Champagne Chaos

System

Well done on no grocery shopping!!! As for TJ, what a douche :mad: He sounds like an unreasonable horrible idiot!!! I think you had a lucky escape there xxx

TimeToChange

So sorry i have been neglecting my diary - i went to the parents and had a rather MSE weekend - just a bottle of fizz for the mother! She seemed to appreciate it!

I have picked up all the essentials i need from the shop so we are having another run the freezer down week - it's STILL packed! I am learning to be more creative with my ingredients too and think i'm doing quite well, i'm certainly enjoying cooking again.

If i manage to take my lunches in all week it'll bring the emergency fund up to a £5 (laughs a lot) but it is something and a start so i'm quite excited about swapping all those pound coins in the tin for a note - i must be such a looser! But, everyone has to start somewhere.

Due to the march silly mistake i still need to raise some extra cash..... need to think of more ways to do it and fast. I'm running out of time!!

Feeling weird really, slightly positive about getting the money on track (i executed my first credit card yesterday - just got angry at it and cut it up!!) but quite down in myself, i guess i really miss having someone to fall asleep with, i get lonely sometimes and start analysing why i'm alone and everyone else seems to be happily settled down. I guess there must be something wrong with me? i'm ok - just a bit down in the dumps, maybe im just tired - i didn't sleep well, i'll update from work to see if i feel any better

Happy debt busting today! Lets all try and have a NSD and maybe even make a few pounds!!!

CC xx

Beanie514

Chin up CC your doing great you should be so pleased your getting things back on track.

Maybe its time to go for that drink with the guy from work maybe even just a coffee to start with?

Good luck chick keep smiling xx

hummingbird

Hi there lovely! Happy Tuesday to you!!!!

You've been doing really well with no grocery shopping and another low spend possible this week too!

By the way there is nothing wrong with you!!!!!!!!!!!!!!!!! Please don't take the awful behaviour of your ex as any reflection on your lovely self!!

Glad you had a lovely time over Mother's Day (so did I:j ) Just spend as much time as you can with genuine people who will love and support you, and who love you for who you are. I didn't realize this when I went through my marriage break-up and I dwelt far too much on comments from people who either didn't understand or thought they knew everything!!!!!!! Gradually I found the true friends who loved me whatever.

You're doing absolutely great!!!( By the way I love collecting coins too!!! And changing them up to notes as well.:beer:)

TimeToChange

I'm getting annoyed with myself for being down in the dumps all the time! I just made an additional payment on CC1 & my store card due to the MSM and it's brought my debts down which is exciting but all i can see is the ridiculously long road i have to go down alone.

I'm generally feeling pretty cr**py today. i dont even know why, as lots of good things are happening, i'm just really feeling the rejection and heartbreak. I can't seem to drag myself out of it today so i might just go home and pick up a tub of B&J's and sit on the sofa and scoff the lot!!!

God!!! how did i get into this mess.

Alright CC, enough self pity, I have actually done really well this month and i'm hoping to start my spreadsheet as of April 1st. I just wish i could get out of this mess as quickly as i got into it. I know that it will teach me the value of things and make me save and appreciate everything i have from now on it is just so hard. I guess i see so many people who have it so easy or who are living on plastic. I have one friend who has knowingly taken out a loan which she never intends to repay, she thinks that after a certain length of time if she doesn’t repay they will write it off??? How can that be true? and why did she take this loan out??? to go on a glamorous holiday and to update her wardrobe. I now wont have a holiday for years and can't afford clothes. i know im being dramatic and there are people in the world who woul dkill for my lovely home and wardrobe full of things but i guess its the adjustment. I'm vutting down on everything and many people around me aren't. they are continuing to live on the plastic

How many years will it be before i can actually benefit from the good wage i work bloomin' hard to take home?? LOADS. but i guess its my own stupid fault. I need to sort out my priorities. I want to get one of my debts paid off in full by August 1st. Its only £385 which I know is a drop in the ocean of my debt but it will make me feel like I have achieved something. So I’m giving it a go!! I’m going to try a few things. Once MSM is resolved. Anything I sell will go towards it and every evening I am going to round the bank accounts down and the spare change can go against it. I can’t think of a lot I have left to sell, and I can’t take a second job or work extra hours (salaried & not permitted by employer to have 2nd job) so my money raising options are very limited – has anyone got any bright ideas?

Also, I have decided to go cash only. That’s it people you heard me THE CARDS ARE STAYING AT HOME!!! On April 1st I shall withdraw my spending money, divide it into envelopes and once it is gone. IT IS GONE!!

Lets see how it goes……………………

Sorry for the rant guys

CC xx

Beanie514

Oh CC wish I could reach into my tablet and give you a hug :-)
You are doing amazing things to get back on your feet and off the constant debt merry go round you've got to give yourself credit for what you have done.

As for your friend she will have to face up to her spending at some point I only hope she comes to her senses before she has to go bankrupt, thats not a choice to take likely.

We work with the cash only system and it really seems to help keep us in check with our spending (dh never looks at the bank and would just keep spending if i didnt tell him when theres no money left)

Lots of hugs keep smiling

TimeToChange

Ohhh Beanie thank you - i think i'm just being a miserable bu**er at the moment. I'm sure i'll snap out of it soon.....

I'm hoping the cash only thing willshow me what im wasting too - i'm sure the little coffe shop break or the bottle of wine won't look so appealing when i look in my purse and see only a few coins!!

Hugs back

CC xx

Beanie514

Not long now till friday night are you having your evening with the girls? I'm sure that'll help cheer you up!

Xx

dizzydonkey2

Hi CC


Well done so far, it is very easy to feel down, but life only gets better as the figures come down, however small an amount that seems at the time.


I speak from experience when I say it all seems very daunting at the start but you will be surprised at how quickly things begin to move when you take control.


Have you chatted to your parents, as they can often be a lot of help and support, and many have found not as shocked as we sometimes think they will be.


Keep up the good work, and enjoy the walks with the dog


DizzyDonkey

TimeToChange

Hey Dizzy,

Thanks muchly, i just get all depressed from time to time. My parents have been great, well, kind of - my mum and dad separated when i was young so the parents i call mum & dad (my mum and the guy who raised me who i call dad) have been fab, and completely understand the lack of presents and extravagant holidays. The other two, who i rarely see to be honest just told me it was my problem to get out of and i shouldn't have been so silly. NICE! i've come to expect nothing else from them over the years to be honest!!

Don't know what i'd do without the dog to be honest!!

CC xx