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

Lost_and_nervous

elainejo wrote: »

Get in touch with the CCCS they are fantastic they will sort it all out with you and you make one payment a month that is agreed between you and them it is all confidential they are very nice people and they deal with your credtors not you I cannot sing their praises enough I owed £26000 without my husband knowing and when he found out it was nearly the shortest marriage ever we got in touch with them and I am now a year away from being debt free thanks to them. Good luck

Hello and welcome! Thank you for taking the time to read my diary and post. I am happy to hear that you have done so well on your DMP and you and your husband are all ok.

I have started my DMP but am having terrible problems with creditors, 2 of them are calling me continuously still and 1 of them is saying that they have not received paperwork and payment. This is causing me terrible stress. I have my DMP with CCCS. Did you experience anything like this?

Thank you xxx

Lost_and_nervous

girlatplay wrote: »

Lost started a DMP on 1st November. She has come such a long way and we are all so proud of her!!!

Gap x

Thank you so much Gap, you are so kind to me and have stuck by me throughout! You all have. xxx

ebayqueen_2

You are doing well Lost. :):):):)

Time passes thats one sure thing.

What are you up to today?

Lost_and_nervous

I just want to get straight, things are not going to good with regards to organisation, with money, with stress. I am still all over the place and still worried, stressing, and not in a comfortable position but I just need to worry about working hard to get it to where I want to be. I know what I want to achieve I just need to achieve it.

Everyday I wake up feeling all over the place but when I have a day of doing, I feel great, it impacts on DD and I go to bed feeling satisfied. Its great. But when I have a day of doing nothing achieving nothing it really brings me down.

The house being a mess, the house not being organised, me not being organised I get very down and dont do anything.

Its a long journey, but 2012 is around the corner.

Lots to do today, I need to really sort some things out. I need to let go of things too, of clutter, stop worrying about things, stop letting my nervous-ness get in the way of me and what I do.

xxx

Lost_and_nervous

ebayqueen wrote: »

You are doing well Lost. :):):):)

Time passes thats one sure thing.

What are you up to today?

Thank you so much. How are you?

It really does, it just goes by and before you know it you havent done very much and dont know what youve done. That needs to change for lost.

I am so happy that I am up this early, it feels so good and I feel so proud of myself. I know it sounds silly but I find it hard to get up and getting up at this time is an achievement.

Need to pop into town, I have a few christmas cards to write for DD's nursery, I want to have a day in today once I get back. I am thinking of listing some bundles of DD's old clothes as I have loads and just cant seem to shift them. And old toys too. I need to be strong.

I am ok thank you. Bit all over the place but I am working on it.

How are you? xxx

Eager_Elephant

Hi Lost

When the creditors ring and say they do not have the paperwork they actually probably do have it but pretend they don't so they can hassle you by telephone and say things like 'Well just pay us £10 and we will hold the account until we hear from them'.
It is all just a ploy to get you to pay money outside the DMP.

I think I have mentioned this before but you can play a little game with them - when they ring and ask for you, say Oh I'll just go and get her and then leave the phone on the cabinet/table until eventually they get fed up and hang up, if they are still there after 5 minutes repeat again that you are just trying to find her and leave them holding on.
This should help run up there phone bill nicely!!! and hopefully will give you something to smile about!!!

Hope you have managed to sort things with DH and he is not being as controlling.

Lost_and_nervous

Eager_Elephant wrote: »

Hi Lost

When the creditors ring and say they do not have the paperwork they actually probably do have it but pretend they don't so they can hassle you by telephone and say things like 'Well just pay us £10 and we will hold the account until we hear from them'.
It is all just a ploy to get you to pay money outside the DMP.

I think I have mentioned this before but you can play a little game with them - when they ring and ask for you, say Oh I'll just go and get her and then leave the phone on the cabinet/table until eventually they get fed up and hang up, if they are still there after 5 minutes repeat again that you are just trying to find her and leave them holding on.
This should help run up there phone bill nicely!!! and hopefully will give you something to smile about!!!

