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

Lost_and_nervous

ebayqueen wrote: »

Hi Lost

Hope you enjoyed your walk yesterday. How are you today?

Take care
E

We had a lovely walk thank you, it was really nice. I am ok thank you. Trying to find some motivation today.

Hope you are ok xxx

Lost_and_nervous

The sun is shining, I am trying to find some motivation, I am totally in the mindset of making money and sorting all these debts out. I look at DD and think its not fair on her, she makes me so happy and I want her to not have to deal with my debt when she is older.

I have overcome my fears of not letting go of her things and have realised that I do need to sell things shes growing out of. I have realised that at the moment, our current situation is important and I need to do my best to sort things out.

Having a day in today, OH is out, DD is happy playing, so why go out and spend money on petrol etc. Am going to have a day in continuing.

I am holding off on things which I want to list for more than 99p. Why should I pay to list when I can wait for a free listing weekend. Ill take the photos get things ready then wait.

I just want things to be sorted. xx

girlatplay

I love when the sun shines, it makes me feel so happy

You are doing great and things will be sorted, unfortunately it just takes time. You are doing everything you can to fix it so be proud of what you have achieved so far :T

Gap xx

Lost_and_nervous

I am feeling so nervous and anxious, quick quid have called me and I keep getting phone calls but I can't answer them cause oh is about. I am feeling so anxious and it feels like this will never end. I am so fed up of this. I have found so many more things to list I really have but eBay has been playing up and won't let me list. I want rid of this stuff, all this stuff got me where I am today, I want to try and make some money so I can pay that towards debts. I am so fed up. Also can't set up payments online yet on my banking as I need a card reader. Another infuriating thing. I am feeling really down this evening. I really am. All anxious and scared they will knock on my door. Why have I been so stupid. Xx

mummytogirls

Hi Lost, sorry ive not been around for a bit, only really had time to post in my own diary so catching up now.

Sorry your feelign anxious, can totally understand why (hugs). Is OH working tomorrow? Perhaps you can give quick quid a ring when hes not around? Im sure you will feel much better after explaining to them xxx

ebayqueen_2

Hi pet:hello:

thinking about you.
Do try and ring them when OH has gone out. Try and not get yourself down. You are really trying to do well and you are getting there. Don't knock yourself down. You will succeed and sort this lot out. :A
Remember you are doing this especially for your DD
God bless
E

Lost_and_nervous

girlatplay wrote: »

I love when the sun shines, it makes me feel so happy

You are doing great and things will be sorted, unfortunately it just takes time. You are doing everything you can to fix it so be proud of what you have achieved so far :T

Gap xx

Thank you for your kind words, I have some news at the bottom xxx

Lost_and_nervous

mummytogirls wrote: »

Hi Lost, sorry ive not been around for a bit, only really had time to post in my own diary so catching up now.

Sorry your feelign anxious, can totally understand why (hugs). Is OH working tomorrow? Perhaps you can give quick quid a ring when hes not around? Im sure you will feel much better after explaining to them xxx

Thats ok, honestly dont worry. Its so lovely that you still pop in on me.

Well I have some news down below. xxx

Lost_and_nervous

ebayqueen wrote: »

Hi pet:hello:

thinking about you.
Do try and ring them when OH has gone out. Try and not get yourself down. You are really trying to do well and you are getting there. Don't knock yourself down. You will succeed and sort this lot out. :A
Remember you are doing this especially for your DD
God bless
E

Thank you so much for your kind words and saying I will succeed. It means alot. And yes I am doing this especially for DD. xxx

Lost_and_nervous

I went back onto the CCCS site and well I am going for a DMP! I have had enough of explaining, dealing etc that I feel going through CCCS will take some of the pressure off. I thought a DMP was like bankruptcy or DRO but its not, which I am so happy about. I cant believe I have done it. I have worked out all my finances on my normal wage as I dont always do overtime, so I have left £74 which will go to CCCS by direct debit and they will pay my creditors. It will take me 6yrs and 9 months to pay back unless my circumstances change in the meantime.

For some reason I feel liberated and its only the first stages. It makes me feel happier and a bit more at ease. Just hope it all gets accepted. Will be one less thing on my mind.

Also I have been invited round to one of the mums I have met for a cuppa today so the kids can play. I am really excited about it which I know is really sad but think it will be nice for both me and DD to make friends and have a 'mummy' chat.

I have sold a couple of bits on ebay, totalling about £12, they should be collecting it all today as they are nearby.

I have listed a few bits on ebay but was having a nightmare with it as every time I went to do anything I had to resign in, it took me about 3 hours to list 8 items. Not happy as I was on a roll.

Me and OH had a lovely chat last night, I said to him about how he makes me feel when he is taking the mick and putting me down, I also said that I feel like a single parent as we never do anything as a family which upsets me as we are a family. I said that all my money goes on DD which I dont mind but ok we have seperate finances but I do pay my fair share of bills etc. He said he is going to help me out more and that he will take a few days off next week so we can be a family. It was really nice that he actually listened to what I had to say. I havent told him about the debt and wont but I feel I have made progress in our relationship. FOR NOW anyway!!!!

Well must go for now, bits to do!! Thank you all for being here for me, you all mean so much to me and I really wouldnt have been able to do it without you all. You truely are special friends and I thank you for always being here, for always being encouraging and uplifting and for accepting me for all I am. xxx