stuck over debts

snowqueen555

You get more benefits than what I earn per month!

Good luck with your debt, I am your age as well and thankfully cleared mine only last month.

moneypenny2k

I tend to agree with Percy. If you want things to get better then you will have to change

If you keep on doing what you're doing, you'll keep on getting what you've got.

If you really want to change how things are then you will have to make changes in how you live and behave. Time to learn how to cook. Check locally for basic cooking lessons. A lot of adult learning places do them. It's also a good way to meet new people and try out new things.

Read through the dealing with debt diaries, you'll see what people have done to get themselves sorted. Sorry none of us have a magic wand to make it all go away, if we had, none of us would be here. I know it's hard, especially with all your problems but I'm sure if you start making small changes soon the bigger changes won't seem so bad.

I know it makes you feel but if you really want to change things you're gonna have to take the bull by the horns and grit your teeth.

you can do it.

ash4becks

Percy1983 wrote: »

Just reading the above it seems you do have the money to clear the debts but you seem resistant to any cutback in your current lifestyle.

i have just done this of the top of my head quick, iam concerened at my health geting worse than it already is and having to get a carer in then alot of that money isnt there no more , been told i have to work out to strenghen musles swiming best low inpact so thats a cost not been added

ok the clothes fair enough weight has went on so some do need replaced , was naughty yesterday and spent 328 but did save 92 with online code but this will last good 6 months min and alot was for working out with this was of a backdate of dla thou

i do eat alot of takeaways with me being down and cooking feels like hell and standing for more than a few mins painful i have just got a perching stool yesterday though so should help ,

shoping wise some of this extra cost will be towards washing powder as i do go though alot or allergys worse

i do try and save using ebay but stuff i need has to be close by for it to be cost affective

the holday is all i have in the way of geting out i dont go clubing because i cant like a 24 year old would

snowqueen555

You don't seem willing to cut back on anything, how can you get out of debt with this mentality?

ash4becks

snowqueen555 wrote: »

You get more benefits than what I earn per month!

Good luck with your debt, I am your age as well and thankfully cleared mine only last month.

i no alot of people do but you wouldnt want to have the health issues i have though , one day i do what my own place bought and payed for just not sure that will be a possiblty health wise that something you may have now and thanks x

downnotout

Without sounding harsh, I have worked with people with various health issues (alot with mental health issues) for most of my working career. It seems at the moment you are at the stage where you realise you have a problem financially, and perhaps 'ought' to do something about it. Unfortunately you seem unwilling to even contemplate making changes to your 'lifestyle' to work through these problems. People WILL help you, but they CAN NOT do it for you. If I was you I would take a long hard look at your out goings, writing everything down on paper on a daily basis and try to cut out one thing at a time. If it is the take aways, instead of having 5 night out of 7, reduce that to 4 nights out of 7. With the clothes expense, don't shop online for branded cloths. Have one branded garment (ie a top), and then go to somewhere local and buy a cheapo brand pair of bottoms to match.

Without changing the way that you look at the problems, you can not work out a solution. Like I say I don't want to sound harsh, but try to be realistic with your expectations. good luck!

ash4becks

downnotout wrote: »

Without sounding harsh, I have worked with people with various health issues (alot with mental health issues) for most of my working career. It seems at the moment you are at the stage where you realise you have a problem financially, and perhaps 'ought' to do something about it. Unfortunately you seem unwilling to even contemplate making changes to your 'lifestyle' to work through these problems. People WILL help you, but they CAN NOT do it for you. If I was you I would take a long hard look at your out goings, writing everything down on paper on a daily basis and try to cut out one thing at a time. If it is the take aways, instead of having 5 night out of 7, reduce that to 4 nights out of 7. With the clothes expense, don't shop online for branded cloths. Have one branded garment (ie a top), and then go to somewhere local and buy a cheapo brand pair of bottoms to match.

Without changing the way that you look at the problems, you can not work out a solution. Like I say I don't want to sound harsh, but try to be realistic with your expectations. good luck!

i do want to change, i do feel in limbo and yes it is about time this was sorted not hagging over my head , but at the sametime i will not always have the money i have now if for any resaon dla stoped as its reviewed every few years

clothes wise i will do half second hand i do love my charity shops and half new theres something like bras etc then its more hygine than anything else

ok cooking i will try think the good old tom and jerry cakes may make a apperance and cut down on my sweets which iam terrible for often use them as a energy boost if iam tierd like iam most of the time

insurence does need looked at though

downnotout

That is another thing with the current circumstances, they may and possibly will change at some point in the future. However think of it like you debt will have reduced some by that time, and change your repayment strategy as and when it happens.

Kepp

I'm not good on the technical stuff, have only just posted myself recently for advice on my debts (nearly 25K and I'm 26)

But just wanted to say that I agree with a lot of what people have said, if you could make just a few cutbacks then you would start to see spare cash appear that could be used to chip at your debts.

i know the feeling of it all seeming uphill, I'm often tired from working so many hours to get the money to pay this back, but you also can do it.

It seems very depressing at times but if you keep plodding, make the changes one at a time, your lifestyle won't change drastically all at once but at the same time you'll gradually free up cash which will gradually bring the debts down and you'll start to feel better.

Good luck

snowqueen555

ash4becks wrote: »

ok the clothes fair enough weight has went on so some do need replaced , was naughty yesterday and spent 328 but did save 92 with online code but this will last good 6 months min and alot was for working out with this was of a backdate of dla thou

i do eat alot of takeaways with me being down and cooking feels like hell and standing for more than a few mins painful i have just got a perching stool yesterday though so should help ,

shoping wise some of this extra cost will be towards washing powder as i do go though alot or allergys worse

Sort out your shopping habits, seems like thats a real issue here, you can save for weeks and weeks but whats the point if you are going to cave in on a whim and blow all that hard work?

No more clothes, no more daily takeaways (maybe every weekend as a treat)

£50 is enough to feed a family for a week, let alone a lone person