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!
Time to change my life
Comments
-
I am doing well with the gambling but slipped up and had a fag but only the one so not going to beat myself up about it.
Now realising there are people in my life that I don't need they aren't weren't who i thought they were and its very one sided and frankly fed up with it but now need to decide what I am going to do about it. I want positive people in my life and i think that's where I go wrong a lot and get dragged down.
Well another day of reflection.water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
£6,402
Second purse #64 £2.30/£2200 -
Not been on for a bit but still not gambling or smoking and now have paid my mum £150 back towards the debt and all my bills have been paid on time for the first time in ages. I had a bill from the water company for 9p which made me laugh but that is coming out by direct debit and the extra £51 is coming off my over draft plus the £58 that I don't have to pay in car insurance next month too. I have had a good NSD and also found a cheap butcher who sell 2 trays of chicken or pork for £5 someone at work told me about them so going to go there after next pay day and try and cut my bill. Reading back on my posts I ramble a lot and just type what comes into my head but well that's just me lol.water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
£6,402
Second purse #64 £2.30/£2200 -
I seriously need to sort myself out yet again been on a downer for a bit and gone back to my normal ways of gambling and smoking and back to square one again. My meds have been discontinued so now waiting to see the psych and see what they are going to do for me. The good thing is I am up to date with my bills and have enough food to last me until the end of the month (only need milk, fruit and veg). I wish I could stop the spiral of up then the biggest drop ever. Had a lot on my plate waiting to see if I will be made redundant, no meds and my daughter is being bullied so all is not well with me.
Well back to sorting myself out things to do this week are as follows:- Finish dd's room
- Do at least 6 washes and dry them
- Sort out meal plan
- Do at least 1 hours tidying a day
- Stop smoking for good
Quite a list but think I can do it I seem to keep on track when I come here I feel like someone is keeping an eye on me and I hate to let people down (even though I let myself down all the time).
Right off for now.water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
£6,402
Second purse #64 £2.30/£2200 -
Got to face HIM today but more about that some other time told dd not only school peopel get bullied but at least I can ignore it for the hour I'm stuck with it and ignoring I will be too. Not taking any cards nothing today so going to make it a NSD first of many I hope and done a new excel spreadsheet to keep me on track doing it only one month ahead as too many figures confuse mewater £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
£6,402
Second purse #64 £2.30/£2200 -
Oh no, Deep In, you were doing so well too.
I understand that you're not mentally strong right now, and that's all the more reason to not make things worse for yourself. Have you got an appointment date yet? Hope it's soon, but if it's not can you see your GP for help? And have you spoken to school about your daughter being bullied.
Your diary shows that you want to sort things out for you and your daughter, and to do that you MUST stop gambling, once and for all. The smoking is bad (and very expensive!) too, but at least you know roughly what that will cost you. With gambling it's much more unpredictable and you can land yourself with loads and loads more debt, no way of paying it back, and more stress/mental health worries. You've got to get out of that spiral, and quick. Is your mum still supporting you?
Looking at your previous posts, I see you've posted on the 'ex and wanna-be ex gamblers thread' on here. I think you should get back on there too, and get advice from people who really know what they're talking about and can help you more than we can on here.
Your soa shows that you can manage your finances OK at the moment, but not if you smoke or gamble. And if you DO get made redundant things will unfortunately look very different.
Sorry I'm not really qualified to give much useful advice, but I just wanted to reply so you know people want to support you and hopefully point you in the right direction xLBM Dec 2011. Aimed, but failed, to clear all unsecured debt by Feb 2019. Finally free of unsecured debt 21st May 21!
Debt Dec 11: Unsecured £69,579 + Mortgage £59,948 = £129,527
Debt May 21: Unsecured ZERO! ZILCH! Mortgage £22,3320 -
Thanks Happynow I am trying to take one day at a time.
The psych have got back not got an appointment until 16th March, my doctor is hopeless he isn't mental health trained and doesn't seem to get that I find everyday tasks hard and things get on top of me a lot and I struggle with everything. I wish just for once that a medical professional could walk in our shoes for just a month and see how it feels it like I look normal so therefor I must be normal inside too. I have tried to be honest in this diarywater £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
£6,402
Second purse #64 £2.30/£2200 -
Have had the best news ever today I am safe I am not going to be made redundant :T couldn't be happier. It is horrible watching people with their letters though and knowing they are going to be out of work so a bitter sweet moment I guess I could say.
I feel a lot less stressed now even though I might be on minimum wage I am glad to still be working so going to celebrate with a cup of coffee :rotfl:water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
£6,402
Second purse #64 £2.30/£2200 -
I said I would be honest on here and not quite been that I am scared one day I will decide to read this back and it will hurt. I suppose I need to get this out I am going into hospital tomorrow to have cells lazered off as I have the very early stage of cervical cancer I know I am going to be fine but waiting for the results scared me and made me realise whats important to me and that is my daughter and not leaving her with my debt and leave her with good memories of me and good times. Its been so hard but now I have a new outlook on life and realise that some things and people are not important to me and drag me down and stop me being me. Said it god sitting here crying like an idiot but had to get it out.
I now have realised time spent with dd is much better than the money I could ever spend on her. Tomorrow will be a new start and a new me. The rebirth of me and my new life.water £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
£6,402
Second purse #64 £2.30/£2200 -
Good luck with tomorrow. Hope things go well.0
-
Today went well got a smear test 5th march hoping that's the end of it. Slept a lot of the day I think it's relief and the fact I haven't slept much feel a lot better now.
Done a new excel spreadsheet and worked my bills out and set up a piggybanking system as mum and me fell out over money but I will get there. I now have bill, debt, holiday and car accounts all seperate with standing order going in each month.
I am now going to pay all food and petrol on my credit card and pay that out of my bill account each month as that gives me £250 for the whole lot which will force me to budget.
Me and dd sorted the freezer and cupboards out and now have enough food untilo the end of the month and a planner to go with itwater £82.00 Totally Paid June 2012, vanquis £290.00 Totally Paid July 2012, e.on £300.00 £189.00 Paid Sep 2012, Scott and co. £989 £918 Paid Oct 2012, s/p £400.00 £295 Dec 2012, o/d £2,000.00 Dec 2012, rent £1,600.00 Jan 2013, mum £1,500.00 £1,400.00 Feb 2013
£6,402
Second purse #64 £2.30/£2200
This discussion has been closed.
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.2K Spending & Discounts
- 245.1K Work, Benefits & Business
- 600.7K Mortgages, Homes & Bills
- 177.5K Life & Family
- 258.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards