New ambitious start! This is it!

desperate2save

mumstheword*** wrote: »

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 :-)

You are right, I feel so deflated today well that's a bit dramatic... I'm over tired! I will have to have a look at interest rates... I redone MY budget so just my income and the bills I pay and I seem to have more left over than what I feel I have if you get what I mean so I think I do some serious over spending! I am very like you, want it all done now but it's no good! I'm tired!! Thank you and good luck to you too! Xx

desperate2save

thegreenone wrote: »

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.

Hi ya. Thank you for your reply, I have never heard of PAD/skimming but what a great idea! Wow you have done so well, it's brilliant! I need to get more in tune with my online banking, I only really know how to check my balance and what direct debits I have. This is a great idea and I am going to invest some time in learning how to do. You are right about him, he is selfish! It's all about him and he's feelings and situation! It's very hard but I do need to move on! Thank you xx

desperate2save

natsplatnat wrote: »

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

Hi ya thank you for your reply, another very valid point! It's hard but I do need to give it my best shot! It's so easy to get into debt hey but I want out of debt! I want savings! Thank you xx

desperate2save

Bobarella wrote: »

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

Hi Bob thank you, I don't think things will ever be right with my dad, sometimes I think it would be best to just move on and give up on the relationship, I mean why be unhappy all the time! Only problem is he doesn't take the hint!

How far gone are you? It's hard isn't it 2nd time round with a little one who has you on the go, none of the first time round feet up with a face pack, swollen feet this time round... Get on with it, you can sleep later!! Xx

desperate2save

mumstheword*** wrote: »

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!!!

Baby number 2 is due at the end of June, so not long to go. We're you? Did you find your hormones different to the 1st? Wow 17 months, such a fun age! I have a stash of chocolate, you are more ths welcome to some! ! Cheap bars for the sneaky little quick fix in desperation and the luxuary dairy milk when I'm having 5 with a cuppa Rosie lee! Xx

desperate2save

Just thought I would catch up and update before my bath and pj time as I ended up getting into bed and that was the end of that the other night!

Couple of overwhelming days but the weekend is here and its a lovely bank holiday (and half term next week - dreading the expense as always - friends always insist on spending loads - it's heart breaking) - am going to plan the week in advance and make picnics as much as I can/flask of drink/bottles of squash. Got some seeds to do some growing in the garden, going to make cakes and keep madam entertained so I don't hear the phrase - I'm bored!!

As said earlier - done a budget for my income and the bills I pay and have a lot left well not huge amounts but on paper seems a lot - going to keep that in check this month so can start chipping away at the overdraft as well as the debts - I do want to start saving for Christmas but is that bad if I could be throwing the money at the debt?

Oh I just added the post to spam by accident - oh gosh - hope it doesn't get deleted!

I have been looking into the facebook selling pages aswell as ebay, only think I'm not too sure of is the people coming round my house - any suggestions?

I have an awful habit of buying food out and drinks which I want to knock on the head, it's continuos and I know it doesn't help even if it's cheap and cheerful it's not good! Need to change! Need to focus!

Found loads of change when sorting through things, been putting in madams money box to use in 6 weeks holiday, can put into bank and draw out in notes that way she has her own money, it's only 1p 2p 5p 10p and a couple of 20ps but hoping will be less draining on my bank balance!

So the weekend is nearly here, hoping to catch up on MSE over the weekend, been a bit all over the place this week! New fresh start tomorrow. Hope you are all ok! Xx

Bobarella

desperate2save wrote: »

Hi Bob thank you, I don't think things will ever be right with my dad, sometimes I think it would be best to just move on and give up on the relationship, I mean why be unhappy all the time! Only problem is he doesn't take the hint!

How far gone are you? It's hard isn't it 2nd time round with a little one who has you on the go, none of the first time round feet up with a face pack, swollen feet this time round... Get on with it, you can sleep later!! Xx

I sympathise. I had a very strained relationship with my own Dad due to his alcoholism. I hadn't spoken to him in many years before he died in 2011. I am grateful every day for the family I've made as the love I feel for and from them is unconditional something I never felt at home. I am 5 months at the moment. I'm finding lying down to sleep at night harder now and I get a bit puffed at times during the day but other than that I'm fine so far.
Anyway won't hijack your thread with my situation. I'm with the others. Small changes really work. NSDS are very useful too I find. It motivates you onwards!

desperate2save

Bobarella wrote: »

I sympathise. I had a very strained relationship with my own Dad due to his alcoholism. I hadn't spoken to him in many years before he died in 2011. I am grateful every day for the family I've made as the love I feel for and from them is unconditional something I never felt at home. I am 5 months at the moment. I'm finding lying down to sleep at night harder now and I get a bit puffed at times during the day but other than that I'm fine so far.
Anyway won't hijack your thread with my situation. I'm with the others. Small changes really work. NSDS are very useful too I find. It motivates you onwards!

I am so sorry to read that you also have a strained relationship with your father! It's great that you now feel that love from your family, it makes you want to achieve so much with them hey. Wow 5 months, it will fly by! I blinked and baby is nearly here. I know I'm a bit stupid but NSDs? Xx

desperate2save

It's been a few days since I updated and well it's been busy! I have now given up all hope of a relationship with the father and will just be polite and curtious.. Send the odd txt just so it doesn't get thrown back in my face that I am a terrible daughter... No point wasting anymore time, he's not gonna change will always be worst off than everyone else and will go through life blaming me cause he has provided for me... Trust fund can stay there!

We have remortgaged and tied the big debts in saving us a couple hundred pound a month... It's been accepted but is with the underwriters as this is normal practice now! Waiting for the letter then the money to clear big ones and then focus on the small ones!

I had stupidly pawned some jewellery and have been paying off the interest and re pawning as haven't been able to get it out, well it ran out yesterday and I totally forgot as haven't been feeling very well, will call first thing tomorrow and hope it's still there!

Lots of things sorted out to sell! Need to really start in that, the pile is huge! All the extra money I make will go towards the debts straight away! No hesitation! I need to check what the debts amounts are of my ones then post on here and start with debt busting! I will give myself a realistic timescale of 3 years just so I don't cause myself too much pressure! I aim to clear before!!

Well off to sleep as very tired!!! New start and new ambitions! I will get those savings!!!! Xx

desperate2save

Also survived half term and spent no more than £10!!! Very chuffed!