I have more than enough for my needs BUT I really WANT a landrover

Karmacat

Where are you with the debt, cherisong, what does it stand at?

Here's focussing on your Landrover!

MrsMoo2U

Karmacat wrote: »

Where are you with the debt, cherisong, what does it stand at?

Here's focussing on your Landrover!

Mmm and there is the rub, I havent added it up for the last couple of months. I have shuffled debts around onto 0% so at the moment it is all 0% until Feb when one deal ends. I have just moved some and had to pay a fee but that fee was only equivalent to what I was paying in interest on the other card over 2 months :eek:
It is currently standing at around £14000 all on credit cards. I console myself with the thought that this should have been on the mortgage but as I explained at the beginning of the diary the mortgage company decided to play silly beggars with only days to go before exchange. It was pull out and have to pay a 10% cancellation fee on the contract (13000) or juggle all of my cards and still go ahead with buying the flat. I had no choice really. So I have been chipping away at it. Originally I would have had it paid off this month but OH lost his job and spent 7 months unemployed and so that put me back as I had to pay all bills out of my wage alone. Since he has been working again he has helped me out a little so I have picked it back up. So I will pay it off next year as long as his contract continues.

I just need to settle down to making a plan and starting to plough into it. I think the fact that my plan to pay it off this month hasnt happened that it is playing on my mind a little.

Karmacat

Its happening then. ..... Thanks for explaining, it catches me up and losing a job messes up everyone's plans, absolutely. I'm glad its back on track.

Pippajo

It wont be long now. Did you look anymore at short term lets etc for the flat?

MrsMoo2U

Erm............ the answer to that one would be no. I did speak with the mortgage company about letting it out. They wanted to change to a buy to let mortgage, would mean me paying a fee, having to pay the redemption fee on the current mortgage and legal fees. So I put it on hold again. I am developing a bit of a bury my head in the sand ethos here. I have decided that once Christmas is gone and I am back from the holiday the New Year will see the old me back with a vengence.
Truth is I think that I am worn out. I cant stop crying for absolutely no reason. I was just listening to the Jeremy Vine show whilst working and had to turn it off because i was in floods of tears. I seem to have no interest in anything at all. I am going to visit friends and family at the weekend (not seem some of them for 10 months) and I have been sitting here today thinking of excuses not to go. If I am not crying in the house I am shouting at drivers on the road. I keep having silly little accidents, like dropping things, falling down the stairs etc etc etc. So I need to just get a grip and sort myself out and I am sure that everything else will follow.
Sorry I hate being negative - especially on here

Cheery_Daff

(((((((cherisong))))))))) oh dear, does rather sound like you're tired and in need of a holiday... You're right not to worry about the flat for now. Concentrate on getting enough sleep, eating well, staying healthy, and getting ready for your holidays. Then come back with renewed energy and enthusiasm later :T xx

MrsMoo2U

Thanks Cheery. Must admit to never having felt quite like this before. Feeling overwhelmed by everything so I know that I just need to rest. It would help if I had a shower and washed my hair today but I am still deciding if I can be bothered! Still the sun is shining and I have lots of visitors to my bird table just now which has cheered me up no end.

Pippajo

Gosh Cheri, I didn't realise how low you were feeling. you have been through a lot lately with your job, OH job, moos lodgings etc. Just take a step back, keep safe and start again in the new year .

But don't disappear, I like hearing you describe what you see and where you live - here its grey and flat and boring at the moment

MrsMoo2U

Aww, thanks Pippa, I was having a moment sorry. I do realise that I just need to pull my head into my shell for while and I think the holiday will be good.
Nowhere is grey, flat and boring though. You need to stop and look around, I am sure that you will find something to smile at. I grew up in a smelly dirty chemical industrial town. My friends used to tell me to get my head out of the clouds but I was always the one that spotted the geese flying over, the kingfisher on a once barren and polluted river and even the ladybirds on the leaves. I know I am a dreamer but I think that life is too short to not find the beauty in things.
Why not just take 5 minutes each day to find something that you love about where you live? You will be amazed and it will help you to see things in a new light.

Karmacat

Cherisong, I'm so sorry to hear you're feeling this bad at the moment .... its nightmarish to feel this overwhelmed, it really is - I think the most important thing is to be kind to yourself, in a positive way - not to be goody goody about it, but if I poison myself with bingeing, I feel worse and worse. So some yummy snacky things, but not crazy - 2 bags of crisps, not 6, that sort of thing....

Still .... you're crying lots - well, thats good in its way, better out than in - this can sound a really mad question, but do you know what you're crying about? Or maybe you've just got to that stage of overwhelm where it has to come out *somehow* because its just too much to keep in. I do get like that sometimes, and I just zonk out for a while - watch a favourite film, often a feelgood film because a really down film would just add to the overwhelm.

Let us know how you're feeling later on.
xxx


PS - I said this to DT once, I hope you don't mind me repeating it to you - when you're crying like that, you need to drink water - you genuinely can get dehydrated with too much crying, and that can feel like the end of the line. Its not! Just let yourself have some liquids.

xxx






EDIT - oh, I love seeing the little things, as in your post above! The construction of a 1930s pillar box here, a formation of geese, a cat watching people walking by, the sunrise each morning .... lovely stuff.