I will not take no for an answer - I will clear you debt!

timetorebuild_2

So as my name says - Time to rebuild! As the title says - I will clear the debt! Its going to be a long journey but I am going to do it!

A bit about me - the wrong side of 20, a mum, a partner, a creative, anxious and shy debt ridden girl! Total debt around £6800! Ok so not huge huge amount but enough to make me ill - with Fibromyalgia. I have a hoarding problem, an overeating problem which has resulted in being 3 stone over weight and issues with motivation.

I suppose this diary will be a combination of debt clearing, soul finding, weight loss and general life changing. Finding myself again to make me a better mother, a better partner and overall a better human being.

I know it wont be easy, i know its going to take ages but small steps and lots of changing. I need to look into ways to make extra money, ways to save where I can, and ways to find me again.

I have mucked up, I was on a DMP but I broke it by not paying a couple of months, and now I have found it hard to get back on to it. I know I need to find out all of my direct debits etc and then budget properly. I need to sort my wages out as they are all over the place, I dont put expenses in on time, I dont put receipts in and I just skimp and scrap robbing peter to pay paul.

My house is awful, its full, cluttered and unmanageable. It stresses me out, and everything that is going on has given me fibromyalgia along with a few other things. All this which I need to address. I have been thinking about looking into therapy also to learn how to cope.

Food - I dont spend huge amounts but what I do spend is never enough to make substantial meals and seem to be always round the local shop topping up which costs a fortune and is not healthy.

I am always tired, and find it hard to manage my pain. But know if I lost weight, started doing some exercise and ate healthily this would help me.

I am lonely, as I carry so much around and just dont feel I can trust anyone to let it all out. I suppose this i why I am here.

So this is my journey!

maz1964

hi got to say your name says it all, well done for at least opening up with what you wish to achieve, have to say i have desperate moments in my life too and hence a lot seems unmanageable at times but coming online lately here and ive joined the make a payment a day thread, ive regained some of my get up and go towards my debts, so maybe let us have your SOA on here as a first step and we can all pitch in to help you on the road to success at least with your debts and everything else im sure will follow have a good nite and i will sub to your thread and keep looking in on you take care maz

sharpy2010

Just wanted to say good luck! Sounds like theres a lot to work on, but you've made the decision to do it, so now is the time to start.

Again, good luck!

timetorebuild_2

It's been a downward spiral of overeating, under achieving and a lot of arguments over what I should or shouldn't be paying with OH - I hate money! Onwards and upwards!

MrsSmith2013

Just wanted to say hello and good luck to you! I'm sure this diary will be a great source of help and motivation for you.

Will subscribe to your diary to keep up to date on your progress.