DreamerHelen's New Diary - "Ad Astra per Aspera"

DreamerHelen

Mara_uk7 wrote: »

Good for you hun, go for it, you can do it ! Hope for some interesting calls !

Thanks hun....I hope for some interesting Calls as well....And LOOOOOOOONG ones too as I get more money if they stay for a certain length of time....

Starting to feel a little more positive....I AM going to get my Target for the Week because I have to....so I will....

Mara_uk7

Morning Missus
Been a great weekend here, lovely weather and I made some Ebay sales plus a couple of bigger items on FB marketplace. Managed to FILL hubbys van with stuff for the skips too ... I do love decluttering ! lol So £165 up and a vanload of rubbish down ! Plus a few boxes for the local CLAN cancer charity shop.
The final payment on my car loan comes out this week, so as from Friday that will be me debt free apart from the mortgage, Which I dont really count as a debt since I have 50% equity in my house already !!
Hunting around last night for more treasures to Ebay, Hubby was hiding stuff as quick as I was finding it, Men are SUCH hoarders ! lol

Anyhoo, Hope you hit targets and have squirrelled away some pennies for the dreaded bailiffs ! x

DreamerHelen

Hi Mara....Glad to hear you had a great Weekend....

I'm really really down today.....I just don't know how I'm going to pay off this Council Tax Debt....I tried my hardest last Week and still couldn't make enough....It's just completely hopeless...At least it feels that way....

I think I've worked out a Plan where I can pay £115 per Week from the beginning of July but I don't think the Bailiffs are going to wait that long....

Everything just feels completely hopeless today...

I know you're all going to tell me to "buck up" and "get my act together" and "stay positive".....but right now I don't know how to do that....

I owe money all over the Place....I can't seem to earn enough money to keep going....and I just can't face much more of this stress....

I guess the one good thing is that I am going to Therapy this Afternoon so hopefully my Therapist can help me put things in perspective a little bit so I can carry on and make things better for myself....

Anyway....that's how I'm feeling this morning....Like I don't know how to carry on.....

Mara_uk7

ok .. Time to post up an SOA , Let us help you find those loose money pounds that escape so easily. List your debts, priority first, and start killing them.
You know what to do, treat your job like a "proper" full time job, with set hours and stick to them. We all have to do things we dont feel like, dont enjoy, but at the end of the day, We're all adults here and HAVE to just knuckle down.
Anything you can sell ? I was selling plus size clothes on Ebay, made over £70 with just a few items, I bet your wardrobe, if its anything like mine, is heaving with long unworn clothes.
I know youve had a hard time mentally lately, but you HAVE to do this, the bailliffs will take anything worthwhile you have, TVs, laptops, DVDs, and at the end of the day it wont be enough to pay the full debt off. Helen, how demoralising and demeaning is that.
Please get your act together, ID miss you if you werent able to post on here, I look forward to reading your pearls of wisdom ! x

DreamerHelen

Thanks Mara hun.....I really appreciate the thoughts....

My Wages change each Week so probably not a good idea to Post up an SOA....but I CAN list all of my Debts and cross them off as I kill them....

Top priority is obviously the Council Tax one....I'll list the others later tonight after Therapy....There are a few Payday Loans (silly me!!) and some other Debts....Just so hard right now to think clearly....

I know I just have to get on with it....That's the best that I can do....but just not sure quite HOW to do that....

I guess all I can do is just keep on going....

Shovel_Lad

How about posting a SOA with your average weekly wages? I'm assuming you keep records for the taxman?

Obviously you might not want to post such information but if you don't it's difficult for anyone on here to help you and offer suggestions.

"Just keeping on going" is what got you in this mess in the first place.

DreamerHelen

Shovel Lad....thank you for your words....but I HAVE to keep going otherwise I would just collapse in a heap and do nothing....that's what I mean by keeping going....I don't mean not changing anything...I know things have to be changed....

I'm not going to post an SOA because there is nothing that can be saved....I have been a member of MSE for a long time and I know what can be saved and what can't be....

I already know what I need to do in order to make a change....I'm just really struggling with it....

I think what Mara says is true - I need to think of my Job like any other Job with set times to log on and that they can't be changed....I need to think that if I don't log on then I will be fired...not, oh well I'll just go to bed because I'm tired...

I know I can do it because I've done it before....And if I've done it before then I can do it again....

Just have to DO IT....And keep on doing it....That's part of my problem....I give up too easily and think "Oh well, I'll just trim my Budget and change it" and that happens all too easily....

There is nothing that can be done with this Council Tax Bill...I just have to hope that I can pay it off before the Bailiffs come knocking....I'm going to pay it off by the end of August....That gives me July and August to pay it off week by week....and if I can prove that I'm paying it off every Week then maybe they will leave me alone to get on with it....That's the best I can hope for....

Anyway...those are my rambling thoughts...for what they are worth right now....

PestoPasta

Hi Helen, sorry you are not feeling too great today. But I have to agree with Shovellad. How about putting an average SOA and we can take a look and give some advice on where you might make some savings? I think a lot of us on here are pretty good with finance now - many of us have had huge depts to pay and come through the other end Please think about it at least....

Shovel_Lad

DreamerHelen wrote: »

There is nothing that can be done with this Council Tax Bill...I just have to hope that I can pay it off before the Bailiffs come knocking....I'm going to pay it off by the end of August....That gives me July and August to pay it off week by week....and if I can prove that I'm paying it off every Week then maybe they will leave me alone to get on with it....That's the best I can hope for....

Helen - seriously this is what you posted 12 days ago.
Has anything changed? Because if not you have 2 DAYS before the bailiffs will be knocking on your door.
Bailiffs are not renowned for failing to stick to schedule.

DreamerHelen wrote: »

Morning Everyone....

Feeling really down this morning.....I'm behind with my Council Tax and I got a Summons yesterday morning....and that's just for 2013....I'm still behind with 2012 Council Tax and when I phoned to make an Arrangement they told me that I hadn't kept to any of the other arrangements so they couldn't really help me....

So the upshot is that to avoid the Bailiffs I have to make a Payment of £500 in the next 2 weeks....And I'm not entirely sure how I'm going to do that....

Mara_uk7

Honestly, We're not nagging Helen, We care about what happens to you. x