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

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Comments

  • Ive made another £19 today!!! I am so happy! and in the pot it goes!

    Also set up my online banking for my new bank account so hopefully wages will go in as planned and then I can be more organised!

    Just about to list a couple of bits on ebay, but am wondering does anyone know if its free listing this weekend by any chance? 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_2
    ebayqueen_2 Posts: 1,175 Forumite
    Hello Lost

    Have been away on holiday and only back today. How are you now. Did you contact them. Don't get yourself annoyed. It will sort itself out. Sorry to hear that you are getting knocked down by OH. Maybe you should wait until your daughter is asleep and tell him that you are not happy with the way he is treating you. Do it all in a mild manner and show him how strong you are.

    Thinking about you.
    God bless
    E
    "You are never too old to set another goal or to dream a new dream" :) C. S. Lewis
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I'm thinking about you today Lost. Hope you are getting on ok. :)

    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
  • I am so scared, I am so worried, I am so nervous today. OH is working latex so I can't even make the phone calls till later. I've received 2 emails, 1 txt and a phonecall all from one company. The other 2 haven't contacted me yet. I am so so scared that they will call work, I am so scared that work will find out. I am so scared that someone will turn up knocking on my front door. Why did I get myself in this mess, I am so angry with myself for it. I just want it Togo away I really do I've had enough of feeling like this!
    :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
    When OH goes out, make the phone calls right away. Get it dealt with as soon as possible. If your work do find out (which I don't think they should but I'm not sure what the law says on that) then just say you were short of cash so you borrowed some and now you are paying it back. Don't make it out to be a big deal, it is your business, not theirs so as long as you are not jeopardising the company then they can't say anything.

    Keep going, you will get there ;)

    Much love

    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
  • ebayqueen wrote: »
    Hello Lost

    Have been away on holiday and only back today. How are you now. Did you contact them. Don't get yourself annoyed. It will sort itself out. Sorry to hear that you are getting knocked down by OH. Maybe you should wait until your daughter is asleep and tell him that you are not happy with the way he is treating you. Do it all in a mild manner and show him how strong you are.

    Thinking about you.
    God bless
    E

    Hope you had a wonderful holiday!

    I have tried in the past but its always me, or I am paranoid and insecure or just not finding his jokes funny. Oh I dont know. But thank you for your 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!
  • ebayqueen_2
    ebayqueen_2 Posts: 1,175 Forumite
    Morning Lost

    Will be thinking about you today. Don't panic. As soon as OH leaves get on the phone. Its the stress and the worry isn't it. Too hard to cope with sometimes. Just remember you are not alone we are here to support you. You will get through today pet.

    God bless
    E


    Sorry Lost have just seen that yesterday was your payday...did you call the companies.
    "You are never too old to set another goal or to dream a new dream" :) C. S. Lewis
  • girlatplay wrote: »
    When OH goes out, make the phone calls right away. Get it dealt with as soon as possible. If your work do find out (which I don't think they should but I'm not sure what the law says on that) then just say you were short of cash so you borrowed some and now you are paying it back. Don't make it out to be a big deal, it is your business, not theirs so as long as you are not jeopardising the company then they can't say anything.

    Keep going, you will get there ;)

    Much love

    Gap x
    :)

    You are so right, I am a little confused though but will explain that in a min. And I did think if they do i will say to them that it was due to my wages being mucked up. I had no other choice. I really hope they dont find out though, I could do without the hassle.

    Thank you so much for your 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!
  • What a very very very strange day I had yesterday, I obviously was in a nervous anxious scared state for most of the day, I went out before OH did as I needed to get out!

    I read a few posts yesterday on payday loans defaulting and most people are saying just to email and not speak to them on the phone as they use bullying tactics. So I emailed them and havent heard back from them. I said I am in touch with CCCS regarding my debts and this is true. I went on to the website and started the debt remedy online, just need to finish imputting all the figures etc. And then I am going to inform them of that. It feels good actually, I am dealing with it ok not by phone but this site is amazing and helps you so much and helps you see.

    I am quiet angry too, I went to the supermarket to get some essentials and a birthday card, spent 84p on a sauce which I thought would be nice for DD, £20 later in there I come home (its getting so expensive I need to really try and pull my reins in even more, even though I have been getting OH to pay for shopping this month) and the sauce was awful!! So I wasted 84p. I am not happy about it.

    Still waiting to see if its free listing this weekend on ebay so I can get listing. Want to try and avoid the fees if I can.

    Didnt make any money yesterday! :( never mind

    Hope you all have a lovely day. 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
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Even if you are just emailing them and not talking on the phone, at least you are making an effort, not cutting them off completely ;)

    That is a pity about the sauce. I have done that before too and it is maddening. I tend to stick to things LM and I both know we like. It gets a bit boring sometimes but at least we don't waste too much money. Some of the threads on here are good for cheap recipes. I can't remember which ones but maybe try the old style board, you will probably find something there :)

    I get emails from ebay when there is a free listing weekend. I can't remember if I got one about this weekend or not :o

    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
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