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!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide

Starting again... again!

I haven't been budgeting. I had a bit of a stress meltdown in February, followed by a week off work where I thought I'd recharged, followed by some professional exams, followed by another stress meltdown...

Well, in all of that, I pretty much have just been treading water financially. I haven't gone further into debt, but I haven't been paying it down either. So time to get back on track. My dog has a broken tooth that isn't bothering her at the moment, but the vet says it could abcess, and since it's a canine, will need a root canal rather than just extracting. If it does get infected, I'll have to put it on a credit card, but since she is still happily munching on crunchy food, I'm going to try and save up for it. (The vet estimates it will be £1000, but he wouldn't be doing the work--I'd have to go to a specialist, so I don't know how accurate that estimate is.)

Meanwhile, the stress meltdown put a temporary stop to my main source of extra income, doing overtime. The stress has been almost entirely related to my work environment, and I ended up in tears at my desk because I was overwhelmed by my boss asking me to make a trivial decision. Luckily the management was more understanding than I expected, and tried to help, and after a few discussions, I finally realized that what I needed was just more space. After a refurb last fall, they put the desks too close together, and I've been in a constant state of anxiety from it. They realized the mistake, and will be spreading out the desks at some point, but no time table is fixed. In the meantime, I asked for, and got, a desk move to a place with an empty desk behind me, and that made so much difference that I did 6 hours of overtime last week with no ill effects. Yay me!

So anyway, after not dealing with my debt for a few months, I want to say I'm back and dealing again. Not my first setback, and probably not my last, but I will keep coming back because I *so* want to be debt free. :)
Hi, I'm Mich :o
I won a years supply of Comfort fabric softener in November 2013 - more than half remains...
2015 survey proceeds £115.36

Comments

  • taxi73
    taxi73 Posts: 20,815 Forumite
    Hi and welcome back..glad you are feeling better now and like you say you haven't got into any more debt...so that's positive..well done
  • Sea78
    Sea78 Posts: 6,185 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Hi! I've started again (again) a few times now and I've found each time I get that little bit stronger and better with money :) Fantastic that you've not got into more debt and also of course that you know what was causing the stress and importantly, that something's been done about it!

    Sea xx
    CCCS DMP:Feb 07
    Total:£37,016.47 now £0 DEBT FREE FEB 14

    2022 Decluttering Campaign 49/1011
  • mh1923
    mh1923 Posts: 525 Forumite
    Thanks! It feels good to be back, and yes, I should be very proud of myself that the debt did not get grow. Come to think of it, that's never happened before during a setback. w00t!
    Hi, I'm Mich :o
    I won a years supply of Comfort fabric softener in November 2013 - more than half remains...
    2015 survey proceeds £115.36
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.1K Banking & Borrowing
  • 254.3K Reduce Debt & Boost Income
  • 455.3K Spending & Discounts
  • 247.1K Work, Benefits & Business
  • 603.7K Mortgages, Homes & Bills
  • 178.3K Life & Family
  • 261.2K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.