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

Slowdown

I need to have a positive day, I am fed up of having down days, I want to have good days, I want to be happy, I want to be productive I want to be a better person.

I want to sort the debt out, I want to be organised, I want to be in control.

I posted about reducing loan payments on the loan section of the forum but didnt get too much back so I am going to post on the DFW to see if I get anything back.

I will succeed! I will not be lost and I will not be nervous! I need to take baby steps and I need to do something daily. I am doing it for me, DD and my sanity!

How wonderful to see your "want" turn into "will".
You have found the key to your success.
When you wake up in the morning take a long, hard look at yourself in the mirror.
What you see will depend on you.
Will you see a "failure", a "struggler" and someone who keeps getting it wrong?
Or will you see a human being? Just like the rest of us. Someone who knows they are as good as the next person but can't quite recognise it? Someone who is honest, brave and determined but thinks it must be someone else they are looking at? Someone who tries to do the right thing and eventually gets there? You are no different. Its just a matter of prespective.
Look in the mirror and smile.
Look in the mirror and be happy you can see yourself smile.
Look in the mirror and be happy.
You have a long journey ahead but you have taken the first step. We all support you and want to suceed so believe in youself in the same way we believe in you.
With great respect Slowdown x

Lost_and_nervous

girlatplay wrote: »

Well that was a positive post (apart from the loan forum!)

You know what you want to do, just put it into action.

We are all here for you

xxx

Thank you so much! Even though its hard to put things into action, I must force myself!

Thank you for being here for me!!!! xxx

Lost_and_nervous

ebayqueen wrote: »

I agree with Girlatplay....that is a positive....you must feel better when you sit down and read your words.

Keep going Lost...you will get there.

God bless
E

Thank you so much, must be positive and must achieve! I have had enough of letting myself down, OH (yes I know he isnt very supportive but I want to prove his thoughts wrong now!), DD and you all! xxxx

Lost_and_nervous

kelpie35 wrote: »

Go girl.............keep positive.............you'll get there :A

Thank you so much! I hope so! xxx

Lost_and_nervous

kdenty wrote: »

Yes Back then and sometimes now I have those moments of doubt where I just feel like giving up and handing over the credit card to buy some luxury item I don't really need.

At first it was difficult as I had no clue what actually happened to my money each month. I kept a spending diary but to me it didn't make much sense until I combined it with my budget. I worked out how much I need (as I'm self employed and my income varies), what all the house bills are, then the shopping, petrol , card payments etc. I put it on a spreadsheet and can see how much should be left each month for extra payments or spending. I keep that figure on my phone and update it when I spend so always know what I have left over. I currently have £113 left until next pay day (mid July)

You have done so well, thats really good and a real inspiration, you are all so fantastic and give me hope that it will be ok.

Thank you for being here with me too xxx

Lost_and_nervous

Slowdown wrote: »

I need to have a positive day, I am fed up of having down days, I want to have good days, I want to be happy, I want to be productive I want to be a better person.

I want to sort the debt out, I want to be organised, I want to be in control.

I posted about reducing loan payments on the loan section of the forum but didnt get too much back so I am going to post on the DFW to see if I get anything back.

I will succeed! I will not be lost and I will not be nervous! I need to take baby steps and I need to do something daily. I am doing it for me, DD and my sanity!

How wonderful to see your "want" turn into "will".
You have found the key to your success.
When you wake up in the morning take a long, hard look at yourself in the mirror.
What you see will depend on you.
Will you see a "failure", a "struggler" and someone who keeps getting it wrong?
Or will you see a human being? Just like the rest of us. Someone who knows they are as good as the next person but can't quite recognise it? Someone who is honest, brave and determined but thinks it must be someone else they are looking at? Someone who tries to do the right thing and eventually gets there? You are no different. Its just a matter of prespective.
Look in the mirror and smile.
Look in the mirror and be happy you can see yourself smile.
Look in the mirror and be happy.
You have a long journey ahead but you have taken the first step. We all support you and want to suceed so believe in youself in the same way we believe in you.
With great respect Slowdown x

Oh wow what another amazing post, you really have a way of putting things, thank you so much, you have left me speechless again. xxx

Lost_and_nervous

Ive been a busy bee, trying to keep to things, I have found so much stuff to ebay its ridiculous! And I havent even scratched the surface. I need to take photos and write descriptions down so then I can sit there in the evening doing that. I have cleared a whole cupboard so if I take the photos then Ill put it all away so that will clear another space and that can be my designated ebay storing cupboard.

