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

sexpot

Be happy. Good luck for 2012

Little_bit_dizzy

Lost_and_nervous wrote: »

Hi Diz welcome back and thank you for taking the time to read! How are you? Thank you for your kind words, its so hard to be though. But positive way forward

I picked up another item, I am getting all small cheap things at the moment, money which I wont notice.

Thank you so much, it means alot that you have come back to see my diary. Happy New year to you xxx

Hapy New Year to you too. Keep going with the positivity, yes it's hard and sometimes it feels like it's a tough road to travel, but it's worth it. I cleared a ridiculous amount of debt (though it took many, many years to see the error of my ways and get straight :eek:) but it's a great feeling once it's done xx

Lost_and_nervous

Little_bit_dizzy wrote: »

Hapy New Year to you too. Keep going with the positivity, yes it's hard and sometimes it feels like it's a tough road to travel, but it's worth it. I cleared a ridiculous amount of debt (though it took many, many years to see the error of my ways and get straight :eek:) but it's a great feeling once it's done xx

Thank you and well done on clearing a 'ridiculous amount of debt! Do you have any tips for me? I am having a brain storming day today and want to achieve so much this year! I want to be happy and at ease. xxx

Lost_and_nervous

I tried to write yesterday but my pc died on me so lost everything. Today is a new day! Done 4 hours overtime! :j I am trying my best to do as much as I can! I have listed 2 items on ebay, waiting for payment on 1 which has sold. Its a start! Im letting go of things! And even thinking of things which for example I have some weight watcher books which I bought and am using but I could scan them into my pc and then use them from there and sell them... a camera which is old but in working order - I use my phone (for ease) sell the camera! DVDs which I can sort of loose so OH doesnt know - sell!

I am also keeping all of the freebies from the odd kids meal when OH treats us, the colouring books/papers which we get from various things... am keeping them all as at the moment DD is too young to appreciate them and play with them, so am keeping them in a box and when shes older she can have them as a treat, or if were going on a long journey visiting family who dont have children, get something out the box. One way or another weve paid for them so why should the dustbin get them??!!

I have my aims and ambitions list on the go which I will work towards, I am continuously thinking of ways to make money, ways to get some extra money, I really dont need many things for my everyday life, I have been spoilt and now I know the importance of the smaller things. And I want to make money from all the things I really dont need.

I have a dress which I bought back in October but well have never been able to wear it as I took the tag off but when I put it on theres a massive hole down the side seam, someone said that I would be able to take it back and get a full refund regardless of when it was bought, is this true?

Thank you as always xx

Lost_and_nervous

£490 later to get car back on road, welcome 2012 - clearly your going to be the same as last year! Why do I need to have a car for work? So I can go to work and earn money for the bills! And now to pay the money back to my auntie! So does it look like its going to get any easier - not a chance!

I sit here dreaming of what I could do if I won some money, not like the average person - buy a new car, go on a nice holiday, go on a shopping spree.... I would clear as much of the debt as i could. Thats all I want now is to clear the debt!

I have been thinking about getting an evening or night job part time but OH wont allow me too... dont know why cause its not exactly like we spend much time together. I just want to get some extra money to throw solely towards the debt.

I keep thinking is there anything I can do to really get a little business up and running - but I just seem to fail or not even get off the starting block (or thinking block in this case)

I am listing some bits this weekend as its free listing but doesnt look like I am going to succeed there!

Oh I dont know, I suppose I am having a 'is it going to ever be easy?' day, the car has really got me down. It is just one thing after another.

but onwards and upwards, you can use Mr T's clubcard vouchers towards a holiday so may be able to take DD away after all this year to the sea side or something so its not all bad. Ive got £31.50 of unspent vouchers still so have been looking at what I can get. Also I have decided that I will only get Mr T's petrol for the points and also get other bits which arent too expensive! Something to look forward to.

I wont get beaten by all this, I really am determined not to be beaten! I want to really make the most of everything and succeed. I want to be debt free so I will be debt free! I just need to work hard to get there. And keep notes, notes about everything and everything I spend, do, need, need to do, justify everything and be happy!!! xxx

ebayqueen_2

Hi Lost

Will catch up on your diary. Haven't been on much since before Christmas. I wish you a happy new year and keep going my dear

Little_bit_dizzy

My advice would be to just set yourself tiny targets. If I had a bill that was £543.26 for example, my first target would be to get it down to £525, then to £499, then to £475 etc, etc.

I 'started' my DF journey so many times, trying to get rid of a £543.26 debt and when months later it was still a debt, I would be disappointed, beat myself up and fall into the 'sod it, I'll spend some more money to make myself feel better' trap.

Small targets are far easier to achieve and gives you more successes, if that makes sense. For me, those successes spurred me on.

Hope that helps and hope you have a lovely weekend

Diz xx

Little_bit_dizzy

Oh, and sorry to hear about the car... That's not good that it cost you so much

Lost_and_nervous

I'm not very happy, I feel stressed, down and totally fed up of the struggling and never getting anywhere!

I received a phone call the other day from a creditor and it was the first one in ages, well I answered and it wasnt for me, I jumped around the lounge then they have started for me again. I am so fed up of it.

All I want to do is get on top, do the best I can and be a better person. Be more in control and alot happier. So what do I propose to do, get an evening night job - trying to make extra money through selling things etc is far too stressful for me as its not bringing in what I want. But the only problem I foresee is OH! I am going to have to speak to him about it. I am going to have to ask him if its ok for me get an evening job. I cant carry on like this I am miserable on edge and always worrying. I am going to ask later on if it would be ok! I just hope he says yes.

I have emailed ebay asking them to lift my limits so i can list more. I am so fed up of not being able to list loads, only being able to list 7 isnt very helpful! I have explained to them my situation and how it would help me. Lets hope they take pity on me.

Well just a quick update must go xxx

ebayqueen_2

You are having a tough day Lost

Try and relax. Have a good chat with your oh tonight, explain that you can't keep living with this much stress and hopefully he will understand.

take care
E