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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
    Oh Lost, you nearly have me in tears of happiness for you :o You sound sooooo much better now than you did at the beginning. I'm so glad you have managed to hold it together and now you are getting somewhere. Yes, it takes time, yes, it is not always easy, there will be challenges along the way but your positive attitude will help you through. When a challenge comes along, don't stick your head back in the sand, grab it with both hands and deal with it right away. Don't overload yourself, just do what you can when you can.

    I am so pleased for you :D :j

    That is lovely that DD has some money in her account now. Every penny counts towards the future.

    Gap x
    :)
    Mortgage at 12/07/2022 = £175,000
    Mortgage at 31/03/2026 = £154,976.87
    300 256 payments to go.
    House buyout fund £26517.34/£36,000
  • ebayqueen_2
    ebayqueen_2 Posts: 1,175 Forumite
    Hi ya Lost:wave:

    You sound so good. You have defin. got the right attitude. You can and will do this. We are all here to support you. Keep going.:T:T
    God bless
    E
    "You are never too old to set another goal or to dream a new dream" :) C. S. Lewis
  • Morning Lost, you sound so much more positive etc in your last few posts :T.

    Yay to you closing the account down, yes you can deal with them. Well done on tackling this. Well done on the extra 5 hours work too, its not easy when youve little ones and what not.

    Good luck with your ebay listings xx

    Thank you for you kind words 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: »
    Oh Lost, you nearly have me in tears of happiness for you :o You sound sooooo much better now than you did at the beginning. I'm so glad you have managed to hold it together and now you are getting somewhere. Yes, it takes time, yes, it is not always easy, there will be challenges along the way but your positive attitude will help you through. When a challenge comes along, don't stick your head back in the sand, grab it with both hands and deal with it right away. Don't overload yourself, just do what you can when you can.

    I am so pleased for you :D :j

    That is lovely that DD has some money in her account now. Every penny counts towards the future.

    Gap x
    :)


    Thank you so much for your kind words 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!
  • ebayqueen wrote: »
    Hi ya Lost:wave:

    You sound so good. You have defin. got the right attitude. You can and will do this. We are all here to support you. Keep going.:T:T
    God bless
    E

    Thank you so much for your blessings and kind words 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!
  • Well I am very shocked by myself, I mean very shocked. I have done 6 hours overtime for this week, I am now ordering OH to do more (in the nicest possible way) I am opening post and contacting creditors, I am worried but I need to deal with the payday loans this week (I am actually really scared, I dont know what way is going to be best!), I have take Avon into work handed to a couple of neighbours (normally keep myself to myself but been making small talk) and preparing leaflets for beauty to take to areas out of where I live. For some reason all I can think about is succeeding, I am actually wondering whats happened to me.

    I have decided to diet also so our food bill can be reduced even further. I can loose the weight, save that money and use it towards debts and OH wont get so suspicious about the money. He keeps saying I could loose a couple of pound.

    I never thought I would get to this day where I am feeling motivated to do things and deal with things. I am so so so excited about my new bank account, I feel its such a good start for me. I feel I can now really budget and sort all of this out.

    Ive learnt so much from being on here and thank you all for your support. xxxx
    :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
    That is such great news Lost. I'm so glad you are feeling so good. Cheeky b!!!!r that Mr L saying you could lose a couple of pounds!

    Just keep at it, keep yourself in the positive mindset. You are doing sooooo well! :D

    Gap xxx
    Mortgage at 12/07/2022 = £175,000
    Mortgage at 31/03/2026 = £154,976.87
    300 256 payments to go.
    House buyout fund £26517.34/£36,000
  • ebayqueen_2
    ebayqueen_2 Posts: 1,175 Forumite
    You are defin. getting into the debt busting mood my dear. Keep going. I bet you are lovely and only lose the pounds for your own self worth. You are certainly worth it.
    God bless
    E
    "You are never too old to set another goal or to dream a new dream" :) C. S. Lewis
  • ebayqueen wrote: »
    You are defin. getting into the debt busting mood my dear. Keep going. I bet you are lovely and only lose the pounds for your own self worth. You are certainly worth it.
    God bless
    E


    Thank you so much for your kind words, I feel so different than what I did, and it feels great. I could do with loosing a couple and you are right it is for my own self worth. 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!
  • girlatplay wrote: »
    That is such great news Lost. I'm so glad you are feeling so good. Cheeky b!!!!r that Mr L saying you could lose a couple of pounds!

    Just keep at it, keep yourself in the positive mindset. You are doing sooooo well! :D

    Gap xxx

    He is cheeky! I do need to stay positive! 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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