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When you owe more than your annual net salary

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  • lindez
    lindez Posts: 643 Forumite
    Sixth Anniversary 500 Posts
    Hi Lexilou
    don't beat yourself up with getting the numbers wrong, hopefully SC will help you sort it out. Good news on working from home two days a week that will help with your emotional well being less stress from commuting, and less finance cost in that you will not have to spend as much on fuel.
    Hope you are feeling better today
    x
    MFWB#2
    MFTT5 #28
    Save 12k 2020 #111
  • LexieLou
    LexieLou Posts: 715 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud! Name Dropper
    Hi All

    Just celebrated my birthday, had a cry this morning, feeling sorry for myself and hormones aren't helping. Woke up yesterday morning really sad that I had no-one to wish me happy birthday. Ridiculous really. I've had loads of years of waking up alone on my birthday, yet this year was hard. Miss my ex...but he's not coming back.

    Anyway, on a positive, I'm in the mood to ebay...like lots of ebay, so think I will spend Saturday doing that as I'm fed up looking at the mountain of stuff I have to put on ebay.

    Also need to get my ETSY shop up and running, keep putting that off....pure lack of motivation on my part.

    My folks and brother gave me money for my birthday, so that will go into an EF fund as soon as I get myself close to an ATM or Post Office.

    Now that I've whinged, I'm away to motivate myself to do some work

    Happy Thursday all

    LL xx
    £38,000 and change to £0
  • DMP_Tiger
    DMP_Tiger Posts: 182 Forumite
    Second Anniversary
    Happy Birthday to you Lexie Lou!!!

    :beer::bdaycake:
    August 2018: Secured Debt £70,003 Unsecured Debt (DMP) £34,657 Total £104,660 DFD: March 2031
    January 2019: Secured Debt £68,269 Unsecured Debt (DMP) £34,457 Total £102,726 DFD: March 2031
  • beanielou
    beanielou Posts: 95,538 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy birthday Lexie Lou :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.

    Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.

    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
    One debt remaining. Home improvement loan.
  • LexieLou
    LexieLou Posts: 715 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud! Name Dropper
    Thank you both for the Birthday wishes

    I've been busy beavering away, started putting money into the correct accounts and started to build up money in my DMP pot. I get paid weekly, so need / want to have a months payment built up in advance prior to starting.

    Catch up soon

    LL xxx
    £38,000 and change to £0
  • pidge04
    pidge04 Posts: 792 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    Good for you Lexie Lou! These are very important actions.

    It looks like I missed your birthday - belated best wishes to you.

    Have you started to work from home 2 days a week now?
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • LexieLou
    LexieLou Posts: 715 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud! Name Dropper
    pidge04 wrote: »
    Good for you Lexie Lou! These are very important actions.

    It looks like I missed your birthday - belated best wishes to you.

    Have you started to work from home 2 days a week now?

    Thank you my little Pidge

    Working from home starts this week, but I've had to spend money this weekend (agh), so any savings from that have been used up already....but even getting some of my own free time back is a huge bonus

    I've nothing to report, I'm tired, mentally and physically and I'm crying lots, so I'm wondering if my depression is coming back...have to watch this carefully.

    I'd love to spend an unspecified amount of time in an Ashram in India somewhere, just to get away, decompress and get my head sorted. If only I had the money

    Have fab Saturday lovely MSE's.

    Me xx
    £38,000 and change to £0
  • Rebecca01
    Rebecca01 Posts: 732 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Good luck lexie.

    Keep an eye on how you feel and don!!!8217;t hesitate to go to the doctors.

    Hope you feel better soon.
  • pidge04
    pidge04 Posts: 792 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    Take great care of your fabulous self Lexie Lou. Can totally understand the appeal of an ashram in India!
    Store card £140 £117 - Store card £150 - Overdraft £200 - PayPal £364 - Loan 1 £5052 - Loan 2 £1733 - Credit card £2890 - Car hire purchase £3200 - Savings £0.
  • LexieLou
    LexieLou Posts: 715 Forumite
    Part of the Furniture 500 Posts Debt-free and Proud! Name Dropper
    pidge04 wrote: »
    Take great care of your fabulous self Lexie Lou. Can totally understand the appeal of an ashram in India!

    Mwah Pidge xxx
    £38,000 and change to £0
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