taking responsibilty to get me where I want to be

efes_shareholder

So , the bank account is looking relatively healthy and I am due a return of the villa deposit today so I have made some headway in to the BNPL items on Very and paid an item from there in full

I have also rounded down the capital one card to the next hundred down

I was going to wait until payday but in a moment I felt just do it and thats what I have done , so too late now !!!

I have also decided that I will investigate PPI , the problem I have is that I don't have many details of previous accounts and I have moved around a lot in the last 7 years so I am going to possibly use a company and stomach the cut being taken

It would be dead money otherwise

Any advise on PPI claims ?

pidge04

I used Resolver via the MSE website for my PPI claims.

[Deleted User]

I used Resolver too, for an account that I had hardly any information for, it got sorted really quickly with no fuss

efes_shareholder

Thanks people - I started the process last night so lets see where it goes
I don't recall ever taking any payment protection however its possible it was there somewhere and it certainly will not hurt to find out

I also forgot to mention whilst I was away I had a £25.00 win on the bond investment - this gets added to my fund pot rather then sent to me but the choice to put it there is now the right one as its returned something!

Today , I am not feeling the friday love , I feel bloated and heavy due to IBS probs ( prob increased anxiety due to issues with the mothership) and even got asked by a cheeky work mate yesterday if I was pregnant ( can't think of anything worse ! ) I have found charcoal supplements are really helpful but I do feel like a stodgy podge right now
My tolerance feels short , my steps feel heavy and weighted and my friday face seems to resemble a frown which I am really trying to turn upside down , I won't be able to resort to a friday wine when I get home as I have to collect middle sprog when there shift finishes ( fri collections very unpopular with both me and her dad for this reason !!)
I've spilt tea on my cream jumper , and am bored of work today so I am surfing and letting off the odd silent fart here and there ( maybe thats a bit too honest of me ! )

In an attempt to fill the diary up with "chosen but affordable" options I have for the first time in 5 years signed up for the company Christmas dinner , I will book the biggest sprog up for a collection if I possibly can , I have a feeling she owes me quite a few over the years

efes_shareholder

So a relatively cheap weekend has passed - not much activity apart from transporting mum to hospital for an appointment and doing the weekly shop

I didn't feel too well , i woke late on saturday and ended up back in bed once the errands had been run , but fortunately an early night on saturday seemed

Yesterday i visited a friend who recently lost her dad - I took her some flowers which I managed to get yellow stickered but they were absolutely beautiful and she was very grateful.

My B/Card direct debit has been taken so no debits left for this month - I have ten days until pay day and although I have not progressed as much as I would have liked with the non smoking I have managed to stay well within budget and may actually be able to replenish some savings
I'm very happy with this if so as I have had a holiday , I have only made the min payments on the barclaycard however some months this is how it will be and as long as everything is going down - I AM HAPPY.

Also managed this morning to get tickets for my football teams forthcoming Champions league game , my youngest nephew will be so excited to be going , I cannot wait to see his face and as its possibly the biggest team in the world , its a once in a lifetime hence I sat in a queue for an hour and half to get tickets , i think he will literally wet himself when he finds out he is going

My biggest concern is my mother right now - she will not admit to the extent of her problems however I know over half of her pension is going out on min payments on credit and store cards
Things got rather heated on saturday as she asked to take a detour to a shop that weighs in gold which off course isn't one of our usual places to visit , she was most upset to find it was only opened limited hours on a weekend and asked if we could find another shop apparantly to sell off some old rings she had found in the spare room - as much as i dont mind helping her out etc , I asked her how urgent it was and she played it down but I could tell their was some anxiousness surrounding the whole thing and it had been in her plan to lay her hands on some cash with the find !
I must admit , I nearly snapped - I said to her that I wasn't sure what was going on with her financially recently but I was pretty sure it was much more then was meeting the eye and not just a "short" week
she has basically maxed out the cards and now there are few options for her to get another one due to her owing more then her annual income and now the realisation is hitting ! If she doesn't come clean I can't help her and from my own journey I know there is help out there !

I was even more annoyed when the first thing she did once she had done her trade off was go in to the shop and buy a packet of cigerettes - honestly I could have been witnessing a crack addict , it seemed that desperate

I do really truly give up , I want to sit her down and give her a big old talking too , I always knew she liked a cigerette but its as if she is finding ways to enable herself to carry on smoking and tracking her spending to see how much she can afford to smoke rather then to make some impact on this massive defecit she has managed to accumulate

I guess thats addiction !!

Oh well I know she bought another 20 yesterday even though she said to me that she would be smoking 5 a day this week and vaping instead so I am not offering to go and buy more and i'll bring up the massive weekend burning when she asks me too

It makes my own problems seem relatively small in comparision - Its just frustrating knowing that her first priority is trying to smoke as much as possible
I feel there may be an angry explosion from me anytime soon

Apparantly at the weekend though it was me who was stressed !!!!!

efes_shareholder

So today started as an intended no spend day until I got in to my car and realisation hit that I had forgotten to put any deodrant on !!

