£16,000 debt, turning regret into positive action.

LadyP01

Nearly at pay day. I might just get through.

Checked my credit score and it's up to 531 above my local and the national average so I'm happy with that.

I am shattered Iv had so much going on I just need lots of sleep and relaxation.

I also need to book loads of repairs for next month and complete Christmas shopping next month.
Maybe I can get some of those jobs done this weekend.

Cherryfudge

Perhaps make yourself a list, if you haven't already, then prioritise so you know the most important things are done and any left undone are not the ones that will cause serious problems.

Make sure you have some 'you' time on that list every day! If you're like me, you get to a point where you can't wind down eventually, which just makes everything worse.

Keep chipping away at things and you'll get there! Well done on the credit score: that shows you're progressing.

LadyP01

You time has been booked in! I have some time off for me and to do things I want to do and get myself sorted so thanks cherry fudge I will be doing just that.

Pay day has hit and I’m ready to do November finances after I have sorted out lots this week. My paying off has been going down so time to get aggressive with everything.

Ready to roll with everything now

Chelleby

I have subscribed to this site in the hope I can get some help, guidance and support . I have got myself into debt AGAIN.... after only my last debt of £10.000 being sorted just 18 months ago. HOW & WHY?????. I know why because of my depression which goes on and on, . How because although I was in debt with credit cards and store cards, because they were paid off for me the accounts were left open and new cards were sent out to me. In my head I knew this was wrong but thought just one little item of clothing or a pair of boots or shoes won't matter. I'll pay it back on payday. So to cut a long story short it spiralled out of control. I hid everything from my partner who had cleared my debt 18 months ago, (I pay back £400 a month). I was ashamed and scared so just racked up more debt , I am depressed and look to buying treats to cheer me up. But it doesn't work , believe me!!!
He has since found out. I am broken and so he is. I am now having counselling fior my problems that go deeper , my depression stems from childhood. I am on anti depressants and my partner is standing by me and once again sorting my finances.

Just want the pain to go away now

LadyP01

Hey chelleby,

This site is amazing to keep your spirits up and yourself focused, I looked and you should start a thread so we can all pop by and support you. It’s scary and you feel so alone and silly for getting yourself into such debt but the truth is, just because people don’t talk about debt it doesn’t mean there not in it. I like to think that most people I know/speak to are probably in the same situation as me we just don’t all talk about it which is why this is such a great safe haven to talk about it all.
I love that your partner is supporting you as that’s exactly what they should do to help give you strength on the days when you feel weak. It sounds like you have lots going on so just take baby steps and it will all work out and like I say make a thread as I’d love to be able to pop by and support your journey

Cherryfudge

Hi Chelleby,
Just wanted to say welcome and LadyPO1 is right, if you have a thread of your own, people will come along who have been there themselves and found a way out. This is such a supportive board, with loads of helpful people and always a listening ear if that's what you need.

If you are stuck for how to start a new thread, come back here and someone will talk you through it (I'd do it now but I'd have to look it up first and lose this reply. )

Yes, new stuff gives a momentary lift but it isn't the solution... Not to say you should never have new stuff, just that it doesn't really make you feel better any more than eating extra or any of the other 'false friends' that mess our lives up.

LadyPO1 is right about baby steps too. Even if it's just cancelling one store card at a time, making one more payment to your partner (who sounds like a good person btw ), going out for a walk when you feel like staying in... any little positive steps will help you become stronger and freer.

Loads of good wishes to you: I'll keep a look out for that new thread and cheer you on. x

LadyP01

Iv done my finances today and paid another £200 off it needs to be more but I need to get all my repairs done first.

I have a smashed I phone and I’m wondering wether to repair it and sell it on to make some money.

Christmas prep is happening and I’m feeling chilled and organised

LadyP01

Great news today. The repairs I was expecting are going to cost just under £200. I had budgeted £600 for them so I’m delighted I can add some more to debt. I will use some of the money to repair my phone and add everything else to debt.

I’m waiting on expenses to come back to me... just under £200. I’m hoping they come back this month. Note to self for 2018 budget... open an account for expenses and put a little away each month and use it like a buisness account as that can muck my debt repayment up when I have big months.

I’m feeling relaxed... motivated... and back on things. It’s been great to see I have a life outside of work and who I am outside of work and that’s a nicer chilled person as I’m not tired. My work consumes so much of my life I really need to nail the work life balance although I’m not sure that will ever happen until I have children as I’m addicted to working.

Christmas list is on the way as above fingers crossed by the weekend it will
All be boxed off.

LadyP01

Quick update:

I have completed another 3 people for Christmas and today hopefully I will have another 3 complete.

Iv paid off another £350 to debt slowly getting there and I’m really happy with this months pay offs.
A few more bargains and I can pay some more off.

Cherryfudge

Progress! Well done for another chunk off the debt: keep your eyes open for those bargains!