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

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Comments

  • girlatplay wrote: »
    I just typed a reply and lost it!! Grrrrr :mad: So much for positive thinking :rotfl:

    Anyway, chin up. Keep taking your meds. Don't be scared to touch your wages. Get a couple of nice things for DD, she is your baby and your rock. You deserve to treat her and she deserves a treat. Don't feel guilty about that.

    Think positive things and positive things will happen. I am now going to positively copy this message before I hit submit reply so that I don't lose it!

    Take care honey xx

    Your posts have pput a smile on my face, thank you xxxx I have treated DD I have decided to put a little lunch on for her birthday and invite a couple of the mums from the toddler group. Very nervous cause I never open my home up to anyone but I think it will be nice for DD. So yesterday I got some plates, napkins, little decorations from the poundshop and will take it from there.

    Positive thinking for both of us, xxx

    Hope you and little miss are ok! 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!
  • Am going to work soon, Its only a short day today so need to go in, make the most of my time and leave.

    I have got a headache coming on, time to drink some water and get rid of it. Its not going to get me down.

    I want to do a job today when I get home, even if its little. Just something. Not sure what yet but think I will let it be a spare of the moment, crack on with it. I inspire to have a lovely home for DD, I inspire to be organised for my own sanity and I inspire to be a better more positive person all round.

    I need to get out of the habit of spending money, I am waiting for one of those card reader things to arrive so I am able to do online payments from my bank account, I ordered it last night and am hoping that it will inspire me to make a payment a day EXTRA to get these debts down. Even if its a few pence I will do it. I have the mental determination and know what I want and need to do, its now finding the energy to do it which I think I need to work on.

    Making the best of a bad situation is the key and learning to love, work hard and be organised is all about changing the 'mentally knowing' to 'mentally doing'

    Well time to go, I will be late, I am always late :rotfl: I find it so hard to organise myself but its a working progress.

    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
    Aww how lovely for DD, a birthday tea :) I don't know about you but doing things like that makes me feel like a proper mum. Well done you, I know it is not easy for you. I'm sure it will be a lovely lunch. You are doing your best by your daughter. Be proud of yourself for that.

    I am always late for work too. For the past few years I have had the excuse of dropping Little Miss off at school. She starts high school after the summer and they start half an hour earlier so I won't have any valid excuses after that :o Although, she is quite particular about getting to school on time so chances are I will be on time for work!

    The matrix ladies say we can do anything for 15 minutes so choose a job and set the timer. I don't do it as much as I should but when I do, it really works! :D

    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: »
    Aww how lovely for DD, a birthday tea :) I don't know about you but doing things like that makes me feel like a proper mum. Well done you, I know it is not easy for you. I'm sure it will be a lovely lunch. You are doing your best by your daughter. Be proud of yourself for that.

    I am always late for work too. For the past few years I have had the excuse of dropping Little Miss off at school. She starts high school after the summer and they start half an hour earlier so I won't have any valid excuses after that :o Although, she is quite particular about getting to school on time so chances are I will be on time for work!

    The matrix ladies say we can do anything for 15 minutes so choose a job and set the timer. I don't do it as much as I should but when I do, it really works! :D

    xx


    Thank you for your kind words, its what mums have always done over the years and its something i want to do for DD. I am very nervous about it but I just need to put those feelings aside for DD.

    How the years fly by, high school. Is she looking forward to it? You can always use the excuse that she was taking ages to get ready :rotfl:

    I tried the 15 minutes the other day, it worked, but I ended up doing 30 minutes, I cleared out 2 large sandwich bags out of costume jewellery and bits from a drawer. Very pleased. 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!
  • Another week has nearly gone by, not very productive but overall it has been a lovely week, just need to work on the getting on top of things.

    Today I have got to pop out to get some shopping, going to try to keep it as low as possible. When I get home later on, I am going to do some jobs, I have abandoned my garden as the weather hasnt been all that and I have been feeling very down so i may go out there for a bit.

    I must find my repeat perscription and drop that in to the drs.

