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Nearly 30, in debt, lost and nervous! I need to change.
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I am trying very hard to remain positive and happy. I am doing little things everyday, and this is helping me clear the chaos in my world. Every time I do something and find something unopened or which I should have dealt with I kick myself. I have been so stupid.
I have opened a new bank account with a brand new bank, very happy about it to be honest, I was allowed in principle a normal current account so just hoping that once I have sent back the documents they wont decline me. I hope!!! Once its all open I will then close the other bank accounts, including my daughters account and that will be the end of that - I hope! Then I will default on the payday loans and i will then hopefully have my offer excepted! Well I can hope cant I!
I have found so much more to list. Its DD birthday at the weekend so next week I will focus on everything.
I dont need the material things in life, i just need a bank account in black and a happy environment for me and DD and OH (when he is being nice!)
I thank all my MSE friends who support me and care for me! xx:j DMP started on 1st Oct 11 - 6 yrs 0 mths till DFD :jMay 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!0 -
Hi Lost :wave:
It is wonderful to see you in such a positive mood..............long may it continue. :A
I do believe you have learned a very hard lesson and you are taking responsibility for it.
Keep working hard and you will get there.
Lots of hugs x0 -
Lost_and_nervous wrote: »I thank all my MSE friends who support me and care for me! xx
Thats what everyones here to do
xx Mummytogirls x0 -
Well done for sorting that account so quickly :T
At first the payday loan companies will not accept the offer but once they have added a few charges (but less than the deferment payment each month) they will pass it to a debt agency to collect who will be more reasonable.
EE0 -
You are doing absolutely great Lost!
Keep going
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
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Keep going Lost:j
You have got it right.
You will become happier by the day as you clear this debt. WE are all here to support you.
God bless
E:A"You are never too old to set another goal or to dream a new dream" C. S. Lewis0 -
Hi Lost
Hope everything is okay with you and you are still feeling more positive.
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
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Hello everyone,
Well what a week I have had, OH has been around which is why I havent been able to get on, I have missed you all! I have had a week of questions, getting stressed because I feel I dont have the support and having family round and me doing all the running around why he sits there 'entertaining!' but hey we are getting back to normality and let the work begin because my friends I have a new bank account! I sat in the bank for an hour the other day waiting as I was told I could wait for the account number there and then instead of it being sent through which would take up to 10 days.
So today its making the list of all direct debits and company phone numbers so I can call them and change the details, also I am going to cancel any payments which I dont really need but have 'just in case'
Also need to start listing on ebay - wow the amount of stuff I have found, I am over coming my hoarding everyday, why do i need so many trainers? 4 pairs - I dont need 4 pairs! so 3 are going!
I just want to make the most of trying my best to clear the debt! I have deferred the pay day loans once more and then I can close the accounts, and then I will write to them this week and get rid of them! I am remaining positive! xxx
And I found some old photos of me with OH, they reminded me of happier times with him, so I am going to put them up. At the time I was more stable and I looked happy so I am going to pin them up on my board for inspiration. Silly I know.
Just noticed my stars have also gone up! xxx:j DMP started on 1st Oct 11 - 6 yrs 0 mths till DFD :jMay 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!0 -
Hi Lost, well done on getting your new bank account sorted out. You sound very positive today which is fantastic to read.
Get ebaying today its free listing weekend xxMummytogirls x0 -
Hi Lost :wave:
It is wonderful to see you in such a positive mood..............long may it continue. :A
I do believe you have learned a very hard lesson and you are taking responsibility for it.
Keep working hard and you will get there.
Lots of hugs x
Thank you for your kind words and for supporting me! xxx:j DMP started on 1st Oct 11 - 6 yrs 0 mths till DFD :jMay 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!0
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