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Nearly 30, in debt, lost and nervous! I need to change.
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Hi Lost x
Hows things hun x
Hope the snotty, sniffy, coughy thing has gone
and you are well again x
Twiz x
Hi Twiz
Feeling alot better thank you, still coughing though. There is lots of it going round.
How are you 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 -
Tomorrow is the 1st of November, the day its meant to get easy for me well easier. I am hoping that I will stop worrying about debt collectors turning up on the door, I am hoping that I will be able to answer the phone again without getting angry.
I need to get back to posting on the PAD thread, I have lots of change and a couple of ebay sales to account for. Being ill has knocked me backwards. Now to concentrate on the forward.
I have got a couple more christmas presents for DD from the poundshop - a book and a puzzle. Really nice.
I have just eaten a big bar of chocolate and I feel sick now
why have I got to be such a piggy.
I am feeling anxious again, I think because I feel everything is on top of me again, because I feel behind again. But I need to start off as I mean to go on this month. As its the 1st of November I need to change myself I need to change lots! 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 -
girlatplay wrote: »DMP day tomorrow :j The start of a new chapter for you!!
Sending lots of love and hugs xxx
Oh I hope!!! I really do!
hope you r 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
How did your day go. How does it feel to have the DMP started?
take care
E"You are never too old to set another goal or to dream a new dream"
C. S. Lewis0 -
Life has been a bit surreal, I have been thinking lots, and have come to the realisation that getting down and not doing anything about it, I will never succeed.
I am thankful for all small things in life now, I am thankful for many things now, but I just seem to take a few steps forward and a couple back.
I have debt, OH has debt, but its about working towards putting things right.
I am not happy with my money situation, who is when they have debt but there are so many people who have overcome it. Its about moving on and making the most of everything.
I have lots to update but I am going to work on this, I am now going to give me and DD £5 a week to spend on us, if we dont spend it then we save it till next week. We dont need lots.
Well off to do some things 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 am now going to give me and DD £5 a week to spend on us
That's lovely Lost. When Little Miss was little (!) there was a soft play area near where we lived. Sometimes I used to take her along and for £5 I could get her an hours play, a juice and myself a coffee. As she got older she could play without me watching her constantly and they had magazines for the parents to read so I used to sit with a coffee and mag and she played and came back and forward to get juice. We were really poor at the time and I remember feeling happy that she was having fun and I was able to get a quick read.
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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girlatplay wrote: »That's lovely Lost. When Little Miss was little (!) there was a soft play area near where we lived. Sometimes I used to take her along and for £5 I could get her an hours play, a juice and myself a coffee. As she got older she could play without me watching her constantly and they had magazines for the parents to read so I used to sit with a coffee and mag and she played and came back and forward to get juice. We were really poor at the time and I remember feeling happy that she was having fun and I was able to get a quick read.
xx
Ahhh thats such a lovely story and a really happy positive one! Even though it was very tough for you, you still had fun and cherished that at the time and years on. It is definately the small things which make a lasting memory, Hope your ok! 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 -
I am ok thank you. Hope you are too. Those were hard times. It just gets easier. It takes hard work and major effort but it is well worth it.
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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Lost has been a busy bee! I have 2 hair salons who has put my beauty leaflets out! I am so excited! I just hope I get business now! I am going to so some offers, business cards and flyers too.
Firework night me and DD stayed in and had a freebie thanks to the neighbours having fireworks. Its amazing how you can enjoy fireworks in the warm, from the window! No tears cause of loud bangs just lots of enjoyment!
I have been batch cooking, its amazing what you can do with mince and vegetables. I made a Spaghetti Bolognese the other day and for around £3 I got 7 dinners out of it, good size meals!! So thank you!!
Ebay I havent been doing very well but I am being a bit careful of listing willing nilly as I have the limit on my account and I am waiting for a free listing weekend as I have some expensive items I would like to list!
I am still getting phone calls and letters from the creditors, very annoying seeing I am now on my DMP! Very frustrating! But I am on a DMP so its time to move forward!!
I hope you are all ok and happy!! 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 -
Free listing this weekend Lost!

You are doing great! Good luck when all the work offers come flooding in!!
Free fireworks show in the warm, my ideal fireworks show!!
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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