We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
The Forum now has a brand new text editor, adding a bunch of handy features to use when creating posts. Read more in our how-to guide
We're aware that some users are currently experiencing errors on the Forum. Our tech team is working to resolve the issue. Thanks for your patience.

Please help, I've hit a brick wall and don't know what to do

13

Comments

  • Lucy1982_2
    Lucy1982_2 Posts: 4,611 Forumite
    1,000 Posts Combo Breaker
    I promise not to do it again!!

    I'm not sure I can put myself through this again!
    Current debt - £16,300 :(
    Debt at worst 17/03/2011 - £18,067.62:eek::eek:
    :ANot going anywhere else, ever again :A
  • Shineyhappy
    Shineyhappy Posts: 1,933 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Just want to say don't be too hard on yourself. We all make mistakes along the way (myself included) and just see it as a lesson to make sure you don't do it again! :)

    Not all of us make mistakes! Some of us are just perfect :A
    Debt Free - done
    Mortgage Free - done
    Building up the pension pot
  • Lucy1982_2
    Lucy1982_2 Posts: 4,611 Forumite
    1,000 Posts Combo Breaker
    :rotfl:

    I like to be perfect.... That's where the problems come in!!! :D I've just read something on another thread that has sort of stopped me in my tracks....

    this situation is not going to last forever, it's just a small chapter of my life.
    Current debt - £16,300 :(
    Debt at worst 17/03/2011 - £18,067.62:eek::eek:
    :ANot going anywhere else, ever again :A
  • Shineyhappy
    Shineyhappy Posts: 1,933 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Lucy1982 wrote: »
    :rotfl:

    I like to be perfect.... That's where the problems come in!!! :D I've just read something on another thread that has sort of stopped me in my tracks....

    this situation is not going to last forever, it's just a small chapter of my life.

    Only for some of us! Others of us happen to have got this huge self inflicted injury called mortgagius skinticus and this means that we will be on this site for the long haul. I reckon for about the next 20-30 years for me personally if my current situation continues.

    ..... wanders off to cry in the corner
    Debt Free - done
    Mortgage Free - done
    Building up the pension pot
  • Lucy1982_2
    Lucy1982_2 Posts: 4,611 Forumite
    1,000 Posts Combo Breaker
    But you'll have a lovely house at the end of it!!!

    I still have to save for a deposit... Could be the next 50 years!!! OMG....
    Current debt - £16,300 :(
    Debt at worst 17/03/2011 - £18,067.62:eek::eek:
    :ANot going anywhere else, ever again :A
  • Shineyhappy
    Shineyhappy Posts: 1,933 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    :eek: I dont think the debt thing ever truly ends does it? Does that sound defeatist? I think you just get to a point where you are comfortable with your outgoings. I really cant wait till I am attacking my mortgage and watching my outgoings constantly falling each month.

    Actually being honest I think in a few years I will sell my flat, hopefully making a good bit of profit and then I am going to !!!!!! off somewhere much cheaper than Hertfordshire.
    Debt Free - done
    Mortgage Free - done
    Building up the pension pot
  • Lucy1982_2
    Lucy1982_2 Posts: 4,611 Forumite
    1,000 Posts Combo Breaker
    Sounds like a plan.

    Well I have just change the account my Amazon money gets paid into, so that's going to be a little extra of my Lloyds OD next month, currently have £22.42 sat there waiting for me.

    My other OD doesn't earn interest, so it can wait until Lloyds have been go rid of!
    Current debt - £16,300 :(
    Debt at worst 17/03/2011 - £18,067.62:eek::eek:
    :ANot going anywhere else, ever again :A
  • Shineyhappy
    Shineyhappy Posts: 1,933 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    We will all get there in the end. I think most of the posters on here are probably more hard core that any of us would like to admit.

    Whilst we all have our own little treats whether its spending an extra 5 quid on the weekly food shop or having basic sky etc, all of us go without an awful lot of stuff and make huge changes to our lives to get us where we want to be. So I have every faith that everyone who uses this board on a regular basis will get there..... go team DFW!
    Debt Free - done
    Mortgage Free - done
    Building up the pension pot
  • Lucy1982_2
    Lucy1982_2 Posts: 4,611 Forumite
    1,000 Posts Combo Breaker
    I agree totally.

    I've been losing loads of weight (intentionally) and I think I need to treat this the same. It's not a quick fix, it's a way of life and one I will probably have to follow one way or another my whole life.

    Oh and I'm NOT going to Sainsbury's!!
    Current debt - £16,300 :(
    Debt at worst 17/03/2011 - £18,067.62:eek::eek:
    :ANot going anywhere else, ever again :A
  • Shineyhappy
    Shineyhappy Posts: 1,933 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    :T I am glad you are resisting the lure of the evil supermarket.

    I think being good with money is like being good with food. To be healthy and sane you need to eat the right stuff and not too much of it, where as money you can spend some of it -just not too much ;)
    Debt Free - done
    Mortgage Free - done
    Building up the pension pot
This discussion has been closed.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 354.5K Banking & Borrowing
  • 254.4K Reduce Debt & Boost Income
  • 455.4K Spending & Discounts
  • 247.4K Work, Benefits & Business
  • 604.2K Mortgages, Homes & Bills
  • 178.5K Life & Family
  • 261.6K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.