What have I done ......

Dimps_123

Ah thanks all. Yes enthusiasticsaver I'm definitely going to do a SOA when I can pluck up the courage!

And saying yes to everything, Working Mum, is another one of my goals. I've got to get out of my comfort zone, too often will I just stick with going home and doing nothing. Which really doesn't help with motivation, which of course in turn will help me with tackling my debt.

I'm finding a dull job is killing my motivation at the moment, so looking to change to something busier just to jump start my mind. Then if my courses help me with additional part time work in something I enjoy - bonus!

xx

Onefortheroad

Hello Dimps - well done you!
I was much the same as you, but after spending so long just fretting about how to pay for everything I chose to do a diary to keep myself on track with, well, sorting my whole life out basically. Like you, I'm office based - my job isn't dull as such, but it does take a great deal of effort to get me going in the morning (Monday to Friday that is). I have debts around £10k, a 16yr old daughter, a few bunnies and a kind of ex-OH (it's complicated - isn't it always!!). I was with Stepchange for a few months but due to a financial emergency where I needed more money than I had - I decided to write to my creditors and tell them I was going self managed. So far had one response back agreeing to reduced payment for six months. I'm sure they won't all like it but so what, it's all I can offer at the moment. I look forward to reading more of your diary.

MeandO

Dimps_123 wrote: »

Hi MeandO

I sway between being completely motivated and ready to beat everything to being completely at a loss of how and when I can do something about it all. Ridiculous really considering I've done the whole single mum stage running around like a mad thing/ holding down a good job/ did my degree with the OU too - now I've actually got the time to do something for myself I'm overwhelmed by it all.

Yes my courses are online ones - only downside to that is I can do it tomorrow and as always tomorrow never comes! When did I get so lazy?!?!?!?!?

Looking forward to chatting again with you over the coming months xx

I think you may be writing about me! :rotfl:

[Deleted User]

Welcome, and good luck on your journey!

UncannyScot

Hello and welcome from one of the few blokes on here

We are a supportive bunch on here and do a lot to help each other along the way, we're all on the same journey after all.

Anything you need info or advice on just post up and someone will pitch in with help.
Keep posting, you will get there and we will help

Dimps_123

Well I have had another day to think about what I have done...... and same conclusion! I need to sort myself out. SOA is on my list of things to do this weekend along with quality study time. I applied for two jobs yesterday - just to get out of my current one to avoid the dull, demotivating 8 hours I spend in the day. Definitely reduces my motivation to get going when I am home. Onwards and upwards, one step at a time.


My thought for the day as it is pouring with rain here today - it has to rain sometimes to enable us appreciate the beautiful sunshine.


Have a good day all
xx

[Deleted User]

Small steps

Have a good day and I hope that the rain eases off x

Storm89

Morning I'm sure you'll find lots of support on here . I'll be rooting for you to clear the debt and make all the changes you want in your life.

Dimps_123

Right - shopping list written. Weekend plans now include batch cooking and freezing my own ready meals! I need to include that in my budget and know I need to track my spending down the last penny. Having never done this before - it'll be a steep (vertical) learning curve.


Feeling motivated :-)

Dimps_123

Old lifestyle
I want that now !!!
No, no, no I shouldnt
But its so pretty
I will have it today but no more after today!

New lifestyle
I want that now !!!
You cant have that now
You dont need it
You cant afford it!