What the hell is wrong with me..Spendaholics Anonymous

theemptypurse

:j



I'm awake ...I have had a semi - LBM every year for the last 6 years ...yet here i am ..

Rock bottom month is here .....maybe i will die of starvation at least then i wont worry about how bad things are..

What the hell is wrong with me....

Keeping this diary i hope may keep me on track to sort my life out ...unless the bloke upstairs starts to secure his Wifi ...Hey £15 a month saved and lets face it a saving is a good start.

I don't want to talk about debt ..they is plenty of it and plenty of time to talk about debt.

Oh the plus is the roof has stopped leaking

Choices ...making the wrong choices that lead to debt ...:( making the right choices that can turn my life around.

I haven't been off sick in 22 years ( i can't live with the guilt) yet i am so low I feel like being of tomorrow..


Running through my mind is store cupboard - sort out food for the month.

SELL what isn't nailed down...i'm working 8am to 10pm 5 days a week and i'm knackered...

I'm going to start tomorrow fresh with a goal...( really thinks will get up late ...swear a lot due to being late and end up be miserable) time to tackle my life...

Money matters ...:T

Actually quite annoyed i didn't have my LBM when i had some money ..lol :rotfl:

theemptypurse

Looked at credit report on Noddle ...feel sick... loathes self a little more and goes to smoke a cigarette...

mary_hinge

Welcome aboard Purse :beer:

The early days can feel very lonely, frustrating and at times damn right miserable. Little steps each day and all.....

Mrs H x

mobo1980

Hi purse ,

Good luck starting your journey , let us know how you get on

Mobo xx

theemptypurse

Thank you both so much just what i needed a little lift :)
Doing well with Slimming Mrs H ! Impressed.

I have read loads ...another late night ...must admit i still feel sick at the state of things ..:/

theemptypurse

To do
soa
budgeted plan
debts
make list of toiletries - do not buy use what i have
Same for cleaning products
Sort out a pantry / store cupboard - as this month i will be living out of what in it
selling on ebay - or cajole a friend to do car boot ...looked into local market stall once a month - only 5 fee..next one is 25th October ..
Join challenge of Make 10 a day ?? or even £5

I realised its not me that i hate its the debt..what have i to show for it ..diddly squat ..not sure how much diddly squat sells for ..lol

If all else fails i could sell my soul ...oh I forgot Nwest and Bcard have already got that earmarked for recovery ...

I'm tired of losing sleep over debt ..I am scared of a payment plan ..why?
need to think about what i am going to do with my life ..

LINKYPIE2009

Hey purse.....

At least you have a plan to start heading in the right direction. You are certainly in the right place....

Once you get it all written down there will be som lovely person on here who knows far more than me who will help you start taking the steps towards being sorted.

I will subscribe and pop back and see how you are getting on.

Speak later x

Linkypie x

mobo1980

Good morning

At least you are facing up to things purse ,thats a good place to start
a few years ago I didn't think I had anything to look forward to i was £32,000 in debt and living with my mum with no monies to live on, I knuckled down paid my debts off and now have just got a mortgage ,im 34 so it's a bit late but I appreciate it because it was hard work .
my inspiration was a bit of Dave Ramsey and a lot of advice lurking on here!
P.s I am also a bit obsessive about stocking up my cupboards (in case im ever short of money again)
OOh look at me rambling !! Anyways have a good day and hope you start to feel a bit better today

Mobo xx

theemptypurse

Thank you all so much

theemptypurse

ok ...

I have spent today on food shopping ...my receipt is £13.17 ..i probably would have been better buyimg 13 bars of chocolate and living off that
I suppose i am lucky I am a "storer"...i have plenty of food, toiletries and cleaning products...enough to keep me going..tight !!!! has a new meaning i didn't buy toilet rolls as i know i can get them cheaper elsewhere ...

I live alone so lucky that i only have to look after me ...but inevitably miss that person to lean on in the dark times..

added today from the shop..
soup
chicken
Milk
10 cigarettes
Tinned fish
Cheese Big half price block so £2 something
6 packs of wotsits
Shepherds pie
tinned beans

Some good news hoping to make £15 cash tomorrow from the sale of some clothes

laurag89

Hey EmptyPurse,


Welcome! You are absolutely in the right place to get endless amounts of support.
Your not alone here, most of us have reached a very similar position before the LBM. Don't beat yourself up, I can't pinpoint one specific thing that racked up all my debt.... just an endless amount of bad choices I think. I also suffered with loss of sleep.. constantly waking up worried sick about debt and how I would cope if I ended up out of work somehow.


Little steps in the right direction help, and even if you can't pay off huge amounts a month paying something is still getting you closer to getting rid of it.


Sometimes its easy to let it get you down... I have many times, but life is short. Make a list of who you owe too, the rates of interest payable, minimum payments and how much you can actually afford. Doing a snowball calculator works well because you may be able to change your payments around to shift the debt quicker and cheaper.


Good luck! I am subscribing, and cant wait to see your progress.