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Feel so alone
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Hi Pops
Just popped in to see how you are doing and to make sure you are still keeping positive.
The weekend flies by doesnt it and I cant believe its nearly Monday already
Anyway I hope you are well
xSP 9#531=£620/SP 10 # 531=?PDBX 2016 #2 = £16,766.67/£12,000
PDBX 2017 #2 = £1,200/£12,000
''If you want the rainbow, you gotta put up with the rain''0 -
Hi Popstess
Getting out of debt is a bit like climbing a mountain I think (not that I have ever climbed one!) You are moving up then realise you have to go back a bit (thats an unexpected expense) in order to go forward. As long as the general trend is upwards you WILL get there.Find out who you are and do that on purpose (thanks to Owain Wyn Jones quoting Dolly Parton)0 -
Hi everyone I'm still here. Really really struggling and mentally very low right now. I will try and reply to people's individual messages shortly.
This will sound ridiculous but it's a most like I was happier when I was not trying to get out of debt (denial and ignorance I guess) nothing's changed apart from I've had my LBM and the difference in how I feel is so dramatic but I know it's better to be like this than carrying on how I was.0 -
Keep plodding popstress. You'll get there in the end.
I think it's particularly hard at this time of year but you need to make sure you buy everything with cash and not put it on cards. If you don't have the money you don't buy it. It's the only way to ensure you don't get into more debt.
I can understand where you're coming from but as you say yourself denial and ignorance mean you "feel" as though you're happier but you know you're not.
Keep going - it'll be a long road with lots of twists and turns but there will be an end to it.
Denise0 -
Oh, don't worry, it is that time of year. All the adverts and people seem to be spending like mad, going out and partying and not thinking about it, and there we are, at home with our hot chocolate and our spreadsheets, battling on with the struggle.
The thing is, we won't be having the major domestics when the bills come in January and everything has to be cut back to the bone. Being sensible is not what this time of year is about, is it. It is all excess and fa la la la la.
Totally reasonable to feel a bit down about it, especially if you were the sort of person to splurge. The thing is Pops, you will probably be in a good position to have a bit of a splurge this time next year, cos you will have all the good tips and tricks you are learning now, and will have budgeted for it all.
Hope you feeling a bit more up and a bit less down today.4/10/22One Year Mortgage Free Yay!
NSTurtle # 55 🐢 🐢 🐢 🐢 🐢 🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢🐢🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 🐢 No Turtle gets left behind.[/b]
******PROUD MEMBER OF THE TOFU EATING COALITION OF CHAOS !!!******0 -
Great post f0xh0les.
Denise0 -
Don't worry. Everyone feels like that when they start out. Once you start getting your budgets balanced and debts start going down, you'll really feel amazing.
You can do it! :jOctober 2015 = -13242.16 DFD 28/10/2016 £0 :T0 -
Hi everyone I'm still here. Really really struggling and mentally very low right now. I will try and reply to people's individual messages shortly.
This will sound ridiculous but it's a most like I was happier when I was not trying to get out of debt (denial and ignorance I guess) nothing's changed apart from I've had my LBM and the difference in how I feel is so dramatic but I know it's better to be like this than carrying on how I was.
Pops I have had lots of down days but with the help and advice on here I manage to pick my sorry self up, dust myself down and carry on. No doubt I will have a lot more down days but will stick around here so you lovely lot can spur me on.
When I compare this to some of the hard times ive conquered in my life, this debt busting is a doddle (well not quite a doddle)
Look how far you have come already and where you MIGHT be if you never had your LBM
Keep posting even if its just for a rant or a moan.
Remember our deal we are going to help each other over the finish line :beer:
xSP 9#531=£620/SP 10 # 531=?PDBX 2016 #2 = £16,766.67/£12,000
PDBX 2017 #2 = £1,200/£12,000
''If you want the rainbow, you gotta put up with the rain''0 -
I think Foxholes says it perfectly.
I know what a rollercoaster it is emotionally, I have had a low moment myself this week, so I totally understand you feeling this way. You are doing brilliantly, don't forget that, you are facing up to things and chipping away at them, you WILL get there. Just think, once we get in to 2016 it will be only 3 calendar years until your projected debt free date, not 4 as it is now. Little things like that spur me on anyway.
I think the time of year doesn't help, everyone is spending their money like water, adverts everywhere making you think you need all this pointless Christmas tat. BUT. In the New Year when everyone else has those depressing credit card statements landing on the mat killing their festive feelgood moments, well, that won't be you, and it will feel amazing.
Keep your head up, keep your heart strong, you can do this, I just know it xxCo-op loan: £2672.38. :eek: £2886.64 / £5559.02
HF's B'card: £2468.00 0% until November '17 _pale_ £255 / £2524.00
HF's FD Loan: £5467.78. :eek: £918.72 / £6386.52
Total: £5376.62 / £15814.78 33.99%
http://forums.moneysavingexpert.com/showthread.php?t=5344322
Emergency fund - £53.24 / £500 No. 108 in PYDOXMAS160 -
Thank you so much for the replies. I'm just so so unhappy. I can't sleep I feel sick all the time. I'm finding it hard to concentrate at work. Just really sad and low0
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