Living for the Present...after all who doesn't love a gift!

Skint_but_Optimistic

You know what you need to do and you dont need us to tell you.

Spending is a short term fix, like a cigarette. It will make you unhappy eventually. Dont throw everything away, youre stronger when you face it head on. Go back to basics. Write an SOA and keep a spending diary. YOU KNOW ALL THIS STUFF.

Go to the doctor. Get help for the stress. Go to CAB, get some help with the way forward with money and debt.

Keep the peace with the soon to be ex for the kids right now, tell him he can call round, but he has to arrange it in advance as you need to get the children used to how things are going to be moving forward.

Set yourself a goal. If its move out, look at what you need to do to get there. Ask CAB what agencies can help you to get the help you need.

Thats my two pennorth worth, but I think you know it all already. You are a smart cookie. Sort it and be kind to yourself. x

debtfreewannabe321

Am here! still no word from IS think i may have to call them soon!

Am pottering along, payday has been and gone and i've paid all the bills (no debts though still -oops) and i'm just trying to keep myself busy really... (so i don't spend anymore money lol)

Will pop back on at some point having trouble posting this as on mobile and it's being a pain in the backside

slm6002

glad your still popping by

please-let-me-be-lucky

Haven't been on for a couple of days so I missed your update. I can only echo what everyone else has said and I'm glad to see you back Xx

debtfreewannabe321

Afternoon! Well i have no laptop so not been able to get on. I can sometimes read your diaries on my phone but often the webpage is too large and it crashes (grr!) Have stolen my son's laptop to update you all quickly

Well i decided i ought to start paying my debts off again and have decided not to continue with the CCCS, although they were brilliant i decided i can cope alone now. And if it gets too much i shall go crawling back -well that is the plan anyhow lol.

So far i've paid off one creditor, hopefully will be saying good bye to 2 more this month (one is vanquis and omg have i had enough of their phone calls! and they have probably had enough of me and my cheek too :rotfl:) so will be down to 5 creditors if all goes to plan by 2013! Hubby has his own and is dealing with his. I'm not even going there again. He's is half moved back in (whole other story) but is away on work till december so hasn't actually moved his stuff back. I'm not entirely happy with everything but right now i need a roof over my children's heads and i need to pay for food & school fees!

DS1 has got his first gf, and has asked if she can stay over (in seperate rooms!) near xmas time....so no wonder he was so keen to stay in his school rather than come out when i gave him the option!

I'm currently putting lots of money into the debts, savings (which were utterly depleted during split) and i will review things another time. that's just how it is right now, really can't be bothered mode (:o) Tenant is one month late paying (SURPRISE!!!!!!!!!!!) and i have coped (just) so intend to use extra money to finish off xmas and also finish off vanq-!!!!!s!!!

I hope everyone is well and i'm really missing being able to get on here. I can just about get fb on my phone and everything else is pot luck as to whether my phone is not playing silly bu**ers! I will try to get back on soon, i could fix my laptop with money from tenants really but actually i'm in the mind set of paying off debt so thinking i should roll with that really

Miss ya all and hopefully catch ya all soon (and ps i had my splurges that i noted here and not once since it was clearly needed for the soul haha)


dfw

mandz1

glad to see your doing well dfw, wondered where you were but its good to hear from you and see that you are doing well. hope you get your laptop fixed soon, get rid of your vanquis and that your tenants pay soon.

stripes

Good to hear from you! X

grannyx2

Hello my lovely, its good to hear from you x

please-let-me-be-lucky

Hey you! Glad you are ok Xx

abba1772

aww hunni i'm glad your ok xxxxxx