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Making a new start
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![[Deleted User]](https://us-noi.v-cdn.net/6031891/uploads/defaultavatar/nFA7H6UNOO0N5.jpg)
[Deleted User]
Posts: 0 Newbie
I decided to write a debt free diary with the hope that it will keep me focused on the long road ahead of me.
I am approx. £20,000 in debt. I manage to pay the minimum each month but need to pay more. I am unemployed due to my health condition. Some days I am ok but other times I can not manage to walk anywhere. I receive DLA but that doesn't help with much. OH works as when required.
DAY 1
Today I have been sat reading through other diaries to try and pick up some focus. I need to cut down the spends on groceries and not keep going and collecting bits and pieces on other days.
I have decided not to go out today, that way I don't spend money.
I am approx. £20,000 in debt. I manage to pay the minimum each month but need to pay more. I am unemployed due to my health condition. Some days I am ok but other times I can not manage to walk anywhere. I receive DLA but that doesn't help with much. OH works as when required.
DAY 1
Today I have been sat reading through other diaries to try and pick up some focus. I need to cut down the spends on groceries and not keep going and collecting bits and pieces on other days.
I have decided not to go out today, that way I don't spend money.
0
Comments
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Glad to see you have started a diary. It's great or focussing the mind on what you need to do.
Good luck.1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%
[STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.0 -
Good luck to you US. Really hope you can get your debt free journey off to a good start with your new diary. Have subscribed." Your vibe attracts your tribe":D
Debt neutral
27/03/17 from £40k:eek: in the hole 2012.
Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
RYSAW17 £1900 2016 £2,535.16 2015 £1027.200 -
I ended up going out for lunch yesterday with OH and parents. I didn't spend a penny, parents paid for it all as they usually do. We then wandered around a garden centre but again never spent anything. They treated us to coffees. All in all a nice day and no thoughts were had about the money situation.
It will be a spending day today as I need to go to the supermarket for a few bits we have run out of. I will be going with a list and now straying from it.0 -
Oh, I seem to be following you this morning.
Glad you had a good day yesterday. It sounded very relaxing.
Shopping, urgh I hate shopping,all of it.1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%
[STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.0 -
My problem is that I love any sort of shopping. But I am determined to stick to the list today.0
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28/6/15
Yesterday ended up being a NSD. I went to parents for the afternoon so only used a bit of petrol to get there.
I have now found out the balances of all my cards and it is worse that I thought :eek:
Today is also a NSD. Can't get my head round what I have managed to get into such a mess.0 -
uselessnow wrote: »28/6/15
Yesterday ended up being a NSD. I went to parents for the afternoon so only used a bit of petrol to get there.
I have now found out the balances of all my cards and it is worse that I thought :eek:
Today is also a NSD. Can't get my head round what I have managed to get into such a mess.
Op when you get a chance, fill in a soa and pop it up on here that way you will have a clear view of your situ and will be able to see where you could cut back for example Mobile phones. food shopping, sky tv package's etc.... without really missing them much good luck with your journey hope you make some great dents in that debt“People are caught up in an egotistic artificial rat race to display a false image to society. We want the biggest house, fanciest car, and we don't mind paying the sky high mortgage to put up that show. We sacrifice our biggest assets our health and time, We feel happy when we see people look up to us and see how successful we are”
Rat Race0 -
I am not coping. I am sat here in floods of tears. I just want to run away and give up on my life.0
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Don't do that. You are in a bad way now but tommorow things may seem much brighter." Your vibe attracts your tribe":D
Debt neutral 27/03/17 from £40k:eek: in the hole 2012.
Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
RYSAW17 £1900 2016 £2,535.16 2015 £1027.200 -
Op as bob says tommarow is another day
you have to deal with this as soon as, otherwise it only going to get worse.
Come on, you can do this, we are all behind you, dont give up now.
"Believe you can and you're halfway there."
“People are caught up in an egotistic artificial rat race to display a false image to society. We want the biggest house, fanciest car, and we don't mind paying the sky high mortgage to put up that show. We sacrifice our biggest assets our health and time, We feel happy when we see people look up to us and see how successful we are”
Rat Race0
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