Rambling on...

UncannyScot

Just getting some things out of my head... bear with me, this may be a long one

Lessons learned thus far;
You cannot borrow your way out of debt.
If you can afford the payments on a six-month loan then you can afford to save that money for six months and use it for what you need.
Credit is not YOUR money.
It is possible to get through several days without needing to spend anything.
You can get just about anything you need for your home from a charity shop.

The folks on here are awesome
There is a genuine care, concern and mutual support network here and we can all learn from each other.

Being on here helps me to maintain focus. Even though I don't post up everything that is going on in my quest to become debt free it helps me to keep going and keeps me motivated.
I have a journal (I use a one note notebook) and have excel spreadsheets to track my budgets etc.
I have set goals and objectives some long term and some short term and so far things are progressing well. It has taken a while to get this far and it has not been easy. There is an end in sight, I know the route, I know where and when it will all be completed.

I'll continue with this tomorrow as I am heading to bed now, early rise in morning.

Thanks for reading.
G'nite

UncannyScot

Today has been good.

Another NSD Tomorrow may also be a NSD...

I ignored a call from the annoying creditor as I was truly too busy at work to even think of dealing with them today and it felt good to just say, "sod 'em!" I am going to ignore them from now on, as I am so close to putting the BIG B in place that their harassment is basically irrelevant...

My CAB advisor has managed to arrange an appointment / meeting with an IP that they use for this Monday coming (12th) at 6pm Another step forward :j

Oh, I now have £6 in the TARDIS I hope it's not bigger on the inside as I would actually like to fill it up ;D

I am eating and sleeping better now too.

Off to watch some more Twin Peaks and catch up with American Gods too.

Hope everyone else has had a good one today and thank you for reading my ramblings :A

Hiddenidenity

All sounding good
Especially eating and sleeping

UncannyScot

Hey folks...

First the Positives from yesterday;
Another NSD
AND I found a tenner on my way home from work
My local MP was re-elected

Negatives;
The lass I'm in love with is having a hard time dealing with personal and family issues and is pushing me away... again...

I am off today, doctors appointment. I have a few other things I need to do as well.

Looking at Life Insurance and at Home Contents insurance and have a few quotes to look over.

Hope everyone has a great day.

glass_half_full

Hi UncannyScot

Your diary is great. Please stay strong and positive.

UncannyScot

Hi folks

just found out that my mum has a large sum stashed away in trust for us...
Now this could be great but this could also be a problem... if my dear mum stays with us for more than 5 years (gods please!!!!) not a problem... there will be an inheritance
If she leaves us during the next 5 years... it will be a problem... the IP / Trustee would take all of my share, the lot...

How can I protect my inheritance and ensure that I will have something to leave to my kids too?

Sun_Addict

Good that you can see the positives and that they outweigh the negatives. Sorry to hear about your lass pushing you away - just be there for her is all you can do. I hope she gets herself sorted and realises she has a good man there.

UncannyScot

Thank you Sun Addict

She knows I am and always will be there for her... I have stood with her and stood by her when others have turned their backs...
Long story short, she battles depression and anxiety attacks... bi-polar...
When she hits a low, it is really bad, she will say and do really hurtful things to keep or push people away from her...
When she hits a high it is also difficult as she becomes extremely hyper and as she puts it "a super happy PITA"
When she is between a low and a high she is an absolutely lovely, caring and fantastic person.
Other friends cannot understand why I, as they say "put up with her cos of her manic swings".
To me, it is simple, I love her
Her swings are due to illness and this illness is not the real her; I will roll with the tempest with her and keep a hold of her hand...

Hiddenidenity

UncannyScot wrote: »

Thank you Sun Addict

She knows I am and always will be there for her... I have stood with her and stood by her when others have turned their backs...
Long story short, she battles depression and anxiety attacks... bi-polar...
When she hits a low, it is really bad, she will say and do really hurtful things to keep or push people away from her...
When she hits a high it is also difficult as she becomes extremely hyper and as she puts it "a super happy PITA"
When she is between a low and a high she is an absolutely lovely, caring and fantastic person.
Other friends cannot understand why I, as they say "put up with her cos of her manic swings".
To me, it is simple, I love her
Her swings are due to illness and this illness is not the real her; I will roll with the tempest with her and keep a hold of her hand...

This is me, and she will realise how much you are there for her. She's lucky to have someone who understands, I'm sure she knows this

UncannyScot

Today has been a day of leisure...:)
This morning I went to the Gym and became one with the multiverse while beating the crap out of a heavy bag, lifting heavy weights and listening to an absolutely awesome workout playlist of kick-a s s Rock n Metal
I have read... more Jo Nesbo
I have played Fallout 3... for most of the afternoon... as you do... gamer's will understand
I have watched TV... IRON MAN... YAY
However, I have also done my laundry and cleaned out the kitchen...

I have also had a minimal spend day as I set myself a £10 budget for the day and I have *searches pockets for change*...
£3.69 (and a Falkland Islands 10p??? eh?)

I am now kicking back with a few Ales - Joker IPA... lovely
Now to catching up with everyone's adventures
Hope you have all had good days too