I WILL get there!!

Kitten868

do you think you're anxious because youre coming to the end of your debt? It's been a very sure path for so long now. plus in your head do you think no more debt means you're going to have a baby and you're not ready to do that with oh yet? or that youre scared of it not working. there's lots of babies around you at the moment. it will play on your mind.
just ride through the anxiety. it doesn't have to win. I find fighting it helps pitting myself against it. hope the new house is snag free now xxx

GeorgianaCavendish

Well done on reaching 80% - that is a brilliant achievement!
I hope you are feeling better and a bit less anxious now xxx

kirtsypoos

Thanks all

Kitten, I really don't know! I think it's partly that I turned down the job offer because of potential children but what if it doesn't happen, what if I'm already too late? I do get quite anxious for no real reason a lot of the time (well, there is always a reason but I usually don't notice it until after I start feeling better)
Also, I've never not had my 'own' money, and the thought of maternity pay is petrifying!

OH thinks it's just because I love the house so much. And I do, I just want to be able to leave it without feeling like I'm going to pass out

Today has been a bit better. I had to go to a meeting in Bristol by myself as my Director has done his back in and as I didn't have a choice I just turned the radio up and started driving.
It was a successful meeting which made me feel more confident and there was a crisis whilst I was there so I ended up sitting on a car park for almost 2 hours making phone call after phone call to make arrangements for yet another contractor who did something wrong :mad:

My meeting was at a lovely company though, who specialise in dementia care homes and the place was lovely - they really take on board the results of research studies so each room has a proper front door, and all the corridors are round rather than straight as apparently these are things which make a difference for dementia sufferers. Really heart warming

kirtsypoos

PS payday tomorrow

enthusiasticsaver

You are doing brilliantly. 80% in less than 2 years and with moving house twice!! My advice with maternity pay is see if you can live on what your OH earns and your forecasted maternity pay as soon as you can and save (or reduce debt with the difference).

Jessy103

Hi kirstypoos! Well done on the 80%! With regards to your anxiety have you ever tried yoga? I found it really helped me, especially the concentrating on your breathing. Might sound a bit daft but I find when I'm getting anxious if I just concentrate on breathing in slowly for 5 seconds and then out slowly for 5 seconds it helps calm me down. Hope that helps abit!

Take care x

crazy_cat_lady

Hi Kirsty
I don't know if this will be of any use to you at all - but when my anxiety is up I do most of these...
http://psychologytools.com/unhelpful-thinking-styles.html
It helps me to recognise I'm not the only person in the world that does this, and helps me to put things a bit more into perspective.

kirtsypoos

Ooooh I've just discovered this mutli quote thing, very impressd

crazy_cat_lady wrote: »

Hi Kirsty
I don't know if this will be of any use to you at all - but when my anxiety is up I do most of these...
http://psychologytools.com/unhelpful-thinking-styles.html
It helps me to recognise I'm not the only person in the world that does this, and helps me to put things a bit more into perspective.

Thanks CCL, I have bookmarked this to have a look at on my lunch break when I'm not rushing. I know I can get it under control but sometimes some of the techniques I learnt during CBT feel like they aren't working anymore, so I'm always happy to read up on things that work for others

Jessy103 wrote: »

Hi kirstypoos! Well done on the 80%! With regards to your anxiety have you ever tried yoga? I found it really helped me, especially the concentrating on your breathing. Might sound a bit daft but I find when I'm getting anxious if I just concentrate on breathing in slowly for 5 seconds and then out slowly for 5 seconds it helps calm me down. Hope that helps abit!

Take care x

Thanks Jessy I wanted to do a yoga course but it's going to be my treat to myself when I'm debt free as the one I want to do is quite pricey. We have got a wii with yoga on it though, so may well start doing that of an evening

enthusiasticsaver wrote: »

You are doing brilliantly. 80% in less than 2 years and with moving house twice!! My advice with maternity pay is see if you can live on what your OH earns and your forecasted maternity pay as soon as you can and save (or reduce debt with the difference).

Thanks enthusiasticsaver The plan is to let OHs salary pay the bills when we find out, and my salary will then be split between savings, debt payments and some fun money (he does kung fu for 3 hours twice a week, which costs a pretty penny :eek:) Hopefully that works for us. We should have very little debt left at that point so shouldn't be too difficult

kirtsypoos

So today is payday :j:j

I have made my initial set of payments (the rest of my debt repayments are then paid through the month in the form of normal DDs and PADs which I put a fund aside for).
I try and beat my allowed PAD amount every month by spending less than planned on certain things (anything less than planned in the joint account goes towards the next mortgage OP, so extra PADs only come from my planned spends)

The first set of payments have taken me to UNDER 6K :beer::beer:. This is the least debt I have had as long as I can remember. Even if you add our joint debt onto it, it's no where near the figure I originally had. I'm so pleased

sashybo

Kirsty, congrats on being under 6k. :beer::j

In regards to yoga, Y0utube is actually a great place for yoga videos. One of my favourites is yoga with Adriene - she has loads of free yoga work outs & does a great beginner series. I find her easy to follow & not irritating at all, she's very funny.