The single track road - life on a different path

liltdiddylilt

Thinking of you pet. Hope you've had a lovely Beaster weekend with lots and lots of Peter Eggs xxx

MeandO

Hello everyone xx

I'm back

Thank you all for your lovely posts and messages, I won't lie, I've found the past week or so really difficult and have been really down, but am feeling more positive today. Tiredness is not helping at the moment.
My parents are staying with me presently, but are heading home tomorrow, so I will update properly, reply to you all and catch up on diaries tomorrow night.

Hope you've all had a lovely Easter weekend

XX

MeandO

Just a quick number-based update this morning, I have now cancelled 2 of the 3 BT credit cards which have been paid off by the loan. The third will be cancelled when the direct debit comes out to pay that one off. I need to do the same for the tesco and barclaycard accounts once the barclaycard payment has cleared and when I find some paperwork for the tesco card as that got cut up long ago, then I will have no credit cards which is how I intend to live from now on.

I overpaid the loan by £500 yesterday as I received backdated payment from the tax credits of over £900 :eek:. No letter from them yet though, so I'm really quite concerned as to how much they've paid me, I hope it's not too much. I shall overpay more at the end of the month if there's still money left, but as I'm waiting to receive a letter from them first so I know where I am.

Will update properly tonight xx

Levi-

Missed you!

That is one hell of a back payment! I had a (much smaller!) one a few days ago too and the letter followed a day or 2 later so I'm sure it will be with you shortly, it gives a good detailed breakdown of what you are getting, any backdated figures, and what to expected every 4 weeks thereon. I also found out that we get a renewal pack every April so that will come soon too - where you can update any changes to income or whatever. I feel a bit more comfortable about the whole thing now!
Glad to hear you are feeling a bit chirpier and great to see you posting. x

Levi-

PS: Sig already looking ace xx

MeandO

Thank you lovely Levi, :heart2:

The tax credit thing is making me VERY nervous if I'm honest, hence why I'm keeping some of the money back. I'm assuming it's back payment, but I really don't know until I get that letter.

And you're right, I definitely need to keep posting, especially at down times..... I hid back in my little shell again for a week or so and it's not so nice in there.. dark, gloomy, kinda lonely and not a unicorn or coloured drawers in sight!
I missed you guys

xx

Levi-

No worries, the letter will come, and it seems they know what they're doing so I'm sure it's fine! Great result for you I am anxiously waiting my PPI claim "windfall" to come in (deadline 27 April) for a similar chunk but I expect to be disappointed! Just assume everything is fine and when the letter comes, if anything is wrong, just notify them asap and they will recalculate. Don't be nervous, I'm 99.9% sure it will be correct. I always find with the benefit stuff they send it to your bank account a few days before the letter so you have those "!!!!!! is this money?" days before you feel safe about what it even is!

Yay for posting :j

apple_muncher

Helloooo!

Thank you for coming out of hiding! You can stay in your shell, but only if you paint the inside of it... Levi and Lilt are seeking out turquoise paint even now...

The money stuff sounds good - the loan and the tax credits. Somehow, I reckon you'll soon have the debt licked and move on to kicking the mortgage into touch. And have lots of fun along the way xx

MeandO

Best I don't paint it Apple, I might get to quite like it in there lol! :rotfl:

xx

MeandO

Right, I promised I'd continue posting, despite feeling lower than low, so here goes... feel free to skip this, it doesn't make for very happy reading...:o

I've not been feeling very positive about anything for a wee while now, not just money/debt, but life in general. This past year, I have been more or less on autopilot and I think only now everything is hitting me. I'm crying at the drop of a hat (ie. now ), and I have been and still am, in total self-destruct mode.

There's things I know I should be doing and I'm not - eg. YNAB.

There's things I need to do and I'm brushing them under the carpet until they become absolutely urgent - getting orders out, cleaning, general 'stuff'.

I've let any level of fitness go and I'm feeling awful about myself to the point where I can't even look in the mirror. I'm eating crap and not looking after myself at all.

I know I'm grumpy and constantly irritable with people at the moment too and, not helping any of it, I just can't seem to sleep much more than a couple of hours a night.

All in all, I'm feeling in a pretty dark place at the moment.:(

My parents brought O back on Sunday, it's wonderful to have him back and I missed him so, but I was so irritable these past few days my folks were here, that now they've gone, I feel awful. I wasn't snappy or rude, I just really was in a constant bad mood. Every little thing was irritating me.

The ex and I also had a few words about stupid little things, he keeps constantly asking me if I'm ok too, which, I know it shouldn't, but it's annoying me even more. I just don't know how to snap out of this. I put on a very good 'face' at work and in front of people, but as soon as I step foot in this house and my boy is in bed, I just crumble. I don't have anyone I'd consider myself 'close' to here, I don't see Him much and I really only have colleagues and acquaintances here. Unfortunately, any confidence I once had has dissolved too.

It all makes for a very lonely existence, the evenings are definitely the worst. Don't get me started on bank holidays and weekends either, when my boy was away I literally didn't know how I was going to get through a whole day with nothing to do and no company.

Surprisingly, the only thing that is looking healthy is the bank balance, thanks to the tax credits!

So there, total brutal honesty from me tonight.
Yes, I'm feeling pretty sh*t, I am going to try and continue posting as I do know it helps, but I'm sorry if I'm not very upbeat at the moment.

xxx