    I am actually dressed and so is DD so we are able to go out early today, I am very impressed with myself, its not very often that I can get up and ready so early.
    :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
    :j Wooo to being dressed early :j

    Little Miss is a bit on the fence about going to high school. She is sick of primary school and wants to get out of there but the thought of high school scares her so she doesn't really want to leave primary :rotfl: She will be fine ;)

    I had the urge to make soup last night so I made a recipe I got from the OS forum AND I made a soup that is my mums recipe. The OS one only made enough for two bowls so Little Miss and I shared one bowl and the other is in the freezer. It was nice so wish it had gone a bit further. My mums one made 6 containers worth. Mr G and his dd had a container each so I have managed to fridge the other 4. I'm sure Mr G will have one today and I certainly will when I get home so that leaves 2. All that work and it is nearly all gone :eek: Still, it is lovely and at least we are all eating healthily for little cost. I really want to start cooking and freezing stuff so that we have home made ready meals but it is just not stretching far enough :(:) I WILL TRY HARDER!!

    Ok, enough hijacking for one day :D

    The weather has been miserable, hasn't it? I hope you manage to get out to your garden soon.

    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: »
    :j Wooo to being dressed early :j

    Little Miss is a bit on the fence about going to high school. She is sick of primary school and wants to get out of there but the thought of high school scares her so she doesn't really want to leave primary :rotfl: She will be fine ;)

    I had the urge to make soup last night so I made a recipe I got from the OS forum AND I made a soup that is my mums recipe. The OS one only made enough for two bowls so Little Miss and I shared one bowl and the other is in the freezer. It was nice so wish it had gone a bit further. My mums one made 6 containers worth. Mr G and his dd had a container each so I have managed to fridge the other 4. I'm sure Mr G will have one today and I certainly will when I get home so that leaves 2. All that work and it is nearly all gone :eek: Still, it is lovely and at least we are all eating healthily for little cost. I really want to start cooking and freezing stuff so that we have home made ready meals but it is just not stretching far enough :(:) I WILL TRY HARDER!!

    Ok, enough hijacking for one day :D

    The weather has been miserable, hasn't it? I hope you manage to get out to your garden soon.

    xx

    Bless her she will be fine, it is quiet scary the whole high school thing but once shes there she will be fine.

    Soup sounds good and lovely. Its disheartening when you think your oing to have lots but there isnt but over time you will work out the amounts to get a good batch. Little cost and healthy eating is what its all about! Keep at it and keep trying.

    The weather is bringing me down. But it will get better soon. I hope. 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
    Keep at it and keep trying.

    I love your advice for me :) Right back at ya babe ;)

    xxx
    Mortgage at 12/07/2022 = £175,000
    Mortgage today = £161,690.76
    300 271 payments to go.
    House buyout fund £21,000/£40,000
  • Life is a constant battle but I am going to work through it. I have been going through and listing on ebay, have made about £11 so far which I am very pleased about. So much to list, just need to do a bit a day. I have even started to go through DD's toys aswell as clothes, theres lots of bits and pieces she doesnt play with now.

    I am still looking for some extra work, but I am being patient. Something will come up.

    Work has been awful, lots of changes, no time or motivation to get on top, its just so hard at the moment but am hoping I can get focused over the weekend to give me that boost I need to be the 'star student' :o

    Plants are coming on lovely, need to repot a couple as they are a bit unruling and not too happy in their pots. Me and DD are enjoying them. I know I wont get much this year what with all this bad weather but its a start and its an enjoyable start.

    I appreciate the small things in life. My medication has been increased, because I havent really been moving forward, my dr has been so helpful, there are so many kind people out there.

    Taking each day at the time, I need to write to CCCS re dmp, my wages have decreased, and I am not guarenteed the overtime so I need to inform them of this. So much to do.

    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 am due to leave work in 10 mins, I am due to be productive, but I want to be productive in my own home. But I need the money so I need to go. I also need to do lots, I am going to visit family next week so I want to get bits and pieces done so we can go away and start fresh

    I sit here and wonder why I have got myself into this mess, I wonder why I have let myself get to this down and in this state. I just want to get my head straight, and I want to get more in control so I am going to work hard to achieve that.
    :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!
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