Hope you have managed to sort things with DH and he is not being as controlling.

Thank you for putting my mind at ease, one of them finally got the hint the other day, one of the call centre sent me an email from his direct email then another one from the company one. Everytime they called me, I sent him the same email over and over again. It was quiet funny. They soon got the hint and have received the paperwork, funny that! They are so crafty and definatly do it to send you over the edge. I now have another creditor calling, so I think I may do the hang on one moment. I did also the other day keep say hello hello hello.

I think its going to be a life long thing with OH, but never mind. Thank you xxx

Lost_and_nervous

I have found a shop which says they take old silver, so have been through my box and am going to try to raise some money there. I have been through my cupboards having a clear out of beauty/bathroom stuff which I am not going to use. I am going to sell it as a bundle. I have decided apart from things I know will sell on there own, everything is going to be sold as a bundle. Make it easier I hope.

Has anyone ever lied about something to avoid going to see a family member cause you dont have the money/want to waste the money on travel. I have this weekend, I am worried it will come back and bite me in the bum but I just dont have the money to keep spending on petrol and its not exactly like I see them a lot. I feel awful for lying but I am trying to be practical and I do get very anxious driving long distances.

I went to toddler group yesterday and really enjoyed it. It was really good, DD enjoyed it too which was great. A bit sad its over with now til after Christmas. Must really focus on the house. Clear the house, try to sell and make some money.

Hope your all ok. xxx

Lost_and_nervous

Its been a very strange week and a bit, I have been doing some overtime, I have a target to try to do 21 hours a month - its so hard but I now have the hours I just need to achieve it. Its going to be hard and especially now the christmas period is here but I am determined to do it! That would give me about 250 a month extra. Just need to do it without OH realising to be honest, that way I can put it towards everything I want without him hassling me about 'the money I do have and why should he give me his money'?

I did the asda price guarentee on a few receipts and with the £5 bonus, I got £11.50 back in vouchers. So I am thinking use the vouchers, and put the money away. After all OH does pay the food shopping now, he just gives me the money and that way I can put towards the CC instead of his stomach and addition to a greasy spoon!

I need to start selling things again, I have been so lazy everyone, I dont know whats wrong with me I just havent done anything. But I have also noticed that ebay have had no free listing days this month, hope it comes up soon, I am going for bulk selling.

I have received £4.97 cashback in my bank account which I think is a nice little bonus. Its being split between the savings accounts.

Its very strange, in a few days Christmas is here, DD has a wonderful amount of presents for virtually no money, its amazing what you can get when you shop around and shop in poundshops. And I am definatly starting my christmas shopping for next year early, in the pounshops! It has to be better than freaking out at the last minute.

I know I am never going to be a millionaire but I am determined to be happy, financially happy, its just going to take a lot of hard work. New year is going to be exactly what it is - a new year! I am not going to be emotionally pulled down, mentally drained, I am going to find the inner me again! xxx

Lost_and_nervous

The countdown has began, christmas is on its way. Everyone has gone crazy and standing still and looking at the chaos makes me feel calm, its as if its all going fast and I am completely stood still. I just dont want to feel chaotic anymore, I dont want to be part of the crowd who go go go and dont relax. I want to be cool as a cucumber, organised and focused! I want to be in control and not out of control.

2012 is on its way, and looking at the end of this year and what the whole year has been I need to really focus on the positives and really take the positives forward with me and make the most of next year. I have never felt so determined. I have my positives notebook! When I do a positive it gets written down! I need a to do notebook and in that I will write all the things I need to achieve but I am not going to let it stress me out, there wont be any time frames, just as and when and tick off when its done. DD is growing up so fast and is becoming so independent. I want to make everything ok for her.

Without this diary I wouldnt have been able to come this far, its been tough and its been horrible. But I have alot more smiling days that unhappy days, I feel lonely still but not as lonely as what I used to and I am able to achieve my fears and put confidence first, something which I have not been able to do for a long time.

Its all about change! xxx