Flo's Debt Free Diary

Florence_J

Well I've bought two things today that I hope will pay off in the long run.

One was I bought a 3 month tastecard for 1 pound through free postcode lottery, and the other was i bought a groupon online basic accountancy course as I hope it will help me get an entry level finance job which is what i want.

Here's hoping they will lead to better futures.

Florence_J

I'll explain why I'm so happy soon but first onto the beginning of the day.

Today was my last day in my current role. Tomorrow I begin self employed work with my friend's company whilst I wait for a new contract at the my employer to come up.

I feel free. Free from customer service. Free from a draining position. I will miss my team, but I feel like I can relax again. Time to look for something more fulfilling.

I got a lovely leaving card and two wonderful Gretchen Rubin books (i love her work). I feel up to the challenges that June will bring (and I'm not just referring to the 'Make x a day thread').

I am happy not just because I am on to pastures new, not just because Morrisons gave me a free gift with my online shop, oh no.

I am happy because I have been offered a 0% balance transfer from one of my credit cards till March 2017!

(I know I mustn't get too excited as I do have to apply for it and could be rejected, but still)

It's like my dream has come true.

I can't transfer the full amount of Mr Bad Card, but I can transfer the majority and look to save at least 25 quid a month, and in reality so much more.

If I work really, really hard I can pay off the vast majority.

And maybe I can apply for another 0% card.

Mustn't do too much at once because it will harm my credit rating.

I'M SO EXCITED!

Florence_J

First day at my temporary job, earned 47 pounds for 6.5 hours work. For some reason I am knackered now.

Been thinking a bit about the 0% balance transfer. With the wedding this October I was looking to potentially cut back my debt payments to close to the minimum, so i wouldn't be able to prioritise paying off the debt until after christmas. Could still be done I suppose. I know I'm not going to use them so the debt won't grow. will have to double check what the balance would be after the 0% transfer period is up (march 17)

May work that out now. Golly, I feel a spreadsheet coming along!

reality_check

Great news about the card, hope you get it! Makes such a difference, paying interest really p*sses me off!

Is the wedding local or do you need to pay for accommodation? Hopefully you can get a cheap outfit or better still wear something you already have and be creative with a gift as oppose to giving money? I am good with advice but I am not creative and couldn't pull it off without looking like a 2 year old made it so I don't practice what I preach! xx

Florence_J

I have spent most of today in tears.

I feel so scared about the future and my mental health has taken a turn for the worse. I don't know how I'm going to go to the wedding. I am terrified of people. I wanted to go to Asda to womble some receipts and I couldn't leave the house. I spend all my money on unnecessary bus travel because I want to limit being around other people as much as possible. I'm scared, scared, scared. I left the only full time decent wage job I have ever had because I was terrified about talking to people on the telephone. I now don't know how I'm going to pay my bills and I'm too depressed to apply for jobs as I see no hope. Happiness seems not to last very long with me. I'm going to drop out of the 10k race I had planned.

I called sane line today. I don't think my new medication is working.

I feel utter despair.

Grandad's_Offspring

Flo, hang in there love!
Have you ever tried mindfulness? It helps me no end when I feel overwhelmed.
It sounds like a visit to the GP is in order.
Be kind to yourself

Florence_J

Grandad's_Offspring wrote: »

Flo, hang in there love!
Have you ever tried mindfulness? It helps me no end when I feel overwhelmed.
It sounds like a visit to the GP is in order.
Be kind to yourself

Thank you.

I feel brighter today, thank goodness. Have returned from the doctors. I need to give my new medication 6 weeks to really get to grips with whether it is working or not. So much had happened last week. I left a team i loved but a job i hated, i started a new job, there were other factors at play, it could have all been down to that.

I know no one here would ever think this, but there are people out there who feel that mental health isn't a serious issue. This is why i find it so hard to seek help as i never know if i'll come across one of these people.

If anyone ever thought that me crying all weekend was put on in anyway, or 'not real' then they are seriously mistaken, I do not choose to be this way. I do not choose to be crippled by anxiety that sees me not being able to leave the house and live my life. I do not choose to make my boyfriend sad as well.

Anyway, on to brighter things.

I am reading Happier at Home by Gretchen Rubin, i love love love her books. I will check out the habits diary by her that i was also given as i feel that may help.

I'm going to go through my finances today before work, it always calms me down.

reality_check

Aww Florence I'm really sorry how you're feeling darling, I can't begin to imagine how it feels with what you described Hopefully the change in medication is what is needed and they will kick in and help with how low you're feeling.

Anyone who thinks it is an act are people not worth bothering about. Those who mind don't matter and those who matter don't mind.

The wedding is a good few months away so a lot can happen before then and hopefully you will feel strong enough to go.

Spend some time doing things you enjoy and maybe rethink the 10k - exercise can do a lot of positive things for your mood and well being. When is the race?

Sending positive thoughts your way xx

Florence_J

reality_check wrote: »

Aww Florence I'm really sorry how you're feeling darling, I can't begin to imagine how it feels with what you described Hopefully the change in medication is what is needed and they will kick in and help with how low you're feeling.

Anyone who thinks it is an act are people not worth bothering about. Those who mind don't matter and those who matter don't mind.

The wedding is a good few months away so a lot can happen before then and hopefully you will feel strong enough to go.

Spend some time doing things you enjoy and maybe rethink the 10k - exercise can do a lot of positive things for your mood and well being. When is the race?

Sending positive thoughts your way xx

Thank you, It is wonderful to wake up to kind words.

Florence_J

I'm going on a wombling adventure today. I have the day off and I am going to go to Asda to womble some receipts and maybe pick up a few goodies I know will be cheap there.