Time to change my life

Alleycat

Hi deep in. Sounds like you've got some good support in your mum. Do you have a support worker who could also help you as it can be very difficult managing debt when you have mental health issues (especially bi polar I think).

Re your rent - are you paying anything to this at the moment? I'm sure you know it's a priority debt and if you're not paying anything with no agreement, it could be quite tricky.

Sounds good re the Ebay. I am so rubbish with that. Have a mad spurt where I gather things and photograph them, then get lethargic and struggle to have the energy to do anything.

deep_in

Statement of Affairs and Personal Balance Sheet
Household Information
Number of adults in household........... 1
Number of children in household......... 1
Number of cars owned.................... 1
Monthly Income Details
Monthly income after tax................ 897
Partners monthly income after tax....... 0
Benefits................................ 880.85
Other income............................ 0
Total monthly income.................... 1777.85
Monthly Expense Details
Mortgage................................ 0
Secured/HP loan repayments.............. 0
Rent.................................... 292
Management charge (leasehold property).. 0
Council tax............................. 90
Electricity............................. 45
Gas..................................... 46
Oil..................................... 0
Water rates............................. 60
Telephone (land line)................... 27
Mobile phone............................ 15
TV Licence.............................. 24.25
Satellite/Cable TV...................... 0
Internet Services....................... 0
Groceries etc. ......................... 150
Clothing................................ 15
Petrol/diesel........................... 110
Road tax................................ 12
Car Insurance........................... 58.19
Car maintenance (including MOT)......... 20
Car parking............................. 0
Other travel............................ 0
Childcare/nursery....................... 173.33
Other child related expenses............ 0
Medical (prescriptions, dentist etc).... 0
Pet insurance/vet bills................. 0
Buildings insurance..................... 0
Contents insurance...................... 4.6
Life assurance ......................... 0
Other insurance......................... 0
Presents (birthday, christmas etc)...... 20
Haircuts................................ 0
Entertainment........................... 10
Holiday................................. 42
Emergency fund.......................... 0
Total monthly expenses.................. 1214.37

Assets
Cash.................................... 0
House value (Gross)..................... 0
Shares and bonds........................ 0
Car(s).................................. 200
Other assets............................ 0
Total Assets............................ 200

No Secured nor Hire Purchase Debts
Unsecured Debts
Description....................Debt......Monthly...APR
Mum............................1526......150.......0
Rent...........................438.......73........0
Over draft.....................2000......200.......0
Total unsecured debts..........3964......423.......-

Monthly Budget Summary
Total monthly income.................... 1,777.85
Expenses (including HP & secured debts). 1,214.37
Available for debt repayments........... 563.48
Monthly UNsecured debt repayments....... 423
Amount left after debt repayments....... 140.48
Personal Balance Sheet Summary
Total assets (things you own)........... 200
Total HP & Secured debt................. -0
Total Unsecured debt.................... -3,964
Net Assets.............................. -3,764
Created using the SOA calculator at www.makesenseofcards.com.
Reproduced on Moneysavingexpert with permission, using IE browser.

Any suggestions to reduce my spending would be great

deep_in

I used to have a support worker alleycat but due to funding cuts I lost her in October she used to be great helped me budget and came out with me when I was scared sounds stupid but I miss her so much I felt I was really getting my life together and now I have lost all my savings thats she built up and feel so alone. My mum is great but she doesn't get why I gamble and I can't explain to her either she thinks I should just stop and that's that but it's not like that with me I really want to and then I end up back there again staring at the roulette table. I just feel sorry for dd she puts up with so much and just takes in her stride wouldn't be here without her she has so much to deal with for a 9 year old. Sorry pouring my heart out lol

deep_in

My rent is sorted I rang them and they told me to pay £73 a month and it will be paid off in 6 months but going to throw extra from ebay at it too.

deep_in

Went on slicethepie last night as I couldn't sleep I now have 25 dollars (not sure what that is pounds) to withdraw so once I have finished today that's going back in the bank and on some debt. I can do this dd asked me what my new years resolution was going to be and decided I am going to quit smoking and gambling and kick this addiction thing into touch once and for all. I'm scared about going back to work on Tuesday as I know my promotion is going to be offered again I turned it down last time but I am going to work through my fear and accept this time and make a dam good go at it. I am seeing the psyc on Wednesday and going to ask for a dosage change or tablet change as I can feel myself slipping back again my house is a tip and life is chaos again and I need to settle just seem to have millions going on in my head can't even sit down and relax yet I do nothing productive either I'm just in limbo of nothingness. I sometimes wish I wasn't bi polar but then I worry who would I be without it would I be me anymore I guess today is a day of reflection I know what I need to do just not sure how to get there at the moment.

deep_in

Well here's to the first day of the rest of my life. Last fag was at 11.30 last night and maybe I put the patch on too early at 1.30 this morning before going to bed as I was having weird dreams last night but not craving so far so that's a good sign as first thing is always the hardest for me. Day 2 of no gambling achieved :T go me. I made £21 on ebay not great but not a kick in the teeth either so I have 2 things to send out really must remember. I am getting there slowly I will do this just need to resist urges but thats the hard bit :mad:

deep_in

OK Butt into gear time make a list for today:

• Tidy dds room
• Sort all the stuff to go out in the shed
• Hoover house through
• Hang washing out
• Weed front garden
• Dig one allotment slot
• Ironing

That should get me going, going to do the outside jobs first as the sun is out at this time of year :j.

Need to keep busy as had my first coffee now craving like crazy not good.

Dinner is sorted for tonight I have fajitas ready from last night and salad and dd is having HM salmon fish fingers why is it I buy her a lovely piece of salmon and she won't eat it cut it into fingers and bread them and she thinks they're great with wedges and peas kids eh? lol

deep_in

Smoke free 2nd day
Gamble free 3rd day

Treated myself today to a packet of sweets :T helps the cravings but had the worst nights sleep ever only slept for about two hours craved like crazy and was having the weirdest dreams. Done a load of housework kept myself busy and been on swag bucks and played games on there. Not a lot else really today not looking forward to to morrow my first GA meeting and back to work.

deep_in

Smoke free 3rd day
Gamble free 4th day

Had a good day today I have been offically offered my promotion and I accepted so now need to get my backside in gear and sort it.

Went to GA and felt like a fish out water was the only woman there but they were so nice I had to speak and was so nervous I have a number for someone in the group who I can ring if I feel the need to gamble and realised this is all fixable and I am not alone.

I am so proud that I am no longer smoking as well figure I may as well give up both of my addictions at once and then I only have to go through this hell once. I have got to wait until Tuesday to start my debt busting but I am looking forward to it now I know that I will have more money than ever I will do this.

Here's to a new me you never know I might start looking for a mr deep in to share some time with lol

Spent my first bit of money only 52p on milk so I don't need to spend money at work on coffee

deep_in

Smoke free 4th day
Gamble free 5th day

So proud of myself if I do say so lol

I am finally feeling like I am getting somewhere. The no smoking thing is getting easier I'm not craving as much so less bad tempered now. I will become a better person, this diary is helping so much even though I feel like I am talking to myself most of the time lol Roll on Tuesday when I can make my first debt payment can't wait to see the figures get smaller and it might be even quicker now I have my fag money lol. I treated myself to a box of maltesers from the pound shop today to say well done me for getting this far dd thought it was funny as I opened them with a big smile on my face lol.