Life and times of a debt busting mumma

Enjoying_life_more

Rollercoaster_Rach wrote: »

:T

Had to call bank to cancel this payment (so I could pay it in installments) The bank suggested I switched to a different current account which has 0% interest on my overdraft!!! whoo hoo! Saves me £30 a month!:j Then I passed all the tests for a 26 month 0% interest balance transfer! This will always happen when you're not even trying! So my massive credit card debt is gradually getting shifted to 0% interest finally. So happy! Also found out quotes for home insurance for future reference.:T

Checked this morning and payment hasn't been removed for phone bill.:mad: Why do people say they will do stuff and don't. Scraping the barrel in that account now :eek:

Will make some phone calls now. Also lots of frustration re: car insurance who keep asking me to send documents that have already been checked and photographed and signed for, emailed the lot....:mad: Really annoying!

Anyway will try and sit in the sun at lunchtime and squeeze every last ounce of energy out of self..all books being scrutinized today :eek:

Cheers!!! Thank goodness for the weekend :T

RRX

Great news about the zero percent card and overdraft !! have a great weekend!!

Igamogam

Spontaneous digger kidnap - bet that wasnt in your risk assessment

Have a good weekend and fab move to the 0%ers

Skinnylatte

Yey great day, good for you. Have a great weekend :T

Rollercoaster_Rach

Hello

Well, after such a horrible day yesterday it was lovely to come on here this morning to you lovely people. Thanks for the messages xxx

Went through a 'can't see the light at the end of the tunnel' day yesterday...not helped in the slightest by PMT induced negative thinking and severe lack of perspective! :eek:

Weekend was mixed. On Sunday I had to drive to where my grandmother is now living to support with an investigation that's taking place. That was worth it! Money wise I put over £50 of petrol in the car :eek: which wasn't budgeted for. Never mind to that. Knew I would have a disorganised start to the week as no housework, washing or school work got done :eek:

However, it wasn't that making me miserable yesterday. I had an overwhelming feeling of not being in control with my life and that I was a big failure! Got a message at work that was negative re: my team's performance in an area that we've nearly killed ourselves on many hours spent on this. Felt overwhelmed by responsibility. Every second counts (being a single parent means that all the school runs etc I have to do which limits hours I can stay late) One of my best friends are leaving to live up North (she works with me). Another fantastic worker and support is going on maternity leave.

There's a lot of positivity around me but I'm feeling negative, mean spirited and horrible! Feel stuck I suppose, struggling after nearly 20 years of hard work. I completely accept that my decisions and life choices have got me here and that I have a ridiculous amount to be grateful for. My friends family are helping her financially with a move to a beautiful big house, doing all the decorating for her etc.. I feel resentful and then terrible for feeling this way!!! I have always had to do everything for myself and I'm just feeling very sorry for myself :o:o:o:o

I'm sure you'll understand this MIT but even the ex is swanning around in a shiny house, with a shiny car and another new baby in tow and it's infuriating! I know it's all superficial and I'm actually not a very materialistic person but I see all my furniture falling apart and no curtains on my windows, my fence broken in pieces etc. I'm choosing to pay my debts first before buying anything new and I suppose I feel a bit embarrassed after a few comments from my family. We've all been helping do a flat up beautifully for my nan and it makes me ashamed at the state of my own home!

I think this negative thinking feeds into all aspects of how I view myself then. So I look around at other colleagues (particularly senior ones) who look so organised and smart and confident. I know this is all on the surface but I begin to feel unconfident and incapable.

I am so sorry for the whining:o:o:o but I'm trying to be honest. I realise that I am actually very fortunate and I'm blessed and not suffering. I'm hoping today I will have a better perspective :T

On another note: I've been chasing my car insurance people (apparently sent wrong document...didn't reply to four emails...so will try again)

Did I mention I got a HUGE phone bill. Need to call company today to arrange transferred payment to next month. Want to make DD on the 1st of the month.

I definitely overstretched myself this month as made too ambitious over payments! :eek: Hopefully this will resolve itself next pay day

Thanks for letting me indulge myself and for listening xxx:)

RR xx

in_need_of_direction

Babes, we all hit this. Sometimes you just need to wallow for a day or two to catch your breath. I get what you say about your friend who's moving but you aren't your friend. She's someone who's happy to take the family help, you always seem more self sufficient than that to me. Also, have a look at your posts. What you see is you doing stuff on your own. What I see is you doing your stuff on your own but also you doing a lot for others. You talk about having over stretched yourself by ambitious overpayments. Do you know think it may also be on the £50 of petrol spends to help your grandma and other similar outlay? Also, at least you could access the petrol money. How much worse would you feel if you hadn't been able to help due to lack of funds.

Stop being so down on yourself. You're doing brilliantly. Also, if you need to feel more in control, write a list of achieve able stuff. As it diminishes, the feel good will return. Also, to quote my sister, if you put eat chocolate as the first thing to do, you'll end the day with at least one thing crossed off!

Take lots of care.

stripes

Hi Rach, lurker here.
Just wanted to let you know it's ok to have a downer but remember you have done so much on your own and you ROCK!

We need some of this :grouphug:

Rollercoaster_Rach

Ahhh what a lovely message INOD xxxx

I will not have a problem with eating chocolate each day...big tick!:rotfl:

Feel so much better today. What a difference a day makes as they say!


Try and get back on here later x
RR x

Rollercoaster_Rach

Hello Stripes!! x You are most welcome and thank you for saying I rock hahaha xxxxx

Pop in whenever x

Getmeoutofdebt

Hi Rach,

Just wanted to say "chin up" and give you some :grouphug: hugs!
Maybe theres something in the air because I had a right downer too these last 2 weeks! I even had a panic attack in the middle of the night 2 days ago because I had got myself so worked up about things like my job, car breaking down, overpaying on debt and leaving myself so skint I've no food money left and it's a week till pay day! A couple of days down the line and it's starting to wear off thank god! I've found a couple of new things to focus on that are taking my mind off the negatives....You are doing great and even if it feels like you are not getting anywhere sometimes, as long as you are not going backwards it's ok. Don't beat yourself up about it.
Hope things come good for you soon. You deserve to be happy, not stressed!
Gmood
xxx

Enjoying_life_more

So glad you are feeling better and I so admire your honesty about your feelings - just to add I have also had very similar feelings about very similar situations - we are human and it is normal so don't beat yourself up - you sound like an amazingly strong person and you are doing fantastic!!