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Nearly 30, in debt, lost and nervous! I need to change.
Comments
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girlatplay wrote: »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
Keep fighting!!
xxx
Well i got a phone call from them today so I answered, I stated that my financial circumstances have changed and that I am in contact with CCCS, they said that CCCS must call them to discuss this and they must see paperwork from them. Fair enough, Ive done it through the website.
He started off nice but by the end of the call was quiet miserable. Give him his due he wasnt rude!
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 -
:T One down, two to go. Well done you for answering and dealing with it. If there is one thing I can't stand it is rude people. At least, as you say, he wasn't rude. He probably hates his job and is totally miserable. Maybe he remembered half way through your conversation that he reversed his car into a bollard yesterday and can't afford to fix it until next payday. Maybe he heard the strain in your voice and felt guilty. Anyway, enough nonsense from me
You are facing your challenges and dealing with them. That is to be proud of.
xxMortgage 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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The weather is awful so me and DD have stayed in and are having a productive day, I have found about 20 more items to sell and another bag too to go through well huge black bag full of things.
Just had some lunch then am going to get back to it. DD is having a lovely day playing. I just hope we get a free listing weekend on ebay!
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 -
girlatplay wrote: »:T One down, two to go. Well done you for answering and dealing with it. If there is one thing I can't stand it is rude people. At least, as you say, he wasn't rude. He probably hates his job and is totally miserable. Maybe he remembered half way through your conversation that he reversed his car into a bollard yesterday and can't afford to fix it until next payday. Maybe he heard the strain in your voice and felt guilty. Anyway, enough nonsense from me
You are facing your challenges and dealing with them. That is to be proud of.
xx
Thank you so much for your kind words, I really am trying and I wouldnt be if it wasnt for all my MSE friends, I mean it when I say you all have offered me more support than I could ever get from friends and family and by being here for me and reading my diary and posting, encouraged me, supported me and really helped me through this. I would love to run away but it will catch up with me, I need to deal with this once and for all. 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 -
Lost_and_nervous wrote: »I would love to run away but it will catch up with me
Absolutely! We would all love to run away when times are hard but it would catch up with us and it would be 100 times worse. Much better to hate it and feel uncomfortable but deal with it now. One day soon you will not feel the need to run anymore and your day is getting closer
Much love xxxMortgage 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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girlatplay wrote: »Absolutely! We would all love to run away when times are hard but it would catch up with us and it would be 100 times worse. Much better to hate it and feel uncomfortable but deal with it now. One day soon you will not feel the need to run anymore and your day is getting closer

Much love xxx
Thank you so much for being so positive and agreeing on the running away. I hope so!!! Hope you and little miss are ok! xxxxxxxxx: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 -
All very strange.... still worrying but just need to deal with it!
Found more things to list. doesnt look like its free listing this weekend!!
Going out for a walk in a bit, going to go down the poundshop and have a look. Havent been out for a few days really and the sun is out. 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 -
LM and I are doing fine, thank you

Oh I do love a good pound shop! We have two at my side of town but I'm not really in them that often. I try to only go if I need something as I do tend to overspend in there
I only buy stuff I do actually need but I wouldn't have bought that day if I hadn't gone in!
I could have run away most days when I was at rockbottom but I didn't (I really wanted too) I stuck it out and things are so much better now.
Take care
xxxx
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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Hi Lost
Hope you enjoyed your walk yesterday. How are you today?
Take care
E"You are never too old to set another goal or to dream a new dream"
C. S. Lewis0 -
girlatplay wrote: »LM and I are doing fine, thank you

Oh I do love a good pound shop! We have two at my side of town but I'm not really in them that often. I try to only go if I need something as I do tend to overspend in there
I only buy stuff I do actually need but I wouldn't have bought that day if I hadn't gone in!
I could have run away most days when I was at rockbottom but I didn't (I really wanted too) I stuck it out and things are so much better now.
Take care
xxxx
Glad to hear you are both doing fine. I am the same, but I only spent £3 , got a toy for DD and a couple of bits I needed.
I am glad you have come so far, its an inspiration for me, it really is. 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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