LosingMyDebt's Diary - Rio Olympic's Countdown

Historybuff

Good luck LMD! Subscribed.

LosingMyDebt

Historybuff wrote: »

Good luck LMD! Subscribed.

Thanks Historybuff! :T

LosingMyDebt

Well after this mornings disaster call to BT where I ended up agreeing to pay them more (d'oh!) I have just had a much more successful time switching energy tariffs.

We currently pay £108 a month fixed but after switching we'll be paying £98 a month and saving over £120 a year!

:beer:

Much happier about that. Next stop car insurance!

DollyDreamer

Hello and welcome I am also a newbie in a very similar amount of debt and seems from reading your diary and others I am in good company and we can all do this with the support of others !!

I have subscribed and look forward to your journey

LosingMyDebt

DollyDreamer wrote: »

Hello and welcome I am also a newbie in a very similar amount of debt and seems from reading your diary and others I am in good company and we can all do this with the support of others !!

I have subscribed and look forward to your journey

Hi Dolly - Thanks! Yes we can definitely all support each other through this!!

LosingMyDebt

Tried calling BT today to cancel the order but they were closed when I tried. So that's a job for tomorrow now!

Also after checking the children's nurseary fees from September me and my wife were delighted to realise that we'd be paying a lot less per month than we thought due to kids being in term time only!!

This bodes well for paying the debt off!

LosingMyDebt

Oh yeah and I've add a signature with the gruesome details on! But i used a variety of nice colours so it looks better

LosingMyDebt

I wasn't planning on posting anymore tonight but I am in a strange mood.

I have had a great day, lovely walk this afternoon with the two youngest daughters and my wife. Boiling hot day. It was lovely.

But ever since I have been at home I feel on a low.

This happens to me quite a bit - I'm very up and down. A few years ago I was on anti depressents - the only time in my life I have been. But ever since then I have been massively aware of my mood and I worry when I feel like I am doing tonight.

Not because I am depressed, but because I know that the battle against depression is ever present. I don't really talk to anyone about it, aside form my wife of course. However I think she is very aware of it.

The thing is I hate feeling like this. But I can't snap out of it. I can't explain it any better than that.

At the moment I clearly have a lot on my mind. The past two years have been mad and life changing for me; quitting my job, retraining for a year, now the daunthing prospect of starting my new job which I am anxious about and of course on top of all this dealing with this debt.

I don't want to wish time away but part of me just wants to start earning properly again and seeing the progress of paying this debt off underway. I'll enjoy tracking what we have paid off.

We're going away for a week on Friday with my parents which will be brilliant. But money is so tight, I've actually had to borrow some off my parents to ensure we have enough for the month. This gets me down too.

I cannot tell you how many times, or how much we've borrowed over the years from them. It must be thousands though. I feel so guilty about it, but it's always been necessary when we have borrowed from them. And they always say they'd rather we had the money than see us struggle. But that doesn't make me feel any less guilt.

I will repay them one day though; once this debt is paid off my goal is to pay for them to travel to Australia so my mum can visit her brother and her nieces and nephews. That's my goal after the debt has gone. I'm not one to take and never give back and I've told them this (though not about teh Australia trip, I'll surprise them with that one day when I know we can afford it)

I think what's so annoying is that me and my wife have worked so hard over the past 10 years but despite having decent jobs (my wofe in particular) we never seem to be able to do anything more than tread water finacially. We had our eldest daughter very young and we've been on the back foot ever since, we've got through A LOT! I'm proud of that, but just think 'why have we not got any more money/savings etc?'

Yes in September that WILL finally change, we'll both be salaried and working full time. It will be amazing. But struggling to get through August - what should be our last REALLY difficult month just gets me down. I thought w'd have enough to get through August but 3 days in and we don't

Oh well - sorry for the long depressing post but just feel like I needed to get this off my chest.

Speak tomorrow when hopefully my mood is good again

bellybaby

Hello. I've just posted my 1st diary post and I know what you mean about working hard and yet still being in debt. Its frustrating when you're paying alot towards your debt payments but it will be worth it and it'll be easier once you start your new job.

LosingMyDebt

Had a much better day so far today!

I got up at 6am and went for a bike ride which was great.

Then I rang BT up and cancelled the order which I made on Saturday! :beer:

This means that come November we can look at the Phone, Broadband and TV package again and save a few more £'s

Also we have decided to do a car boot sale tomorrow too so we can boost our spending money for our week away next week. So far we have a LOT to sell!!!

How do we gather so much stuff??? :eek::eek::eek:

My mood is so much better than last night too - today is going to be a good day :j