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Nearly 30, in debt, lost and nervous! I need to change.

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Comments

  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hi Lost

    Hope everything is okay with you :)

    Gap x
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • girlatplay wrote: »
    I think you have nailed it in this one sentence :D

    Well done for exercising :T I started Zumba with Gap-Sis on a Tuesday night and I walk home from work 2 days a week. I have noticed a big difference going from doing absolutely no exercise whatsoever to doing these things. Not only do I feel slightly fitter (i.e. I actually overtake people when I am walking now instead of everyone overtaking me :o) but I also feel happier. Keep it up, it is worth it.

    Took me 20 minutes to do the stuff that I wanted in the kitchen so wasn't too bad. Then I started seeing other stuff like a spillage on the floor beside the bin and a dirty water drip mark on the dishwasher :eek: so I cleaned them up too but felt really good for it afterwards :p

    Good luck with re-doing your budget. I definitely think you are heading in the right direction. Keep going!! ;)

    Gap x

    Thats really good Gap that you are exercising too! Well done and thats brilliant you are feeling happier too! It definitely does something to those happy feelings! We are so alike in so many ways, its lovely!! overtaking people = good work!! :j star jumps!!!

    I am happy to hear you felt really good for doing those couple of bits which you noticed and sorted out straight away. you have made good progress!

    Its hard, I have started but its so hard! Its difficult to gather everything and at the moment I am doing it when I have 5 mins when OH isnt about or on my case! I will keep going though!! Thank you xx
    :j DMP started on 1st Oct 11 - 6 yrs 0 mths till DFD :j
    May 2018 Debt free date - Mission to clear before!
    Depression is a challenge, Debt is a challenge and I have been given these challenges to be a stronger person. Focus and determination is the key with hard work!
  • ebayqueen wrote: »
    Hi LostandNervous
    I found your diary this morning and wanted to pop in and wish you all the best. You will find so much support here and you will clear that debt. Life is carp sometimes and it pulls you down. Keep your head up pet, don't let them get to you. You are precious and capable.
    God bless
    E:A

    Thank you so much for your kind post and taking the time to read my diary. Thank you! xxx
    :j DMP started on 1st Oct 11 - 6 yrs 0 mths till DFD :j
    May 2018 Debt free date - Mission to clear before!
    Depression is a challenge, Debt is a challenge and I have been given these challenges to be a stronger person. Focus and determination is the key with hard work!
  • dianerz_27 wrote: »
    To LostandNervous:
    There is nothing wrong with wanting to change how you manage your debts and finances and it is always NEVER too late to do so. You may want to enter a debt management plan so you can get great guidance on your money. I wish you all the best. Good luck!

    Thank you for your kind post, its so nice that there are lovely people out there. At the moment I want to deal with my debts the best I can but if it continues to be a struggle then I may think about it. Thank you xx
    :j DMP started on 1st Oct 11 - 6 yrs 0 mths till DFD :j
    May 2018 Debt free date - Mission to clear before!
    Depression is a challenge, Debt is a challenge and I have been given these challenges to be a stronger person. Focus and determination is the key with hard work!
  • girlatplay wrote: »
    Hi Lost

    Hope everything is okay with you :)

    Gap x

    Hey Gap, how are you? I will update the chaos in a min :rotfl::rotfl::rotfl: xx
    :j DMP started on 1st Oct 11 - 6 yrs 0 mths till DFD :j
    May 2018 Debt free date - Mission to clear before!
    Depression is a challenge, Debt is a challenge and I have been given these challenges to be a stronger person. Focus and determination is the key with hard work!
  • Well taking five with a cuppa, DD is having a nap, house full of tidying, washing up and cleaning to do but hey need to find some energy first! Ok sort my head out!

    Chaos is the word I am using today to describe my head and life!

    Done my exercise DVD this morning, definitely feeling better for doing a bit of exercise, perhaps thats why I have let my depression get the better of me at times.

    I also took a little detour in to the local library, havent been in a library for years! Anyway having a wander around and came across a little book called CUT THE CLUTTER well after a flick through yesterday evening its become apparent that I am a hoarder!! Black and white I am a hoarder! Well this book seems quiet good and I think I can sort my hoarding out.

    I am struggling mentally, my head is full of things to do, what I want to achieve and no get up and go! Oh its a hard life!

    Well I am off for now, need to crack on for a little bit. xx
    :j DMP started on 1st Oct 11 - 6 yrs 0 mths till DFD :j
    May 2018 Debt free date - Mission to clear before!
    Depression is a challenge, Debt is a challenge and I have been given these challenges to be a stronger person. Focus and determination is the key with hard work!
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Lost you are doing so well, keep going (do I say that in every post? :o) Remember, baby steps. Just little things at a time. Thank you for the star jumps :D

    Hope DD is much better now.

    Have a nice day.

    Gap x
    :)
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • Hi Lost, I just read your diary in my lunch break, and had to post. Not only are you working part time, you're also doing a full time job as a mother, house keeper etc (which seeems to go completely un-noticed by your OH). If he had to pay a housekeeper and childminder how much would it cost?

    Anyway the main reason I posted is to say your OH and family/toxic friends seem to be forever running you down, and making you depressed. Don't let them get to you, you are a strong, determined woman, who would probably get on a hell of a lot better if she had some support instead of the moaning and criticising. You would be far happier if you didn't have to deal with them I'm sure. I know it's a bit strong, but if I were you, I'd avoid them like the plague until I'd sorted out my other problems. Once you've got to grip with your finances and housework issues, you'll have renewed energy and self esteem and will be able to shrug off these nasty petty comments, or better still give them back a few home truths about their own shortcomings!

    Sorry about the rant I just hate people who run others down.
    Mortgage to clear asap! - [STRIKE]£148,874.38 [/STRIKE]as at 1 May 2013
    £79,176.55 May 2018
    £59,516.06 July 2019
    November 2020 £35,914.62
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Hi Lost ive also rediscovered the local library since trying to become a MSE!!! Hope your book gives you some good tips xx
    Mummytogirls x

  • girlatplay wrote: »
    Lost you are doing so well, keep going (do I say that in every post? :o) Remember, baby steps. Just little things at a time. Thank you for the star jumps :D

    Hope DD is much better now.

    Have a nice day.

    Gap x
    :)

    Your posts are lovely!!! And remember :j:j:j:j:j:j:j

    Shes alot better thank you! xxx
    :j DMP started on 1st Oct 11 - 6 yrs 0 mths till DFD :j
    May 2018 Debt free date - Mission to clear before!
    Depression is a challenge, Debt is a challenge and I have been given these challenges to be a stronger person. Focus and determination is the key with hard work!
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