx

elfen

Firstly, you are human...we ALL make mistakes, it's how we learn most of the time.
Secondly, you've had the guts to come back and say things haven't been going so well, and you're willing to change again to sort it - this is the bit that makes up human, we sometimes get a second chance
Thirdly, take a deep breath, get a nice drink to hand and pop out that SOa so the many brilliant people on here can give you a hand

rubyslipper

kate_pixie wrote: »

Welcome back Ruby,

I'm so glad you posted as I'm in a similar situation with the overdraft. I was debt free in October, but since Christmas have been sleeping back into old habits. This time I am determined the account will be closed when the overdraft is clear.

I've often said that you only fail when you cease to try! Good luck for the second half of the year xxx

Thanks Kate. Sorry to hear things have been a bit rubbish for you, too. But hey, here we both are facing up to things! We can be proud of that. Thank you for your wise words and good luck to you, too.

Ruby x

rubyslipper

elfen wrote: »

Firstly, you are human...we ALL make mistakes, it's how we learn most of the time.
Secondly, you've had the guts to come back and say things haven't been going so well, and you're willing to change again to sort it - this is the bit that makes up human, we sometimes get a second chance
Thirdly, take a deep breath, get a nice drink to hand and pop out that SOa so the many brilliant people on here can give you a hand

Thank you! Such kind words. As I've said above, I'm definitely not looking for sympathy as I've been a silly, immature fool but support and advice would be wonderful right now! I know there are terrific people here so hopefully once my SOA is up tonight I can start looking for the tiny pinprick of light at the end of the tunnel.
Thanks for your post

Ruby x

Happytogetdebtfree

Well im looking forward to seeing it ive just started using the harv eker jars system for good budgetting etc etc be positive it will sort its self out xx

LittleMoog

JordanRHughes wrote: »

I feel a little better that I'm not the only one. I have fallen victim to my old habits.

I wish I knew of some sort of interactive calender that alerts mes when bill have to be paid.

Cheers.

In the red...

Hiya, if you have Outlook email, you can set up recurring tasks with a reminder each month. You can probably also set a reminder/alarm on your mobile phone calendar, but it might not do the automatic recurrence.
Alternatively, pick a date, eg day after payday for me, and pay all bills in one sitting on the same day each month

Moneytroubles_2

Hey hun, I havent read the whole thread but just wanted to welcome you back, I could have pretty much wrote your first post, I posted yesterday for the first time since March, I also used the site every day before I stopped coming on, I cant even tell you why I stopped visiting, I think I just got content with it and as I had paid of three debts just thought I was well on my way to becoming debt free, how wrong was I!

So now im back and here for the long haul, so hopefully will see you around :-) xx

rubyslipper

Moneytroubles wrote: »

Hey hun, I havent read the whole thread but just wanted to welcome you back, I could have pretty much wrote your first post, I posted yesterday for the first time since March, I also used the site every day before I stopped coming on, I cant even tell you why I stopped visiting, I think I just got content with it and as I had paid of three debts just thought I was well on my way to becoming debt free, how wrong was I!

So now im back and here for the long haul, so hopefully will see you around :-) xx

Hello love

Thanks for the great message and for your really lovely words. I'm so heartened to know I'm not the only one to experience a relapse and that people are supportive rather than calling me stupid (which I deserve!). I know what you mean about becoming complacent, I paid off both cards and my overdraft and thought I was bulletproof! Idiot.

Just about to do my SOA. Will post on the DFW forum. Thanks again & good luck with your journey this time round. We're in it together!

Ruby x

Happytogetdebtfree

Money troubles i thought youhad gone quiet lovely to see you ruby good luck with the soa xx