In the Lowest Hour

MuffinTops

Hello Sam,

That's really nice to hear that you missed me. I missed you too.

I had a fantastic holiday and am now struggling to put the things in place that I went through while on holiday. Sadly, it's not something I can speak about much on here as I have a strong feeling some work people know this account, but let's just say some things get really highlighted when you get to see them again through fresh eyes again!

You really have done well, and I remember very well (still do it) that feeling that you've left yourself short because of what you've paid off. Then there's the desperate countdown to the next payday. Maybe it would be worth you putting a little buffer aside in a different account for times like these?

However - your unsecured debts are now £1420 less than when you started and you've gone from 7 debtors to 5 in a short period of time. You have to admit, that's amazing. I know how disheartening it is, but if you think that at some point in the future, all of this money you're putting to debts will soon be yours to do with as you need to. The possibilities that will open up for you. For me, it meant I could go from full time to part time and I can save a lot each month too. I also grew to love the process. I had to force it to start with, but just remember that every single penny you pay off to a "needless" debt will, in the not so distant future, be extra income for you when you no longer have to pay those debts.

I hope you're feeling a little better this morning.

MTx

Knitting_Nora

Good grief - I turn my back for a nanosecond and you're paying off debts all over the place! You are chuffing amazing!

*cheerleads all over the place*

Soooo, *ahem* isn't it about time you recognised your amazingness with a teenie tiny update to that lovely positive signature of yours?


Nora.xx

moneyonmymindsam

Muffin Tops I am so happy you are back but more so I am so pleased you had such a lovely time


Thank you for advice about the buffer ...would have saved me some stress if I had done that.


Must admit process still painful for me ...but totally agree I cant wait to be a bit more better off each month so I hope that will focus me to stay being good, I just hope I can stick to my plans.


I have very little left to sell now so we will see if I can get through the month...not that I have much choice now :$


You are wonderful and keep me going so thank you

moneyonmymindsam

Knitting_Nora wrote: »

Good grief - I turn my back for a nanosecond and you're paying off debts all over the place! You are chuffing amazing!

*cheerleads all over the place*

Soooo, *ahem* isn't it about time you recognised your amazingness with a teenie tiny update to that lovely positive signature of yours?


Nora.xx

Hi Nora, thank you for stopping buy ...I did wonder who had been at the virtual hot chocolate;):D


Yes boss will sort the signature ASAP

MuffinTops

Hello Sam,

I think the process can stay a bit painful for a while and then, hopefully, you wake up one day quite excited at the prospect of seeing how far you can make £3.51 go until you get paid in 10 days!!!!

I'm always here to help support you. You're also always welcome to PM me if you want to talk about anything.

So, as the debt situation is getting a little rough, do you have any plans on what you'll do once you are debt free? Is there anything that excites you for where you'll funnel your earnings when they're not already accounted for? Maybe that will help if you know what rainbow is waiting for you at the end of this current dark part of the tunnel?

You were so right on my diary about the cakes that grew legs. They absolutely did!!!!

MT x

moneyonmymindsam

Here is my next plan on next pay day I will pay off


C1............................. 200
SL............................. 255

£1,245 left

CT + RENT + G +E leaves £800
-135 Debt repayments

£665 - left
Top Up Gas £15
£50 put aside for Birthdays.


Still need to set proper budget and sort out priorities so I know what actual I have left for overpayments.

Nothing much really left to sell now...

moneyonmymindsam

MuffinTops wrote: »

Hello Sam,

I think the process can stay a bit painful for a while and then, hopefully, you wake up one day quite excited at the prospect of seeing how far you can make £3.51 go until you get paid in 10 days!!!!

I'm always here to help support you. You're also always welcome to PM me if you want to talk about anything.

So, as the debt situation is getting a little rough, do you have any plans on what you'll do once you are debt free? Is there anything that excites you for where you'll funnel your earnings when they're not already accounted for? Maybe that will help if you know what rainbow is waiting for you at the end of this current dark part of the tunnel?

You were so right on my diary about the cakes that grew legs. They absolutely did!!!!

MT x

Thank you so much MT :beer:

moneyonmymindsam

Praying that some of my ebay things sell tonight ..Fingers, toes and eyes crossed.

Knitting_Nora

Oh my giddy aunt - look at that new and fantabulous signature!!! You rock! Mwah!


Nora.xx

monz

Found your diary will susbcrive x