Wages have been mucked up again, this time they have paid me too much. I am so fed up of this! I need to work out how to work the tax out that should be deducted, or may be easier just to look on last months wage slip for an estimate. i am furious that they have mucked my wages up again, this is causing me so much stress!

Ive been trying to remain positive and have been really motivating myself. But I have these gut feelings continuously. I hate them and just want them to go away.

I am feeling better for getting on with things, I am on a mission to declutter my life, from people to things to debt! Its a decluttering mission for lost. DD has been so good for me, she really has, I am so proud of her. She just gets on with things.

Avon is a real struggle for me, it really is, I dont know if I can do it, some people are so rude and I just dont feel strong enough and really didnt make alot, I have things to send back and its just doesnt seem to be working out. A bit of a negative there.

I wont be defeated! I need to go and buy lots of stamps today to get leaflets out to all over places for my beauty! Not very money saving but I need to make extra. I am finding my confidence to talk to people now to get myself known! I will achieve! I will make money and iI will clear this debt. I also have seen a uniform which I think will make me seem so much more professional. So I may invest if I get some extra money. I just need to be better than everyone else, its a competitive market I need to stand out.

I just want to thank you all for being here for me and supporting me through these times, you truely are amazing!! xxx

girlatplay

Oh Lost, I like today's post!!

That's a nightmare about your wages being mucked up. They really need to get themselves sorted out. I do the wages at my work and I have only made one mistake in the 3 years I have been doing it I forgot 3 hours overtime for one person. I have never made another mistake since and hopefully never will again.

Aside from that though, your post is positive again. Great that you are decluttering everything. *note to self - follow Lost's example!* Good that you have loads of stuff to ebay too. Think of all the extra space you will have and all the clearing you will have done when it is all sold and gone

Our DD's are great aren't they? Our little rocks

Sometimes you need to speculate to accumulate. You may have to buy a lot of stamps but your business will start building up and it will be so worth it. Are you able to post some through doors locally? Can you hand some to your childminder to hand out to others? Would you be able to hand some out at work? (I'm not sure what you do so don't know if that is practical or not)

It's great that your confidence is building. You have to remember that you are a human being and you have as much right to be in the world as everyone else. Also, being happy and smiling at others makes others feel happy and makes them smile, which in turn makes you feel good again. Smilling is infectious!

Oooooh I like the uniforms they wear in the beauty industry! I think that would be good if you get one. Again, speculating to accumulate but it will be worth it. If you come across as professional and people like you they will recommend you. I like to go to people who have been recommended by others. Word of mouth works well.

I'm sorry you are not enjoying the Avon so much I have never understood the need for people to be rude. A lady called my work one day and I answered. I couldn't help her but I suggested other places she could try. She actually thanked me for being so nice to her. She said most of the other companies she had called had been really rude to her :mad: I just don't get that. I treat people how I would like to be treated and I would never dream of purposely being rude to someone. Can you try just one more Avon round before you make any decisions? It might get a bit better.

Positive, positive, positive!! Keep thinking good things, keep looking at DD and enjoying life with her, keep marching on. Don't let the low moments take over, just force them away.

Much love xxx

Lost_and_nervous

I havent forgotten about you diary or all my mse friends, just struggling at the moment. x

mummytogirls

Hi Lost, I thought id not seen you around. Hope your ok, you know where we are if you need to rant xx