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BrandNewStart

Hi everyone

I am having a really blue day today. Just been in tears again

Doesn't help that I've had a nasty bug for 10 days and have been able to get no exercise. I don't seem to get out of the house and see people either - I isolate a lot and then feel so lonely. I have been worrying about my credit rating, I know that sometimes working with CAP et al can affect it adversely. I really want to move out of this (rented) house to somewhere lighter and nicer in August but I'm worried I won't be able to because of my credit rating. I know I am just on a low because of being ill and on my own but I just feell so negative about everything sometimes. I used tone a happy and positive person and I don't know where that guy has gone. I don't like the thoughts I have when in feel like this. I feel like life is over and I have missed the boat

Sorry for the moan

BNS

woodformoretrees

Blue days happen.....try and ride with it. You're on the right path and there will be less and less blue days as you go along.
Do you have a good relationship with your GP? Might be worth making an appointment just to chat things over. It's quite easy to slip in to depression and not notice. xx

BrandNewStart

Hi WFMT, yes I take medication and have some counselling too. It does kind of help but I really need to get exercise too as it helps me feel more positive. I have had depression for a long time now so it is just getting on and dealing with it. I am not always great when there is a holiday - better when I keep busy

SiannieLaz

Hiya BNS,


Big pat on the back for getting things moving in the right direction. It is hard changing habits you've had for years, I was on my DMP for ages, paid all my debts off and then ran up an awful credit card, so I'm still a work in progress! I found joining one of the challenges was enormous help, and still is.


With regard to moving, having a dreadful credit record (I have defaults on mine) has never made any difference to getting a rental property. I live in an expensive area (Surrey) and I have never had to get a guarantor or provide more than the standard 6 weeks deposit in advance. In my experience, as long as you're working, they don't care too much. Of course, that's not set in stone and other people may have had a more difficult experience, but it was never a problem for me.


I would advise logging on here every day, and posting as much as possible. There are always loads of lovely people on here, ready to provide good advice, kicks up the bum or general reassurance.


You've already taken the most difficult step, it gets easier from here on in xxx

DawnW

BrandNewStart wrote: »

Hi everyone

I am having a really blue day today. Just been in tears again

Doesn't help that I've had a nasty bug for 10 days and have been able to get no exercise. I don't seem to get out of the house and see people either - I isolate a lot and then feel so lonely. I have been worrying about my credit rating, I know that sometimes working with CAP et al can affect it adversely. I really want to move out of this (rented) house to somewhere lighter and nicer in August but I'm worried I won't be able to because of my credit rating. I know I am just on a low because of being ill and on my own but I just feell so negative about everything sometimes. I used tone a happy and positive person and I don't know where that guy has gone. I don't like the thoughts I have when in feel like this. I feel like life is over and I have missed the boat

Sorry for the moan

BNS

Sorry you are unwell, and I hope you feel better soon. However, debt is not the end of the world, and most / all of us on here have been or are in debt. Lots of us have also got out of it again, which just goes to show that it can be done

It is great that you have been able to confide in your real friends, and that they are being supportive. Why not join some of the challenges on here to help keep you motivated? As the debt starts to go down, that brings its own motivation, and it is easy to get a bit obsessed

Life isn't over, and even if you have missed one boat, another will come along soon x

BrandNewStart

Evening all (if anyone is on here on NYE??)

I wanted to post a progress update and ask a question or two. I struggle to find the time to post on here but I like coming here when I do.

My SOA would not appear to be that much further on than it was this time last year. However,CAP originally miscalculated things and I owed more than I thought. So I have been paying about £879 off every month. So I must have paid off a fair amount by now. I know that my current debt stands at £11310.64. So it should be paid off by the end of January 2016 I think.

I got a default notice from Santander today. My overdraft with them is being paid off by CAP so I don't understand why they have sent me them. I am just trying not to get too stressed out.

In other news, home alone on NYE! My depression is not too bad so long as I take my pills - I may not be jumping for joy all the time but so long as I take my pills it keeps me on a level. I really struggle still with isolating myself. I worry a lot about all of this every day. Sometimes I think I should sell all my stuff just to speed it up. I could probably raise half of it by selling my car and other bits.

Happy New Year to everyone. I know this is not forever and I will get there one day. Just doesn't seem like it now.

Wishing you all all the best for 2015.

BNS

judi24

Wishing you all the best for 2015 - I have been here many times before so get where you are coming from but you can do this! You are doing really well and only have a year left before you are debt free - think about last new year and how quickly the last year has gone - before you know it you will be on here posting that your final debt payment has been made!


Its not always easy and winter with cold and bugs and dark nights don't help - but it will soon be spring and you will be even closer to being debt free!

BrandNewStart

Thank you Judi.I am also prepared for it to take longer (if my flat is empty for a month or two, for example). Great advice on thinking how fast this year has gone

tealady

Hi BNS don't let being in debt get you down. I know it is easier said than done (been there got the t shirt) just hang on and the sun will come out again. Exercise can help with depression, you could also have SAD possibly?
Have you looked for any free or cheap hobbies (if you enjoy exercise see if your local park has a free outdoor gym) if you listen to music there are loads of radio stations accessible via the web. Doing something I enjoy often helps lift my mood and things don't have to cost much.
Hope you feel better soon.

Bobarella

Happy new year to you. I really feel for you with what you are saying about feeling isolated. I get that sometimes. But honestly I don't think that's a debt thing it's a me thing. I have found so much joy getting out to our local park this holiday. Feeding the wild birds. Watching for the regular birds you start to notice when you visit often. I don't know if that appeals to you but I do find a short walk and time outside is crucial to my good mental health.