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Debt free by 40 -- 19 Months and counting
Comments
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You are doing great Steph.. go easy on yourself.. life has a funny way of not going quite to plan sometimes..DFW (08/08) £64,346.53 Gone (02/19)
MFW (08/08) £118k Gone (09/23)0 -
I have added alpacas to the things I am looking forward to learning more about when you get a pair! Keep your chin up Steph.0
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Morning
Thank DFOD and tootallulah for your encouraging words. All abit lost on me today. I woke up and immediately felt an overwhelming feeling of misery. Don't know what's wrong with me lately.
I am not sure if I have stumbled upon a major character flaw of mine or if I am just being paranoid and oversensitive.
I just majorly feel that I don't have many friends, lots of acquaintances that if I text right now asking if they wanted a coffee would happily say yes, but no REAL friends.
I often wonder if I didn't send a text out to anybody for 1 month, whether I would ever get a text from anybody!!. that's the way I feel at the moment.
I know I am being very self indulgent, but I wondered if I maybe got it down on my MSE diary maybe it would help me sort it out in my head.
I have probably whinged about this before, but think that is the core of why I am feeling like this..
I have my little 2 hours of cleaning to go to at 930am and hopefully that will snap me out of it. I do think moping around at home on my own all week doesn't help my state of mind. I am the type of person that always paints the smile on when I am out no matter how I am feeling, but I don't have to do that at home on my own and I think that makes my funk just get worse and worse.
Just can't be bothered to do anything lately, the house is slipping back into a mess and I have been home all week. Grrrrr
Sorry for the morning moan. I will check back in later and hopefully I will be a happier nicer person.
xxxx0 -
Hi Steph,
I expect you just have the January blues. We all turn into the NY expecting wonderful things to happen and make lots of exciting plans and then we have to drag ourselves through this grumpy month....
Sending you lots of
I too woke up feeling miserable this morning and just can't wait for the next month to get going.. It seems to take an age to get to payday, I want my next lot of debt paid and like you, my house is a mess. I can't get motivated to do my dieting or exercise.. which is silly as I know this makes me feel better.. but on the upside..Spring will soon be here..
Justand it wil soon be the weekend too..
As for friends, well I think because of texts/email/social media etc, many of us don't spend the time we used to on our friendships.. I know that if I don't make arrangements for my group of girlies to get together we wouldn't....
Maybe you should text one of those friends and arrange a meet up.. coffee or at yours/their house for a glass or 2 of wine? A goodand put the world to rights.
I'm signing off now with abecause I like him...!!
Take care and I hope your mood lifts and you feel brighter as the day goes on.
Love Puzz. xChristmas 2020 £109
I love my dmp started in Nov 13 with SC. Self Managed 2016 57% done
£60062/25384.84 - 13222.60k UE
MY DIARY http://forums.moneysavingexpert.com/showthread.php?t=47686850 -
Hi Stressed Steph,
Sorry haven't been around much over the last six weeks. Just read the last few posts on your diary. Sorry you are feeling so sad, I totally understand where you are coming from and know how you feel. I think a lot of it , as you say, because you are by yourself much of the day. I feel exactly the same, and am sad to say have not been in touch with a few close friends I had because of how I felt (result of debt). They haven't rung because I have been so distant. I haven't seen them because I don't like to see people when I am down. Also they would not understand the situation we are in. This is why I am doing lots of little jobs - it gets me out of the house, and I talk to people there - small talk mainly - but I get the contact without needing to share too much information - can walk away at the end of the day without having to worry about work, but it keeps my mind busy while I am there, with a little bit of extra money made - not extra really as it all just goes to keeping up with bills, but it's something.
Hope getting out to your cleaning job works!
But also remember how well you have done in keeping everything together and reducing a massive amount of your total debt! An amazing achievement, so you do need to give yourself a huge pat on the back. :T
Hugs
NOAH
xxFeb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
Wombling Free Cash May2016 £510 -
Hi Steph, sorry to hear you're feeling down this morning - big hugs to you. I often find that plastering a smile on my face and chatting to people (no matter how I'm feeling) does end up putting me in a better mood. One of the people I work with once said that he wished he was like me as I am happy all the time to which I replied 'eh no you just see work tara'.
I certainly feel like that sometimes about friends especially just now when we are most of the way through January and I haven't seen anybody this month (except one friend who lives very close to my work so I popped in after work one day). Most of the people I'm friends with don't tend to keep in particularly close contact, we usually contact each other to arrange a meeting, meet up and then might not hear from them again for a few weeks/maybe even months until a message comes through about meeting up again. I think it would be great if we were in more contact but realistically with work, sometimes finding a date for everyone to meet up is a nightmare.
Puzz's idea is a good one, hope you feel better soon xMortgage 26.4.25 - £108,500 1.9.25 - £105,664.31
Mortgage overpayment savings - £7.93/£50
Mortgage overpayments so far - £800.960 -
Hope your ok Steph xxxNEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.050
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Sending you loads of ((((((((((((((((hugs))))))))))))))
I do understand what you mean about true friends.
I used to think I had loads of friends but realise now they are just acquaintances.
Try to talk over your feelings with hubby.
You are a wonderful wife and mum and try so hard to make them happy and safe.
Please take care x0 -
Hi Steph,
Hope the cleaning puts you in a better mood - think of the money!
I've finished my maternity leave now and go back to work on SundayIt's only one evening a week, but it all helps, and it keeps me in a job until S is in nursery in a couple of years.
Money wise our income will drop by around £400 a month! So we're going to have to tighten our belts until April when we will hopefully get a few more pennies in tax credits.
We still don't know if the car is fixable (is that even a word?) We thought it might be after a mechanic came round to look, but since them OH has taken some more pulleys off and found that the timing belt has come off in one place which may mean the engine is siezed....got to have a chat with his brother and we will see if we need to start madly saving money we don't have in order to buy a new one...
Sit down with a cuppa and some chocolate and let the chocolate release all those happy hormones
Sending hugs xxDebt FREE thanks to YNAB0 -
Thanks everyone.
Just had a little cry over all your lovely posts. Just don't know what's gotten into me this last week. Totally lost my mojo with paranoia added to the mix.
Finished my cleaning job, she is such a lovely lady, she sent me home with two large bags of Maltesers for the children, leftover from Christmas. Think one bag might go to the children and the other bag to me.
Maybe its that SAD thing people talk about. I might try to walk the dog in the morning to get some fresh air and maybe that will get me to start the day in a better mood.
On a sad note, I think hubby is going to have to kill my goose that got attacked by the fox. I think its neck is broken:(.
Off to drink my coffee and eat Maltesers until I feel better.
Thanks again everyone, what in the world would I do without you all. xxxxx0
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