New ambitious start! This is it!

desperate2save

juicygirl wrote: »

Hi desperate2save,

Your diary struck a note with me as I too have one child with another on the way. Since I'm an out of control holidayaholic with plenty of debt I can't really offer much advice but just wanted to say hi and 'chin up'. And also, you are pregnant - eat all the chocolate you like! It's hard work growing a human! Xxx

Ahhh congratulations and thank you for letting me know I'm not alone! Isn't it horrible being in debt! It's really got to me these last couple of days but don't think the family issues have helped! I do worry about the chocolate eating as I do reach for it when stressed! It is hard work isn't it! I normally have an early night but my mind is racing 10 to a dozen! Do you have a diary? Xxx

desperate2save

mumstheword*** wrote: »

Hi there!! Parts of your diary was like looking in the mirror lol!!
Subscribed and will be reading with interest!!!

Thank you and lovely to know I'm not alone (even though I do feel it a lot!)

Thank you for subscribing - I will try to cheer up and be more positive! Xxx

desperate2save

So I'm still awake, desperatly wanting to go to sleep but my mind is all over the place! It's amazing how some thing effect you more than others and how when anxiety or panic enters the system it throws you! I am determined mentally to succeed but the minute someone bursts your bubble that's it, negativity strikes and physical determination goes.... Pathetic really! But hey I am on here for a reason and am hoping i can make amends with the bank, and have that little pot of savings!

Tomorrow is a new day, and I am not going to let things get to me, I need to face things head on!

I may need a little kick up the backside every now and then!

desperate2save

Today is going to be about positivity and trying to sort things out! I really have had enough and do not accept that this is life... Why should it be a struggle... Why should it be a battle... We all have ups and downs but it's about facing them head on! Which is what I am going to do!

I feel let down by my family, I feel ive let myself down too but this is time to change and almost out the rubbish and keep the good! Why keep suffering!

Each day I am learning things and this journey isn't going to be easy, but I need to succeed! I need to achieve and I need to do it with my head held high!

I got myself in this mess I need to get myself out of it! And change my habits, change my outlook and change my attitude!

mumstheword***

why not start small! If you try to attack everything head on it will seem like a daunting and unachievable task. Do you know which debt has the highest interest rate? Maybe focus on that - break it down maybe have a target to pay £100 extra off this month and set about doing it.
Maybe have one day in the week where you declutter one room or area and list those bits on ebay? Or choose a time to sit down and meal plan.
I'm guilty of wanting it all done and done now and then I lose focus - I'm targeting one debt at a time at the moment whilst repaying hopefully a bit more than the minimum on everything else.
Keep positive!! You're in the right place :-)

thegreenone

Hi, I'm with mums, a bit at a time. Ebay whatever you can in small'ish, manageable amounts. Have you tried skimming/PAD'ding. The nice skimming not the one where someone nicks your bank card!!


Each day log into your bank account and send one debt a small amount to make a round number on your balance I would target Littlewoods and Very that way. They can see you are trying to pay, otherwise you incur £12pm charges. Small amounts really do add up. I've sent PAD's to a loan just since 7 May and didn't notice the small amounts gone. Added it all up on yesterday and I've sent £82.22!!! Yep, just small amounts. Even if you only do a pound a day.


As for the trust fund. I would push it to the back of your mind. That's your savings pot. I know you won't get it until your parents are gone but think of it as your retirement fund. Your Dad's attitude is selfish, I don't mean to be rude but he's not going to budge is he? The savings are there, concentrate on chucking the debt. Good luck.

natsplatnat

I too would try and forget about the trust fund. Imagine how nice it will be one day to receive that money and have it for you... not to pay off debts! I know short term it doesn't help, but the sense of achievement as you clear your debts will be great - as YOU would have done it yourself (and to be really honest, if clearing your debt isn't at least a bit of a struggle, I think you are more likely to end up back in debt again! - If clearing my debts hadn't been such a drag, I believe I would end up back in the same situation time and time again!)
Wishing you all the very best on your journey. And do give fleabay a go - just one item at a time so you don't get overwhelmed! x

Bobarella

Hi Desperate
Just catching up on events. Sorry things didnt go well talking to your Dad. I am glad you are feeling more positive though, & the breaking things down into manageable chunks thing is important too. Take on too much & you just get tired too quickly & bogged down.
Im another in the 1 child, pregnant with no 2 bracket, I just forgot to say! My son is 6, so this one gets a bit forgotten in the high drama of most days (hello in there baby 2, we do love you)

Night
Bob

desperate2save

So today I have scared myself beyond belief! Why have I been so stupid! Argument with OH, total emotional meltdown resulting in a large bar of chocolate dipped in a hot chocolate and the feeling something bad is going to happen!

Bath, pyjamas and a cuppa to come back and read all your lovely replys and find some strength!

mumstheword***

when is number 2 due? hormones? i was an emotional wreck with no 2 (shes 17 months now). Would give my right arm for a bar of chocolate right now!!!