levi: la vida loca

bizzybee

It's going to be a long hard slog, there's no denying that but you must try and look at the positives (I know easier said than done).

I'm sure it's been asked before but which of the debts is costing you the most in charges/interest each month?

greyfox

Levi- wrote: »

sorry for low posting, just am really close to giving up - will never win this battle, no end in sight, 2 steps forward, 3 back.. endlessly.

Just have a look at your sig. I know the debt isn't going to disappear overnight but you've made real inroads into it already - over 8% if my maths is right. You may have had some knockbacks along the way but it's more like 3 steps forward 1 back and you will get there.

Don't even think about throwing in the towel. Lilty, I & several others would simply throw it straight back if you did - and you really don't want to upset a group of determined women!

Fortune_Smiles

I know you can do this Levi - look at all the battles you have fought and won since starting on this journey. You are building such a good life for you and little Luca.


Christopher Reeve said "A hero is an ordinary individual who finds the strength to persevere and endure in spite of overwhelming obstacles".


So pull those pants on over your trousers and go out and save the planet!


(Probably best not to let FGN see you on the way out though)


Fortune x

hummingbird

Hi Levi, back from my travels - I didn't take my laptop with me and didn't get to the wifi hotspot either so I now have a week's worth of online shenanigans to catch up with LOL!!! Looking forward to catching up with your diary - hope you had a brilliant Easter:T:T

apple_muncher

Stay with us boy! No towel flinging please. You are a good man, working so hard.

Let me know if you plan to do the pants over the trousers look and I'll come and take a photo. (don't know how to upload to here, but I bet it would be all the incentive I need to learn how to post it.)

please-let-me-be-lucky

Come on Hun, chin up. I'm not particularly religious, but my Dad used to carry the following poem on a card in his wallet. Since he passed away I carry it in my purse, and I find it powerful to read when I feel scared, alone or defeated.

One night I dreamed a dream.
As I was walking along the beach with my Lord.
Across the dark sky flashed scenes from my life.
For each scene, I noticed two sets of footprints in the sand,
One belonging to me and one to my Lord.

After the last scene of my life flashed before me,
I looked back at the footprints in the sand.
I noticed that at many times along the path of my life,
especially at the very lowest and saddest times,
there was only one set of footprints.

This really troubled me, so I asked the Lord about it.
"Lord, you said once I decided to follow you,
You'd walk with me all the way.
But I noticed that during the saddest and most troublesome times of my life,
there was only one set of footprints.
I don't understand why, when I needed You the most, You would leave me."

He whispered, "My precious child, I love you and will never leave you
Never, ever, during your trials and testings.
When you saw only one set of footprints,
It was then that I carried you."

- by Mary Stevenson



Let us carry you for a bit Xx

Levi-

You lot are too nice.. which is another thing I'm undeserving of.. thank you so much.. Lucky, that poem.. wow..one of the most touching things I've ever read and such an honour for you to share that with me.. thanks again all of you for endless kindness and compassion, honestly you're angels x

liltdiddylilt

Lucky - footprints is one of my all time favourite poems. Gives me chills everytime and I am not remotely religious.

My other is this:

God, grant me the serenity to accept the things I cannot change,
The courage to change the things I can,
And the wisdom to know the difference.

So Levi I am currently imagining all of these women, in some kind of WWE mega tag-team, watching you throw in the towel... picking it up and throwing it back then dragging you back into the ring. Every blow that doesn't kill you makes you stronger my lovely friend. You're in this for the long game, not the short game. We need to find you a way to focus - obviously focusing on the small chunks isn't working.

Maybe we need to start working out what percentage of your earnings total each month you have managed to push towards the debt. Maybe that is the way it needs to go.

Or maybe, just maybe.. we need to set up a 1 year plan. A year isn't a long time hun. I've just blinked and lost three years somehow! So remember, you're that arrow.. being pulled back, and eventually you are going to be flung forward into the land of perfect credit scoring... A year from now, the likelihood is that with the way you are paying towards the debt, you will have people falling over themselves to give you deals. 0% on BT's... more credit which will make the ratios of debt to credit allowed look better. A year and it will start to snowball..

I'm right here with Lucky.. and countless others with lovely broad super padded shoulders.. we can do this... let us help. xxx

MeandO

Lovely Levi, I really hope my 'miserables' haven't brought you down too.
I know it seems such a long way off, but you can do it, you ARE doing it. 8 years ago, I had my first LBM. The ex and I were in nearly £50k of debt, all on credit cards and two loans. I decided enough was enough and started to chip away at it - literally. I paid that off via eBay, surveys, selling books on amazon, car boot sales - you name it, every little penny I made went on it. I even paid little chunks off with my birthday money, much to the ex's protests. I felt like I was never going to be out of debt, but you know what, within 4 years I had paid £45k off. The remaining £5k was covered by our first mortgage.

It felt like the longest road ever, but I knew at least it was going down and I was one day closer to being debt free every night. 8 years or whatever it is may seem like a lifetime to you now, but think back 8 years ago - I bet it feels like yesterday eh? Time flies and all that...

Meanwhile, we're all here for each other on the journey, Levi and you have so many people rooting for you. It ain't gonna be easy hunny, but it will be soooo worth it.

Pm me or email me if you want to offload ok.

Xx

Levi-

thanks so much again.. lilt.. you're a superstar.. as are every single one of you who bothers to write to me. i had a horrible shock of a bill due in april that i had totally forgotten it was coming (landlord related) and it was something i'd already had 3 months grace on..its hefty lets just say.. and its set back all of my calculations, plans, every thing and i just felt/feel myself unravel rapidly.. plus work is diabolical.. so much drama not even to do with my actual job, just people i work with (JAW is a huge part of this)...i'm starting to overeat again.. i feel like i have undone all my hard work by this mis-calculation, and every time i ever think about getting just ONE of these flippin debts cleared (which by itself is a distant dream) all i have to look forward to after that is another one and another one and another one.. all of which take 90% of my money every month and the rest of life is a shower of !!!!! barely worth living.. well these are just my current thoughts... this too shall pass.. one hopes... i sometimes feel like my inner strength must reach a limit and maybe it is happening... or maybe it just needs charging up.. x