Fresh start for 2011

mummychicken

Have 4 family birthday presents to buy this month That is going to set me back some cash that i do not have !!

Skint_but_Optimistic

Well we have one, and its bad enough. I dont suppose they would like a handknitted teacosy.

mummychicken

I have been feeling really fed up lately as i am always chasing my tail with money & getting nowhere. I am trying hard to think positive & not get down but to be honest, it is not working, i am down about it.

I have been keeping this diary for 8 months and the only debt i am managing to clear is what i owe my aunty, she was my saviour at the start of the year, giving me an interest free loan to clear my debt and i have never missed a repayment to her.

The rest of my debt basically still stands, i shifted an OD to 0 % CCs but now am overdrawn by £200 it just seems every time i try to become debt free something happens to put me back to where i was.

Sorry if anyone is reading this and it is sooo miserable, just need to moan & be honest with myself about the way that i feel.

Verbatim

It may seem like that to you but honestly you're doing really well! I have just zoom read your diary and from a debt of £8500 to your Aunt it's reversed to £5800 AND you've put almost all your high interest debt onto 0% cards AND repaid your overdraft so the high fees have gone! That's not nothing!!

And all the while you've worked and given your 3 kids a great life with sport and dancing and a family holiday.

OK the overdraft has crept back a bit but because you wisely reduced it, it's nowhere near as damaging as if you'd left it at £2000.

Itsadogslife_2

mummychicken wrote: »

I have been feeling really fed up lately as i am always chasing my tail with money & getting nowhere. I am trying hard to think positive & not get down but to be honest, it is not working, i am down about it.

I have been keeping this diary for 8 months and the only debt i am managing to clear is what i owe my aunty, she was my saviour at the start of the year, giving me an interest free loan to clear my debt and i have never missed a repayment to her.

The rest of my debt basically still stands, i shifted an OD to 0 % CCs but now am overdrawn by £200 it just seems every time i try to become debt free something happens to put me back to where i was.

Sorry if anyone is reading this and it is sooo miserable, just need to moan & be honest with myself about the way that i feel.

I just wanted to stop in and give you a virtual *hug*. I think everyone on this journey will feel exactly the same as you are feeling at times. I felt very despondent the other week when I had a small inheritance come to me which instead of putting to good use, had to go towards the debts (which is a good use I suppose ).

This is exactly what your diary is for, it gives you a sounding board for your thoughts and hopefully will enable you to vent, deal with it and carry on with your journey. Its your journey you can say what you want in it (although I don't think Martin would like swear words, or naughty stories........) :money:

mummychicken

Thanks Verbatim & Itsadogslife, your support is really valued. I was low yesterday but worked an extra night shift last night so that money will go towards debt busting. I know everyone must get down over money sometimes, i guess i am bored of never having any spare cash !

Today was a NSD as i slept during the school run, omlettes for tea (free eggs from my chooks ) so, on a positive note, i have not needed to part with cash today.

Skint_but_Optimistic

Aww MC we all get down, I can go from zero to hero in moments. I think its so thanklessat times and we just get bogged down in it.

The debt has gone down, you have a good quality of life, and you know how to get where you want to be.

its this time of year, need sunshine!

mummychicken

I really am trying to stay positive , but i have this black cloud looming over me. The car is eating petrol- it is so expensive.

I had to cancel meeting a friend for lunch as i could not afford it felt too embarrased to tell her this, so lied and said i had a headache, how awful.
Sick of having to watch what i spend and sick of feeling so miserable about it.

However, i am the one to get myself in this mess, i spent money i did not have, i got myself in a pickle and i am going to continue to plod away at it. Have no idea how long it will be, but one day i shall be debt free.

mummychicken

Had a busy weekend at work, at least that means i dont spend much because of sleeping following.

Have a chilli cooking in the slow cooker for tea, will have with rice, nice and cheap.

Skint_but_Optimistic

its the chili time of year. It will warm you through as well as being cheap.

Are you still feeling down?