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Nearly 30, in debt, lost and nervous! I need to change.
Comments
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My DMP information letter has arrived! I am so excited I really am!!!!!!!! Its so good and small enough to hide easily!! They are so lovely at CCCS! I am so happy that I have done this!!! 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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Well done Lost !!!!!!!
All the best for the jumble sale today. You will do well. Smile .. look gorgeous and hand out your leaflets. Will be thinking about you. Let us know how it went.
God bless
E"You are never too old to set another goal or to dream a new dream"
C. S. Lewis0 -
Well done Lost !!!!!!!
All the best for the jumble sale today. You will do well. Smile .. look gorgeous and hand out your leaflets. Will be thinking about you. Let us know how it went.
God bless
E
Thank you for your kind words! I really didnt do well at all, I actually made a loss of £7. Handed a couple of leaflets out but not very successful. Back to ebay I am afraid.
Thank you 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 -
Don't let it get you down Lost. You tried it, it didn't work this time, move on to the next thing. Keep smilling, keep thinking positive

Just another 28 days and you start your DMP. Another step towards the future. Just keep focusing on DD. Remember, in a few years time she is going to be so proud to call you her mum! You will be able to guide her and give her a wonderful life.
You are doing sooooo well
xxMortgage 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
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Hi Lost
Do not, I repeat DO NOT knock yourself down for losing £7. When I attended counselling and I was discussing with my therapist what I wanted to achieve in the future, say ebay or plans for getting organised. She always mentioned the words like MISTAKE, NOT ACHIEVING and how I would react to these if they happened. I was mortified that those words would be used and that this wasn't going to happen to me as it had happened too many times in the past!!! I soon realised that when my first loss on ebay happened that this was what she was talking about. !!!!!!
I looked at what had happened, didn't go into deep depression because I failed......I LEARNT FROM IT.... and this is what you will do each tiime your try something, may it be successful or not you will learn so much from it.
Just remember you actually manned a stall! You handed out some leaflets and hopefully eventually you will gain from this. Keep persevering. You are ever so capable pet!!!!!!!
Keep going and as GAP says just another 28 days and your DMP will be up and running. You will feel a sense of relief when this happens. Its not easy carrying the weight of debt but you are not alone. You have us here
Keep smiling
keep going for your little one
Believe in yourself:) Remember you are a one and only 
God bless
E"You are never too old to set another goal or to dream a new dream"
C. S. Lewis0 -
Well hey Lost you are definitely on the up.
You are finally beginning to value yourself on an equal level with everyone else and so you should. We all have the dreadful habit of comparing ourselves to those who have more, are prettier, are slimmer, more successful, richer........shall I go on? And while we are doing this we forget that there are many out there with less in every sense of the word.
You are a learner. You are evolving. You have looked at the way you were treated as a child and have changed things in your own parenting. You have understood that the way your other half treats you is wrong so you are finding ways to boost your own self esteem because you know he isn't going to. You have made a choice about your debts and taken steps to sort them out. You need to continue celebrating your tremendous achievements and any time you feel you confidence waining, your self esteem deflating, your positivity draining just come on here and remind yourself of what we all think of you.
Because you are a success.
Smiles and warmth Slowdown0 -
girlatplay wrote: »Don't let it get you down Lost. You tried it, it didn't work this time, move on to the next thing. Keep smilling, keep thinking positive

Just another 28 days and you start your DMP. Another step towards the future. Just keep focusing on DD. Remember, in a few years time she is going to be so proud to call you her mum! You will be able to guide her and give her a wonderful life.
You are doing sooooo well
xx
Thank you, I know you are so right! Positive thinking - I hope it gets me somewhere!
I know thats exciting, I cant wait to get the creditors off my back - hopefully! I am so fed up of the constant phone calls, emails, txts, letters, I totally have had enough.
Thank you hope you are ok! 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
Do not, I repeat DO NOT knock yourself down for losing £7. When I attended counselling and I was discussing with my therapist what I wanted to achieve in the future, say ebay or plans for getting organised. She always mentioned the words like MISTAKE, NOT ACHIEVING and how I would react to these if they happened. I was mortified that those words would be used and that this wasn't going to happen to me as it had happened too many times in the past!!! I soon realised that when my first loss on ebay happened that this was what she was talking about. !!!!!!
I looked at what had happened, didn't go into deep depression because I failed......I LEARNT FROM IT.... and this is what you will do each tiime your try something, may it be successful or not you will learn so much from it.
Just remember you actually manned a stall! You handed out some leaflets and hopefully eventually you will gain from this. Keep persevering. You are ever so capable pet!!!!!!!
Keep going and as GAP says just another 28 days and your DMP will be up and running. You will feel a sense of relief when this happens. Its not easy carrying the weight of debt but you are not alone. You have us here
Keep smiling
keep going for your little one
Believe in yourself:) Remember you are a one and only 
God bless
E
Thank you so much for your inspiration and sharing your story with me, you have done so well and you are so right! Its so hard but you have learnt from things so so can I!
Thank you for being here for me, it means so much! it really does, I wouldnt have been able to have done it without you.
You have bought a tear to my eyes, thank you for being so kind. 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 -
Well hey Lost you are definitely on the up.
You are finally beginning to value yourself on an equal level with everyone else and so you should. We all have the dreadful habit of comparing ourselves to those who have more, are prettier, are slimmer, more successful, richer........shall I go on? And while we are doing this we forget that there are many out there with less in every sense of the word.
You are a learner. You are evolving. You have looked at the way you were treated as a child and have changed things in your own parenting. You have understood that the way your other half treats you is wrong so you are finding ways to boost your own self esteem because you know he isn't going to. You have made a choice about your debts and taken steps to sort them out. You need to continue celebrating your tremendous achievements and any time you feel you confidence waining, your self esteem deflating, your positivity draining just come on here and remind yourself of what we all think of you.
Because you are a success.
Smiles and warmth Slowdown
Thank you so much for these kind words, I really dont know what to say except thank you for them and for being here for me. I have some wonderful friends on here! Its a wonderful world. Thank you 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 -
Looks like winter is setting, even though it means more money on electric and gas, i am looking forward to it. Not sure why! I have been looking through the old style moneysaving thread, which I have found very interesting and helpful. I havent really been going through the forum huge amounts but I feel like I want to take further steps to money saving. Theres lots on freezing food, all the cleaning products, how to save on things (toilet roll) And I really want to know what Stardrops are?
I need to learn how to bulk cook, freeze and then how do I cook once Ive defrosted the meal? Its just so strange.
I want to be the best I can, I want to really focus from now on. I want to really sort everything out. I really do. 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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