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

ebayqueen_2

I agree with Twizzle

Lost stop being so hard on yourself. You had a funny old day and you didn't get much done. Just think you could have went to town and spent £100....you didn't.

Try and relax yourself. We can't control everything that goes on around us. What are your plans for the weekend.

take care
God bless
E

girlatplay

Lost, if I had £1 for every time I have a meltdown, I wouldn't have any debt! We all have days like those. Pick yourself up and start again. Don't dwell on it, move on.

xx

ebayqueen_2

Morning Lost

How are you today?

E

Lost_and_nervous

Hello everyone, thank you for your kind words and inspirational ones, I dont know what I would do without you all. Nice to see you Gap, I was getting worried as havent seen you about. Hope you are all ok.

I havent been on as DD has been unwell, its so unfair when little ones are unwell, theres not much you can do and they get very frustrated. I am so tired and run down, got a sore throat myself.

I havent been able to do anything to making extra money, I have 2 parcels to send which sold a couple of days ago, feel awful but just hope they understand. Also I need to go through the handbag as I think I have quiet a bit of change in there. I have found out that due to the below standard I can only list a maximum of 7 items or an amount totalling £56.52 (whichever one is reached first). Its so unfair but lets hope when I get some feedback it should improve.

OH is back to his old tricks again, I am so fed up of it, his family have been quiet 'off' with me and he always just sides with them. Never mind what can I do!

I have been paid wrong again, I have hours missing again. I am so fed up of this, I am going to go to the head of the company now and really tell them what stress this is causing me.

Still no weight loss, instead I think I am putting it on. no point being miserable about it!

I have been thinking, I am going to start a list of things I want to achieve in 2012, I want to find a nice new notebook specially for 2012, to have my aims and ambitions, money owing, lots of things really. I want to be positive!

And I am looking forward to the food shop this month next week, I will be bulk cooking this month, see how I will go. xxx

girlatplay

Hi Lost

That is annoying about the wages again. That is about the third or fourth time that has happened since you started your diary. I would definitely go and talk to someone about it.

Sorry for not being around much. I haven't been well but I am getting it sorted so hopefully not for too much longer. Also, it was LM's birthday last Thursday so I had two days off work. I usually come on here when I am at work so wasn't on for four days :eek: major withdrawl symptoms!!

Sorry to hear DD is unwell. Hopefully she will be better soon. It is horrible when they are ill, there is nothing you can do to make it better. Just give her lots of love and hugs and patience.

Sorry OH is being a pain again. Just keep yourself going and remember how much better you are than him

I have started thinking about goals for 2012 as well. Unfortunatly most of them seem to involve money

Take care.

xx

Lost_and_nervous

girlatplay wrote: »

Hi Lost

That is annoying about the wages again. That is about the third or fourth time that has happened since you started your diary. I would definitely go and talk to someone about it.

Sorry for not being around much. I haven't been well but I am getting it sorted so hopefully not for too much longer. Also, it was LM's birthday last Thursday so I had two days off work. I usually come on here when I am at work so wasn't on for four days :eek: major withdrawl symptoms!!

Sorry to hear DD is unwell. Hopefully she will be better soon. It is horrible when they are ill, there is nothing you can do to make it better. Just give her lots of love and hugs and patience.

Sorry OH is being a pain again. Just keep yourself going and remember how much better you are than him

I have started thinking about goals for 2012 as well. Unfortunatly most of them seem to involve money

Take care.

xx

Oh I know, its so silly and I am at the end of my tether with it all. I am going to have to work out exactly what it is they have missed out, then first of all send a really strong email and ask for a meeting. And I wont be being paid the difference in next months pay.

I am so sorry to hear you have been unwell, lots of hugs! Hope your on the road to recovery!!! xxxx

Happy Birthday little miss!

Thank you xx

Thank you for your kind words, I am better than him.

Money is a big involvement all round, I know how you feel. But at least we will have a path and it all organised in a notebook! We are on the right path!

xxx

Lost_and_nervous

just remembered I start my DMP very very soon - how excited am I!

I have wrapped up the 2 parcels ready to send!

I have also opened a new ebay account in OHs name as he was ever so kind to offer, hopefully I will get some joy in listing on there also! I will get this debt down!!

Well off to do dinner! DD has been in bed for ages bless her, she must really need her sleep.

I will be positive and I will achieve!! xxx

Eager_Elephant

Hi Lost

Just caught up from August :eek:

I'm not sure if it is just me but I am a bit confused about the credit cards of your DH's.

In the post somewhere up there ^ you mentioned that you opened a statement and saw that the 2 credit cards were about £12,000+ together and that a DD is paying the minimum payments and then you said that you will start PADing to them.

What confused me was whether you discussed the credit cards with your OH and what he said? Surely if he is not bothered about the debt then you should not be also.

Your debts are on a DMP which means that really you should not make PAD's to them unless you are paying them equally which means you will PAD his debts which means he will be clear of debt before you which doesn't seem fair when you have been through all this stress.

Could you not concentrate on your own debts and save up your PAD's to make a large payment to one of your debts in a few months?

I don't see why you should pay DH's debt when he does not even know about yours and is certainly not helping with yours.

If you did talk about the credit cards when you opened the statement that would have been an ideal time to tell him about your debt and get it into the open which would relieve the stress on you.

Also please remember that very very few companies actually send debt collectors - they threaten it but it rarely happens.

Sorry if I am taling out of sorts and ignore me if I am being thick.

EE

Lost_and_nervous

Eager_Elephant wrote: »

Hi Lost

Just caught up from August :eek:

I'm not sure if it is just me but I am a bit confused about the credit cards of your DH's.

In the post somewhere up there ^ you mentioned that you opened a statement and saw that the 2 credit cards were about £12,000+ together and that a DD is paying the minimum payments and then you said that you will start PADing to them.

What confused me was whether you discussed the credit cards with your OH and what he said? Surely if he is not bothered about the debt then you should not be also.

Your debts are on a DMP which means that really you should not make PAD's to them unless you are paying them equally which means you will PAD his debts which means he will be clear of debt before you which doesn't seem fair when you have been through all this stress.

Could you not concentrate on your own debts and save up your PAD's to make a large payment to one of your debts in a few months?

I don't see why you should pay DH's debt when he does not even know about yours and is certainly not helping with yours.

If you did talk about the credit cards when you opened the statement that would have been an ideal time to tell him about your debt and get it into the open which would relieve the stress on you.

Also please remember that very very few companies actually send debt collectors - they threaten it but it rarely happens.

Sorry if I am taling out of sorts and ignore me if I am being thick.

EE

Good to see you!!!!

Ok here goes, OH pays the direct debit which covers the minimum, he doesnt really have a clue I dont think about what goes on with his account, he knows roughly and thats it. I havent spoken to him about the statements, I havent spoken to him about my debt, we dont really talk very much. But in a nut shell I feel guilty about the amount on these CC's as I helped him spend on them, so I feel I should do my bit.

I wonder if it because I have been horrible, done silly things like this that i am being punished now.

I just wish I hadnt got into this situation in the first place and also I didnt feel so guilty all the time about everything. xxx

Lost_and_nervous

Lost and nervous is snotty and coughy! I feel awful. And something I have not and havent even thought about is budgeting for medicine. Its so expensive. And its the bad stodgie food you want as well. It was a bad idea going out for medicine I spent money I really didnt want to.

But on wards and upwards and time to focus. I am sitting here looking at the house and there is so much everywhere and its making me feel worst. Its awful, there is so much everywhere.

Well time to go get something to eat and drink. xx