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My journey to a debt free life

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  • Onebrokelady
    Onebrokelady Posts: 7,814 Forumite
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    Sending hugs x
    Thankyou Cherry x
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,814 Forumite
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    I agree about unloading if you want too. Lots of people are in the same position.

    I’m sorry you’ve not been too good. It really just feels like you get on an even keel and then something like this happens
    x
    It's like swimming in treacle 😟
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,814 Forumite
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    Sorry to hear that you’re having a tough time. The past couple of years have gone from bad to worse and we’ve all had enough. Feel free to vent, there is always someone who can come up with a suggestion and if not we’re here to support each other xx
    I didn't think things could get worse after Covid but here we are 😟
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,814 Forumite
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    Parkyp said:
    Don’t worry about having a rant, most of us feel like it these days.  

    I just feel that most of these price increases could be stopped if the government put a cap on the energy increases.  Them giving us extra money for our bills is great for us but they’re just lining the pockets of these energy companies. I would understand if the companies profits were down but they are not they’re soaring. So why is every other company suffering due to this but they are not. 

    Have you been off your work ? 

    I know clearing your debt is important but right now we have to prioritise our needs and being able to survive is more important.

    Take care of yourself x
    Sadly the government don't care because they aren't affected by it. They want us to think they are helping by giving us discounts but like you say  all they are doing is lining the companies pockets 😡

    I had a few days off work but I'm back now. I really can't take time off without getting into trouble. My boss is referring me to occupational health again but they can't really do anymore than they have unless they pronounce me unfit for my job 🤷‍♀️
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,814 Forumite
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    sending hugs OBL xx
    Thankyou x
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,814 Forumite
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    milann said:
    Sorry things have been tough OBL. It certainly is a s h!t time at the moment. Doom and gloom on every newscast. The reality of it, along with the flare up of pain must be hard for you. If you feel up to it please post - even if it’s eternal ranting. There are many virtual friends that can listen to you, and it might help to rant. Take care my virtual friend 👍
    Thankyou Milann, I have stopped watching the news now because I get too angry with it all. 
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Onebrokelady
    Onebrokelady Posts: 7,814 Forumite
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    It's not been a good day today so I'm off to bed with some painkillers. I actually did some food shopping today and cooked a cottage pie for tea,I've been living on sandwich's for the last few weeks because I couldn't motivate myself to cook anything. I'm working 9-5 tomorrow and dreading it if today's pain levels are anything to go by. I'm hoping for a stress free shift but work is not very stress free at  the moment. We had new staff start on our team a couple of weeks ago and one of them left after only two shifts because she couldn't handle some of the patients we have  😟

    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,510 Owed = £11,120
  • Cherryfudge
    Cherryfudge Posts: 13,355 Forumite
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    Parkyp said:

    I know clearing your debt is important but right now we have to prioritise our needs and being able to survive is more important.

    Take care of yourself x
    That is so true. All you've paid off already strengthens your position for the future, and the priority now is to do what you can to care for yourself. Think of debt repayment as climbing a mountain: it's not just uphill all the way. You've got so far then you have to go down towards the valley for a while in order to get to the next accessible bit of the climb.
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

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  • enthusiasticsaver
    enthusiasticsaver Posts: 16,070 Ambassador
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    I think you have to prioritise your health and essential bills over repaying debt and if it never gets paid off it is not the end of the world.  Remember the problems we have now with unaffordable bills for essential services like energy and high food and travel costs are not your fault.  You will not be the only one in this position which doesn't help I know but eventually I surely hope something will be done as we are going to be in crisis this winter with many families struggling to pay just for essentials.  
    I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

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  • Seasidegal58
    Seasidegal58 Posts: 6,027 Forumite
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    Oh OBL - I'm so sorry to read how down you've been and I do hope you are feeling much better physically as well. 
    I agree with @enthusiasticsaver that your essential bills come well before any debt and you will not be the only person in the U.K. where these will be taking priority once winter hits. 
    As others have written, vent your feelings on here as much as you want to.....
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
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    RETIRED: MAY 2021!!!!😀🎆
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