We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

1656668707173

Comments

  • I am starting to love my home, I am mentally preparing for my challenges, its going to take a long time but I am going to do it and this week is the time to start. Everyday I feel stronger, everyday I feel ready to do more.

    I have asked for overtime at work again, as much as I can do without bringing myself down. I just need to wait now. It should help me get back on top again. I am being positive at work.

    I am taking each day at a time, I am going to stop using the car again, I have been lazy with it so enough of the car, time to get walking again.

    Working on my meal plan again, I need to get into a baking day habit, do it all in one go for the month, portioned and just need heating up.

    I was doing so well but my depression got in the way so I am going to start again and this time not overload myself. Its the only way.

    Thank you xxx
    :j DMP started on 1st Oct 11 - 6 yrs 0 mths till DFD :j
    May 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!
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Sounding good with you Lost :)

    Remember, with depression you will still have down days. It takes time to get back on a more even keel. Don't let a bad day put you off. Just pick yourself up and know that the next good day is on its way. Keep taking the medication. Also remember, you are not alone with the depression. Many people have it, way more than you would ever imagine. On a bad day you might feel like you are the only person in the world feeling like that but trust me, you are not ;)

    Keep smilling, you are doing great :D

    (((hugs))) xx
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • girlatplay wrote: »
    Sounding good with you Lost :)

    Remember, with depression you will still have down days. It takes time to get back on a more even keel. Don't let a bad day put you off. Just pick yourself up and know that the next good day is on its way. Keep taking the medication. Also remember, you are not alone with the depression. Many people have it, way more than you would ever imagine. On a bad day you might feel like you are the only person in the world feeling like that but trust me, you are not ;)

    Keep smilling, you are doing great :D

    (((hugs))) xx

    I trust you. And you are right about down days, ride through them then continue the next day on the positive.

    Thank you so much. xxx
    :j DMP started on 1st Oct 11 - 6 yrs 0 mths till DFD :j
    May 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!
  • I have had a couple of down days, but I have woken up in a more positive mood and ready to achieve.

    I have thought of really cheap meals to go on my meal plan, I want to try to cut the shopping even further, I have an allowance from OH for the monthly shop but I want to save where I can just so the 'leftover' money can go towards something else. No longer will I worry about fussy OH, things need to change in this house. I am going to work out everything even down to the amount of eggs used each week. Bulk cook where I can and freeze, up the veg in things to bulk it all out and hide it with a sauce. Portions are going to be exact as am fed up of wastage from a certain person and I am even going to get OH to show me his 'perfect' portion and then I will go by that. I am going to put the meal plan up in the cupboard so I can see it day by day, even down to lunches. Will also make a shopping list which I will stick to every month to make it easier to stick to the meal plan. Very exciting. Or is that sad of me.

    Need to really make some extra money, OH and I had an argument over money because I asked him for some money for a new pair of shoes for DD, he said he didnt have any until he gets paid and asked me where my money is, hello bills! Very frustrating.

    We are having a no spend day today at home and in the garden enjoying the sunshine, going to look for bugs, feel the different type of leaves and enjoy the day. And when DD goes for a nap I am going to do some ironing as am trying to keep on top of the house. I am starting to really love my home bit by bit. I am hoping that it will really help me sell the clutter, as i am still holding on to things. and also I have been very lazy with the ebay thing, but I think my plan to work my week out to so am organised will make it easier for me to allocate time to do things.

    I just want to change, be happy and achieve.

    xx
    :j DMP started on 1st Oct 11 - 6 yrs 0 mths till DFD :j
    May 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!
  • Friday is here and I wonder what it has install for me! Going to take DD to toddler group today at the play place, have a walk round town and try to do some bits around the house. After having a few down days I am now feeling better and ready for clutter clearing, debt busting and a change of me for the better!

    Meal plan is sorted, very exciting except still need to work on the shopping list, I went and done a monthly shop on Wednesday, so I got what I think I need, now its just working out for definate what I need. And also need to do some bulk cooking and freezing. OH actually gave me money for the whole month - which seems better as I will now be able to budget better, budget for top up shops, budget budget budget and save save save and put towards debts debts debts.

    I have started to go through my wardrobe to downsize and try to make some extra money. There we have it I have started. Ok its hard but I am feeling better and more determined to achieve.

    I have found an old mobile which I am going to sell to make some money. There is no point keeping it I might aswell make some extra.

    The sun is shining and time to crack on. Have a lovely day everyone. xxx
    :j DMP started on 1st Oct 11 - 6 yrs 0 mths till DFD :j
    May 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!
  • And its going to be one of those days... I have had to take today off of work, they arent happy but DD is unwell. What can I do, there is nothing I can do.

    The weekend was awful, OH was in a terrible mood and so that put a damper on the nice weather.

    On the depression front I am working through it, I have received my therapy appointment for the 31st May for 6 weeks. Its all towards working to a healthier happier me.

    I have done my meal plan now which I am happy about, and I am going to do some bulk cooking seeing am off with DD today. I also found a diary which I bought for this year but when I crashed I stopped using it. Well its out and I have started to plan in it which is good and helping me feel positive and hopefully more organised.

    I had a good sort out over the weekend of the kitchen sides, it felt good to chuck things. I just want to continue with this feeling.

    Today I am also going to list 2 items on ebay.

    Hope you are all ok xx
    :j DMP started on 1st Oct 11 - 6 yrs 0 mths till DFD :j
    May 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!
  • Dear Diary,

    Thank you for inspiring me and for being with me all this time! I am feeling good at the moment, and have done a few things:

    - Applied for a better paid job, with better prospects, little more travelling but just waiting to hear.
    - Start therapy next week
    - Started planting my veg and salad pots with DD
    - Kept to meal plan which has worked well

    Also i know by keeping focused I am going to achieve more, so I going to try to stay head strong. Thats the only way I can do it.
    :j DMP started on 1st Oct 11 - 6 yrs 0 mths till DFD :j
    May 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!
  • This will be where I will write down how many items I list daily and then if anything sells then how much I make etc. Starting from today:

    - 26/05/12 - 3 items
    :j DMP started on 1st Oct 11 - 6 yrs 0 mths till DFD :j
    May 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!
  • kelpie35
    kelpie35 Posts: 1,789 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    You are doing so well :j

    Hope you are successful with the job application.

    Hope you are finding time for yourself.

    Take care................and keep posting
  • girlatplay
    girlatplay Posts: 3,884 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hi Lost

    Yes, you are doing so well. It is lovely to hear you sounding so much happier than you were. Sorry OH was in a bad mood over the weekend last weekend. I guess there is no getting away from that. You know just to ride the storm until it is over.

    Keep your chin up, you are doing great :)

    xx
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.1K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.3K Spending & Discounts
  • 245.2K Work, Benefits & Business
  • 600.8K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.