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Single Mum Losing the Debt!

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  • savingholmes
    savingholmes Posts: 28,971 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry you are having a rubbish time. MH issues are more common than people think. It can be a major contributing factor to overspending. I try to find positive things to focus on. And literally watch positive stuff on youtube or debt busting stuff on you tube like Dave Ramsey to give me some motivation to stay on plan. Plus do nice things like a walk in the park with your son etc.. .HTH
    Achieve FIRE/Mortgage Neutrality in 2030
    1) MFW Nov 21 £202K now £174.8K Equity 32.77%
    2) £2.6K Net savings after CCs 6/7/25
    3) Mortgage neutral by 06/30 (AVC £24.3K + Lump Sums DB £4.6K + (25% of SIPP 1.2K) = 30.1/£127.5K target 23.6% 29/7/25
    4) FI Age 60 income target £16.5/30K 55.1%
    5) SIPP £4.8K updated 29/7/25
  • Sorry you are having a rubbish time. MH issues are more common than people think. It can be a major contributing factor to overspending. I try to find positive things to focus on. And literally watch positive stuff on youtube or debt busting stuff on you tube like Dave Ramsey to give me some motivation to stay on plan. Plus do nice things like a walk in the park with your son etc.. .HTH

    Thank you! I will check out the youtube vids :D
    I've downloaded the Pokemon Go app hoping that me and DS could play it while we are walking and it might encourage me to take him out more :D
    C xx
    Read my diaryHere :)
  • Jox
    Jox Posts: 1,652 Forumite
    Part of the Furniture 1,000 Posts Photogenic
    There's a lady on youtube I follow called Mama FurFur and she talks about budgeting and investing. Shen had a nervous breakdown earlier this year. Yes mental health issues are very common x
  • Jox wrote: »
    There's a lady on youtube I follow called Mama FurFur and she talks about budgeting and investing. Shen had a nervous breakdown earlier this year. Yes mental health issues are very common x

    Thank you xx
    Read my diaryHere :)
  • Had my second CBT yesterday, was quite eye opening actually.
    My therapist was telling me about my negative thoughts being like a poison parrot that keeps repeating them to me and I would let the parrot go if it were real and I need to do the same with my thoughts. In theory it sounds easy but it is actually quite hard.
    I've also got to do a diary of what I do and when I sleep for a week so that will be quite interesting to see as well.

    Money side of things I haven't checked my bank accounts because I am scared of what I have spent I have my CC back now but I really need to stop the willy nilly spending.

    Last night I was really craving a takeaway but I was good and I didn't get one I cooked the sausagemeat burgers from my hello fresh box and they were loooovely! Although the box is fairly expensive I am thinking it may be a good way for me to make sure I am cooking decent meals at least 5 times a week. Or maybe I could change to a 3 meal box? It is just a thought.

    C xx
    Read my diaryHere :)
  • beanielou
    beanielou Posts: 95,540 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    CBT sounds good :)
    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.
  • Too hot here today. DS is sitting in a flexitub with water and some bath toys and I am in front of the fan!

    Taking advantage of the sun and drying some washing outside so that'll be less use of the dryer.

    Hoping to bag a NSD as it's so hot I can't see us going out anywhere plus isn't fair to drag DS out in this heat. There is a chance his nursery may be shut today or tomorrow if it gets too hot. I am hoping it is cooler tomorrow as I'm working again all day and can't deal with this heat!

    C xxx
    Read my diaryHere :)
  • Also DS has his 2 year check again today, he is still not where he should be but has developed a year in 4 months! So I am over the moon with that and his social skills are now where they should be :D so one very happy mummy.
    Read my diaryHere :)
  • beanielou
    beanielou Posts: 95,540 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Also DS has his 2 year check again today, he is still not where he should be but has developed a year in 4 months! So I am over the moon with that and his social skills are now where they should be :D so one very happy mummy.


    Good news :)
    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.
  • Did not get my NSD yesterday as was naughty and ordered a pizzas dunno why because we hardly ate any of it :/

    DS also did his first wee wee on the potty for me I was so happy with him bless him.

    Working all day today it's already over 25c at work so gonna be a fun one. The air con broke yesterday but seems to be working today so it better stay that way!

    C xx
    Read my diaryHere :)
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