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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
    ((((((((((((BIG HUGS)))))))))))) ;)

    Gap xx
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • I have been struggling mentally with all this, it just seems I can never get in front or on top of things. I take 5 steps forward and then 6 steps back. Well thats what it seems like. I am so fed up of being like this, I am fed up of being so useless, so down and being couped up in this horrible world of my mind!

    I have written to my creditors to ask for payment plans to be set up, I have also been sorting out everything possible that I can sell and I mean everything. You name it I will sell it. What girl needs a big wardrobe??

    I just feel like I dont get anywhere with anything, I just feel like I am one big chaos mess! Thats all I am!

    Thank you to you all 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!
  • kdenty
    kdenty Posts: 250 Forumite
    Part of the Furniture 100 Posts Mortgage-free Glee! Combo Breaker
    Sounds like you are doing well to me. Writing to creditors and selling stuff. That's huge steps forward. I know it's difficult but try to look at what your achieving. Many people would bury their heads in the sand and do nothing. Not you....you are taking difficult steps....but you ARE taking these steps and should be pleased with yourself.
  • kdenty wrote: »
    Sounds like you are doing well to me. Writing to creditors and selling stuff. That's huge steps forward. I know it's difficult but try to look at what your achieving. Many people would bury their heads in the sand and do nothing. Not you....you are taking difficult steps....but you ARE taking these steps and should be pleased with yourself.

    It just seems I am not getting anywhere. It really does, I just feel so demotivated at the moment and that I am not getting anywhere, some days i just want to run away from it all. I just want to hide!

    Thank you for being here for me. 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!
  • kdenty
    kdenty Posts: 250 Forumite
    Part of the Furniture 100 Posts Mortgage-free Glee! Combo Breaker
    I know that feeling but if you work at it (which you are doing) it WILL get better. It just takes time and patience. I remember some time back thinking I would never get out of the pit I got myself in but now (well apart from a small hiccup this month - *woops*) can see my debt going down.
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I agree with kdenty. You are taking the steps and facing up to everything. You know what you have to do ;) A lot of people are still running away from their problems but you want to solve yours. Just take a deep breath and summon up all the courage that you have and go for it. Honestly, once you get things in order you will start to feel so much better and things will be much more under control. You just have to get over the first hurdle. Once that is behind you, you will feel so much better :)

    Keep fighting

    xxx
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • ebayqueen_2
    ebayqueen_2 Posts: 1,175 Forumite
    Hiya Lost:wave:

    I agree with all the comments above. You are making progress ... you may not be able to see it but we do. You must keep going. Think of your lovely little one. Make her the reason for sorting your debts out. Think of all the things you and she can do with the spare cash.

    In a few years she will be great fun to go out together for long walks etc.

    As I said to you before. A little bit at a time. Chip a bit away continously and you will see progress. What about your Avon and beauty business. Take care of yourself :A:A
    God bless
    E
    "You are never too old to set another goal or to dream a new dream" :) C. S. Lewis
  • Having down time, I am feeling very down and stressed!
    :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!
  • kdenty wrote: »
    I know that feeling but if you work at it (which you are doing) it WILL get better. It just takes time and patience. I remember some time back thinking I would never get out of the pit I got myself in but now (well apart from a small hiccup this month - *woops*) can see my debt going down.

    Well done, you have done so well. Thank you for your positive words, I need it at the moment. A small hiccup - its a small one!!! 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: »
    I agree with kdenty. You are taking the steps and facing up to everything. You know what you have to do ;) A lot of people are still running away from their problems but you want to solve yours. Just take a deep breath and summon up all the courage that you have and go for it. Honestly, once you get things in order you will start to feel so much better and things will be much more under control. You just have to get over the first hurdle. Once that is behind you, you will feel so much better :)

    Keep fighting

    xxx

    You are very right I do know what I have to do but its getting on with it that I am struggling with and actually seeing that its going to take a while for things to really improve. I need to take such drastic action to make a dent but it just isnt possible. 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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