My journey to a debt free life

Parkyp

Sorry to hear you’ve not been feeling great. My friend works full time and has fibromyalgia, she has recently went for a pip assessment as she is struggling with the pain and lack of sleep and trying to hold down a full time job.  I will let you know if she qualifies although everyones capability is so different. Might be worth applying.

From what I read on the DMP page a lot of people do self managed and they say it’s not as scary as you think. 

Take care

Sun_Addict

I’m sorry to hear about you being in pain. Good decision to cut your hours if they’re too much for you right now. 

Other things sounding positive with the emergency fund and getting on with the decorating.

And it’s always good to hear from you 🤗

Onebrokelady

Cherryfudge said:

Good to hear from you OBL though I'm sorry about you being in pain and having to reduce your hours. You need to look after yourself though, even if it slows down repayments. You'll get there eventually.

Thanks Cherry, I'm just trying to get by on a day to day basis at the moment, Im still making the same payments while DD is living here but will have to reduce them when she moves out. There is nothing else I can do at the moment though so I've just got to go with it and hope for the best 🤞

Onebrokelady

Deni_debt-free_dreamer said:

Hi OBL
I hope work was ok and you have a relaxing evening.  
I have been in debt and agree that having one debt cleared would give you a psychological boost and impetus to keep going.
I am making a HF meal tonight with my own ingredients
love Deni

Thanks Deni, work was actually ok today. I hope your HF meal was nice, we have made a few now and they have turned out really well 😊x

Onebrokelady

Honeysucklelou2 said:

Your health is important and it’s good that you are able to pick up extra shifts as and when you feel able to do so. Reducing hours for your health sake is a wise decision. Slow and steady will get there with the DPM and the house jobs - something I say to myself a lot as I try to balance debt repayments with essential house maintenance/ upkeep.  Have a restful and peaceful weekend.

Thank you, I have resisted this for so long because of lack of money but I am making myself ill trying to carry on. I'm hoping it will pay off in the long run x

Onebrokelady

Parkyp said:

Sorry to hear you’ve not been feeling great. My friend works full time and has fibromyalgia, she has recently went for a pip assessment as she is struggling with the pain and lack of sleep and trying to hold down a full time job.  I will let you know if she qualifies although everyones capability is so different. Might be worth applying.

From what I read on the DMP page a lot of people do self managed and they say it’s not as scary as you think. 

Take care

I feel for your friend, I worked full time for as long as I could when I was first diagnosed but eventually I ended up slowly reducing my hours. I've looked at pip but I don't need help with any of the activities they mention so I don't think I would qualify. I class myself as functionally sick at the moment so I can carry on but I'm paying a high price with being in a lot of pain for the majority of my time, do let me know though as it would be interesting to see if she gets it, I've always thought I wouldn't simply because I am capable of looking after myself but struggle to maintain a full time job 

Im actually feeling cautiously excited ( if that's even possible ) about self managing my debt, Im very grateful to SC as they literally saved my life,I was in such a mess but now I think I might be able to manage it on my own. I'm leaving it as it is while DD is still here and paying off the same amount then in the meantime I will get all my info together and investigate how to do it properly 

Onebrokelady

Sun_Addict said:

I’m sorry to hear about you being in pain. Good decision to cut your hours if they’re too much for you right now. 

Other things sounding positive with the emergency fund and getting on with the decorating.

And it’s always good to hear from you 🤗

Awww thanks SA. I'm surprised by how quickly my EF is creeping back up to be honest,it will be back to where it was in another couple of months 🎉🎉 I am at home all day tomorrow so thinking of having a go at some painting if I feel up to it 

Onebrokelady

Today was a good but slightly crazy day at work, I did so many blood tests I lost count in the end. I was working with one of my younger colleagues who started off as an apprentice, she is so nice and thoughtful and also really on the ball so everything went smoothly. We also had some really cute, sweet and funny children through our clinics today and that makes such a difference to the day 😊

Things went downhill when I left and had to wait an hour for a bus home,my DD was also waiting for the bus so we stopped off at the chip shop on the way home and bought ourselves chips. I also bought a sausage for B to make up for being so late, honestly leaving work at 5 and not getting home until 7 is getting beyond a joke now 😡

My boss came and told me my new hours will start on April1st ( I hope I'm not going to be an April's fool for doing this 😟) so I will have a couple of long days to do in between now and then but that will add some money to the emergency fund.

I just have Sunday to work this week and then I'm on holiday 🎉🎉 Im doing a late on Sunday so can have a lie in.
Its DD2s birthday tomorrow I bought her some earrings which haven't arrived yet 😟but also a couple of books just in case so she will have something to unwrap, she is going out with friends tomorrow night and we are going to do something together in the week.

Im off to bed shortly because I am shattered and my hands are hurting so typing is probably not a good idea. I'm also hoping to catch up on all the dairies I like to read over the weekend 
Take care everyone and have a lovely weekend xx

foxgloves

Enjoy your weekend, @Onebrokelady. You're doing well with rebuilding your emergency fund - it's so annoying when we are forced to use them, but much better to have one. Hope your new hours will work well for you. Yes, you'll miss the money, but no point making your health worse.
Take care now, 
F x

Willowtree222

If your body is telling you enough the nuts best. Glad your EF fund is getting back up. 

If you do take your debts back over, it would certainly give you control to over pay and pay things off. Researching it like you are will at least give you a balanced view. Either way, your debt is still being paid x