Stop being a Wimp!... DMP Journey

Ellieseleven

Right, today my salary has gone into our existing bank account (for the last time) so starts our new lifestyle of budgeting properly:)

Still waiting for the details of our new bank account but as soon as that comes through I can start moving all our DD's over.

I have 14 envelopes ready to start filling with our monthly budget amounts, each one labelled with a different item e.g. car, work, food etc. - I'm doing it this way so that I can keep an eye on each without it all being swallowed up in one place.

It feels very strange that we have money to be able to set up a budget, usually everything that we have is thrown at debt.

I'm feeling quite positive today (I'm sure that will change!!)

Well, onwards and upwards:)

Panic rating 4/10
Bladder ebhind eyes 3/10
Feeling of failure 4/10
Support from OH 10/10

Ellieseleven

New bank account details received this morning, now in an utter state of panic!!! (knew my positive stance would change - see last post)

There's so much to do, take money out of existing account and move it to new account. Let DD's go out of existing account for mortgage, insurance, gas, elec etc. and then cancel DD's

Send everything to CCCS

Buy more postal orders

Put money away according to budget - now worrying whether there is enough

My head feels like it is about to explode and my nerves are shattered - not sure that I can keep this up????

On the bright side...... can't think of anything:o

Panic rating 10/10
Bladder behind eyes 8/10
Feeling of failure 10/10
Support from OH 8/10

jackies41

Hi Ellie sorry to hear about your daughter

I know the feeling about doing something wrong thats how I feel. Going to post office Monday to make my first payment of £169 to CCCS, Feeling very guilty as well that my money isnt going to creditors Oh well onwards and upwards.

Hope you are ok Jackiexxxxx

Ellieseleven

So everything is now ready to send to CCCS tomorrow and I have moved some money to new account and started to cancel DD's on old account.

Have my postal orders ready to send off tomorrow as well.

OH is being a pain in the a!se - I think that he has got fed up of all this already as he is complaining that it is dominating every conversation and he thought that I would be over it by now:mad: Hello!! he just doesn't get it!! Sometimes I wish I had his attitude and could just shrug it off but I'm not like that. He doesn't feel guilty about what we are doing at all and just thinks that the CC's have had many thousands over the years so it's high time we said no more.

All that this will do to me is make me withdraw and not discuss anything with him, so I will need my MSE pals more than ever:T

I've calmed down from yesterday a bit but I'm not sleeping well and think that I'm having panic attacks i.e. heart feels like it's bouncing out of my chest and my head is aching constantly, nerves are completely shattered.

Panic rating 9/10
Bladder behind eyes 6/10
Feeling of failure 9/10
Support from OH 0/10

jackies41

Hi Ellie

Sorry to hear you are not feeling great today. Im not either I keep going to my file and looking at the letters from Barclays the overdraft one looks so threatining bit worried about it might give cccs ring tomorrow.

I too wish I could shrug it all off but you cant its constantly in the back of your mind hope this feeling goes away.

Just done a very basic shop at Waitrose kids need their hair cut, petrol in the car, and unfiroms to buy tomorrow then Im keft with not much for the rest of the month, oh !!!! that feeling again.

Lets hope tomorrow is a better day

Keep smiling if you can Jackiexxxx

Ellieseleven

Hi Jackie, I know exactly the feeling you are talking about:) I think that its the waiting that worse, it just feels as though you are in limbo all the time and doing normal things just feels surreal:o

Anyway, cleaning the house at the moment to take my mind off everything, just day dreaming about winning the lottery:rotfl:

Take care
Ellie xx

jackies41

Hi Ellie

Yes the waiting is the worse, like you trying to keep busy but keep coming back to this thread think need reasurance that im doing the right thing.

If I win the lottery I will send you up some

Speak soon Jackiexxxxx

Ellieseleven

I posted on here that we were being charged £50 for going 97p overdrawn - well I've rung up (now that we have received our statement) and had the charges waivered Yay!! I would never of done this without everyone's comments, so thanks to you all!!:T

Today I'm going to send off more token payments and all the stuff to CCCS

Feeling a bit calmer today - still playing the waiting game, we've had a few phone calls from withheld numbers but we're just ignoring those

Panic rating 6/10
Bladder behind eyes 7/10
Feeling of failure 7/10
Support from OH 1/10

And Jackie, re: the lottery if we win I'll return the favour:rotfl::rotfl:BTW I'm quite good at getting the next numbers to the ones that come out (4 this weekend!)

jackies41

Hi Ellie

Good that you got those charges waivered well done!!!!!! going to post office this morning to pay first payment to CCCS feels a bit weird that I am not in control of my finances and someone else is, but hey I havnt been in control for quite a while now.

Dont know why but woke up at 5:00am feeling shaky and panicky about things this morning hope I dont get any phone calls cant be bothered to speak to anyone today
dont feel strong enough.

Hope I get some acceptance letters today who knows!!!!!

Jackiexxxxx

jackies41

Hi

Next have accepted reduced payment Yeah!!!!!