Considering DMP - SOA advice please

AliceBanned

Second item on Ebay now has bids. I hope to make £80 between the two items..

catriona79

AliceBanned wrote: »

Hi firesidemaid

Thanks for posting. I will re-do my SOA as I have made some changes already. Currently my food budget is £60pm.:eek:. Quite enjoying it actually and eating quite well. My cooking is pretty good, though i say so myself. I don't really enjoy much restaurant food any more particularly as it is a waste of money for me at the mo.

I've paid off La Redoute and finished the credit union payments.

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Woo hoo!!!!!! Amazing stuff Alice. That's great.

So pleased to read this positive message

Have you celebrated by updating your sig?

AliceBanned

Thanks Catriona and yes! Still quite a high debt level so it could feel better! But it is good to see some progress!

catriona79

Ah, net worth went below -£11k! Cause for celebration!!!

AliceBanned

:j


Also means below £10k not too far away!!

Verbatim

You're doing so well and are really speeding down the debt hill.

AliceBanned

I hope so Verbatim. I still have a couple of things to buy for my flat but am trying to hold off for a while.


I just want to feel that I'm in a better place, and stay there!

AliceBanned

I suppose there will always be setbacks but at lot of this is my own mood swings. It is so easy for something to trigger me feeling stressed and then get low.


One good thing happened this week so no idea why I'm feeling so defeated. I struggled up to pay day because I was paid on 26th this month, the very latest possible day.


I mistakenly overpaid my Coop credit card a day early, the day the statement came out and have only just been notified of non payment. I paid £100 and the min is £50 but it didn't count as it was too early. I know this can happen but somehow I lost the plot as I have so many different cards to juggle. Coop agreed to remove the charge but said it will report to the credit ref agency. The credit ref agency is the main concern. I still seem to have all these cards, all close to their limits as well and it is a hard slog. I still had to spend on three of them this month to get through the month.


The good thing was a recruitment consultant phoned me and came to my mainline station at 8.30 this morning to meet me to discuss a job. She told me she was headhunting for a similar organisation - she asked whether I had been headhunted before. . Definitely not. It was exciting for a while but after she had asked my salary (£31.5k) she said the role was way too senior (I knew that and had told her on the phone I suspected so but still good to make some contact). The job is offering £70k.:eek:
I know this should cheer me up, and she did mention another one paying £50k which I should definitely get an interview for (I am far from sure I agree) and that would help my financial problems so much and the job looks interesting too, but I guess I am so worn down by it all, the stress, the jungle of London, the effort, the competition, my low self esteem. She also said that I am definitely being undervalued in my job and could earn more. The organisation she mentioned is wealthy and pays well, she said but hard to get into.


I'm a bit overwhelmed today as I've done a lot this week and feel so full of willingness and desire for something better but not much energy or will or self belief.


No one else can give me that belief but it did cheer me up for a few days that someone was interested.:)


She also (tactfully and not at all unwelcome) suggested I dress ultra smart if I get an interview and gave me feedback on what I was wearing - the best I could put together at short notice but probably a bit sloppy for a 70k job.


I don't buy clothes, I'm too stressed and haven't bought new shoes for about two years. Will need to fork out if I am going to get my act together and up my game - which I want to do but mainly for the money and - yes just as much - being valued appropriately by my employer - which current one far from does.

AliceBanned

Suppose I am only just realising the bad effects all this has on mental health - the fogginess of not clearly seeing debts going down but trying too hard to pay them off at the same time. Having too many that it feels disorganised and overwhelming (despite YNAB - somehow that is complicated too).


Just exhausting and depressing.


Have no social life really and I'm probably not good company anyway. I just want to be on my own all the time but wish something would change.

Verbatim

It sounds great to be headhunted! Allow yourself to believe in yourself. Demonstrate self confidence. Practise self belief and you'll convince yourself and others.
And if you get the £50k job this time it could well be the £70k one the next job after that.
Boo to the co-op card. At least it's another whack off it.
V