Debt Free - Let's do this!! Medical related!!

learning_to_drive

It's very true, some sobering words of thought there, I'm getting over it, and as you say, time is a great healer, I just want to be better and over everything.

I think another reason is that as you say I am very impatient, always have been, I want everything yesterday, potentially this puts me under yet more stress, I dont know!

Its true though, I need to have a plan B should ASDA not work out, Im sure I will get over my g/f, its just my first big love, and I really did love her, I cant believe everything has happened like this, no job, financial misery, no g/f (maybe I pushed her away cos of my problems?)

I dwell on stuff too, I always have done, Im a bit of a wreck of a person really! All this has added together recently to pile the pressure on.

miggy

learning_to_drive wrote:

Very good, I hadn't thought of that actually, certainly something to consider, running and stuff like that. Keep me fit!!

Certainly the voluntary stuff is worth looking at too, I cant think of anywhere in particular but I'm sure if I looked I could!......................
Its certainly a resolution, to manage my text messages on my contract phone 100 times better than I have been doing.

Go for it!
You could always add the phone credit to your sig here if it helps you feel accountable.
Good to hear you sounding more positive, you have tons of potential you know!

miggy

learning_to_drive wrote:

I dwell on stuff too, I always have done, Im a bit of a wreck of a person really! All this has added together recently to pile the pressure on.

Dwelling on things can be either a strength or a weakness - if you dwell on the negatives they will loom large, but then, so will the positives, given half a chance.
There's a story of a man who pictured himself as having two wolves fighting in his personality. He told his grandson about it and the grandson asked him which wolf was winning the fight. The old man answered: 'The one I feed'.
So... don't feed the one that tells you you're a wreck! It doesn't, to put it mildly, have your best interests at heart.
End of lecture

CAFCGirl

wise words there Miggy.....

I've said it before, you need to take time and really think over your situation and your course of action....
I know at times many people have offered suggestions and information which on the surface we may listen to, but more often than not, given the stage in your depression that you're at, we look interested and what not, when fact is we're not hearing a single word that is said to us.

While I do think it best for you that you get back into retail, some of the tings you like about it may not be where your strengths really lie. All I'm trying to say is, think before you speak and look before you leap.....

We take small steps every day to get out of the spirals we find ourselves in, and one slip can send us right back down. Build on the little things which give you a stronger foot hold and the bigger set backs wont be more than a gentle breeze...

learning_to_drive

This illness is a f****g nightmare isn't it :mad: :rotfl:

CAFCGirl

The only nightmare is figuring out the difference between what we want to do and what we should do...........

I wanted to curl up in bed for a month and not eat, did it for about 2 weeks, then slapped myself about verbally and thought "If I was my BF/friend, I wouldnt know what to say or do with someone like me", which made me realise, noone else, no other job, no money, no clothes or haircut are going to make me better, you literally have to drag yourself up from the deepest part of your being, and keep on going!

learning_to_drive

Hi guys, merry xmas and all that!

Broke my non drinking resolution (was doing so well) yesterday, was out all day and night, bit of a yearly thing with mates, post xmas pre new year drink up. Was a good day, I had a very good time, but it strengthens my resolve now to carry on with the teetotalism.

With regards to the depression / anxiety / stress / whatever, I've been ok recently, looking forward to the new year, hoping that it will bring good things and that I am succesful at ASDA and then I can crack on with that. I'm over what happened with the ex, its was a sad time, but I dont think it was doing me any favours, she was really nice but we werent doing anyone any favours by staying together.

With regard to the debts, should I be succesful in claiming back my bank charges, £361 will go to paying back my FD overdraft, I am moving my pay (if i get on at ASDA) to my A+L account, that has no overdraft on it, so it will allow me to manage my money a lot better and budget for everything because I will have £800 or whatever to use, instead of £300 after the overdraft has been paid back.

The HSBC overdraft is coming back down, there is a £40 paypal pending on that account too, so we are nearly there with clearing that. I have closed down my share account (unused) and my savings acct (£1.73c) with HSBC, so once the current account overdraft is cleared I will be closing that account down. I have £106 worth of charges to claim back from HSBC, once those are paid out I will use that to pay off my catalogues. I believe I have another £30 from FD from a savings account overdraft fee, so I will claim that too.

Resolutions for 2007? Well had a very ropey back end of the year so I want to put that firmly behind me, get back into the work frame of mind, then the debt stuff will fall into place because I will be able to budget and throw extra money at the various debts that I have. Not go into my overdraft (easy cos my account at A+L doesnt have one), start matched betting too.

CAFCGirl

Sounds like a plan, but do you have definitives?

Like when will you pay, exactly how much etc?

Budgetting is always a nice word to say but you literally have to have it out on paper! I would recommend using one of your accts to have ur wages put into and then transferring a set amount into your A&L one to use as spending money and still have existing acc to pay bills etc. And then cut up the cards (if you havent done already) to any other accts apart from A&L, makes it much harder to just think "oh well £20 from that one wont matter" etc.

That way you know your bills will always be covered, your interest rate on the overdraft wont be so high if there is always a set amount being paid into that acct etc.

Something to think about anyway

learning_to_drive

Thanks CAFC girl, its certainly something that has been mentioned using the two bank accounts, one for DD's and then one for spends / snowball debts / expenses etc.

I have a pack for Citibank (spirit of Visa card and quidco) but Im confused as to how I would deposit money for example, as they have no branches apart from London and Manchester.

I would like to wish everyone a happy new year, and all the best for 2007, I certainly intend to make it a year to remember! Especially after all the problems that I've had, I will look back on the fact that in '06, Ive had several issues (ive learnt a lot about myself) but Ive had my LBM, Ive joined in at DFW (easiest the most gracious place ive ever been) and hopefully can put all my plans into action in 2007. No regrets, ever!

learning_to_drive

Evening folks, ASDA tomorrow, assesment tomorrow!!!!

Nearly packed all the ebay stuff that I sold before Xmas, paid off £50 off the HSBC account, just awaiting the clearance of the paypal money.

Nothing much new really, got a lot more stuff to ebay tomorrow, and then start looking through my cupboard for other stuff to sell that I haven't thought of etc.

My plans are complete for my bank account move, first stage is to claim back bank charges, once I get on at ASDA I can budget properly because I will know what I have to play with on a monthly basis, before that I'm keeping a spending diary so that I can track where my money goes before I attempt to budget for anything.

My A+L account will become my salary / dd / standing order account, hopefully I'll get my citibank account and then the amount that I have left over will be for my spends / overpayment on debts.

Hopefully I can sort out my financial situation out from there, wonder if anyone has a similar practice to this? Would it make sense to get the salary paid into the citibank account then have al the DD's on the A+L account and simply have a standing order that is transferred across to the A+L so that the DD's are covered.

I will continue with the ebay / quidco stuff though for sure, certainly need to start on matched betting too, but first I need to get a job!!!