This wouldn't have been pleasant for anyone and I didn't have time to go home so a quick nip in to the supermarket and I will smell beautiful all day

I also picked up some dry shampoo which I used the last of this morning.

It will be a struggle today as I am on collection duty for my middle sprog which means I can't get an early night - it was a struggle last night , the dog was yapping as I tried to get a little nap in before I needed to go and then started again early this morning
Mums taxi will only be in operation until her wages start to role in but it really does mess with your night routine - her dad works shifts so is picking and choosing when he collects her to suit his working hours , he is reluctant to be on duty when he has a early shift but the reality is that I am up at the same time as him every day anyway so its a bit unbalanced
I will quietly go about the business though , I've heard rumblings from the kids again that apparantly dads GF thinks I don't contribute and that he pays for everything - this really gets my goat , firstly and foremost WHAT HAS IT GOT TO DO WITH HER and secondly she couldn't be further from the truth !!

I have £14.82 coming back via quidco , I can't quite decide where to place it .................its either one of the c/cards or drilling the very balance down , I am thinking the latter since the small balance is attracting 49.9% interest

Well thats me , a friend is treating me to the cinema tonight and I can't decide what to see as they have handed the choice over to me , we are doing the deluxe lay backs on a meerkat tuesday - its between the equalizer which was their suggestion , King of theives ( which is about the hatton garden robbery ) and Yardie ( the idris gang film)
My preference is Yardie but it only has one showing at 22.00 and I dont think I will be able to stay awake !!!!!!

efes_shareholder

I enjoyed my trip to the cinema last night and it was lovely to be on the receiving end of a treat

Today my anxiety levels have shot up - I am not sure why , I generally don't do winter well but today I just feel overwhelmed with life and that feeling that I do not want to be an adult
My debts frustrate me , that I am not clearing them quicker but then I guess they accumulated over a period of time and they are in a much better place then they were but I want them gone - I don't want to have to think about things , to have to consider .............In fact I want the world to stop for a moment so I can get off or to curl in to a ball and come out when this feelings passes.
I don't want to have to deal with the dog yapping or my mum pretending that she is adjusting her smoking to suit her budget , I don't want to think about anything

I'm reflecting on so many choices in my personal life and with my purse strings and feeling like I really haven't acheived anything - not even personal happiness ..............I can't remember a time I felt really happy and content with life and that makes me sad as we only get one oppurtunity

I hate this feeling , where nothing in particular is triggering it but you just feel completely overwhelmed with adult hood and anxious about everything

efes_shareholder

I am sitting at work very distractable , very tired and wondering whether I could see a GP about my anxiety etc
I don't want too as other then medicate which I would rather not do I can't see what they can offer me that I can't offer myself

Storm Ali is doing her work outside and im wistfully wanting to be blown away with the leaves

I've just applied for a couple of game shows ........now that may be a laugh !

UncannyScot

Hiya :hello:

Have finally manage to catch up with your diary...

You're doing grand and hope you are able to turn your mam around and into a better position financially.

Hope your middle bairn does well and the other two as well.

What gameshows have you applied for?

I know someone who was on a certain "bare all" one :eek: :rotfl:

This month I am right down to wire with my budget... hoping to reach pay day with some cash to spare

efes_shareholder

UncannyScot wrote: »

Hiya :hello:

Have finally manage to catch up with your diary...

You're doing grand and hope you are able to turn your mam around and into a better position financially.

Hope your middle bairn does well and the other two as well.

What gameshows have you applied for?

I know someone who was on a certain "bare all" one :eek: :rotfl:

This month I am right down to wire with my budget... hoping to reach pay day with some cash to spare

Thanks Uncanny
my middle sprog is detesting her job - Its mundane and requires no brain power and was always designed just as a stop gap , she has a masters but unfortunately is finding out graduate jobs are limited and many degrees go unused
I have asked to focus on reaching each pay days and to continue to be vigilant in the search for a new role ,l I guess not enjoying what she is doing is better then settling in to it and never progressing.

The eldest is just back from USA , Will catch up with her this evening - Her social media posts look like she had a fantastic time

The youngest is back in his uni town and has got himself a little part time job which is great for him

I am not brave enough to go on the show you mentioned ! I am comfortable in my own skin and fairly confident about my body but I am not baring it to the public for the sake of a dinner date !

I have applied for a couple on ITV , you never ever know what could happen

My main concern right now is my mum , I wish she would confess to the situation so I could offer some constructive solutions , It doesn't help that she is completely dependant on nicotine and has got to the point where she will pretend they are lasting much longer then they actually are - I am no longer pandering to this though and will confront her consumption with her.
She hasn't liked that but until she gets that habit under control , I fear that the financial situation will escalate

I am with you balancing the tight rope until pay day .........some days it feels a challenge another an absolute drain but I'm 8 days and wishing the days away
I really hope you get to payday with some excess