Life Starts Now

ILAWG

I had a productive day yesterday working from home. Today, sat in the office I’m just listening the hubbub of office life and how bad people have got it, you know, the fact they have a rather flexible, well paid job. Honestly, some people!! Will be leaving at 5 today and am already thinking about what I should be doing this evening when I get home. Washing needs to go on and the hoover needs to go round, but apart from that – nothing.

I have contacted creditors asking for up to date balances and I’ve been sent these, along with the usual line of, ‘we’d be happy to work with you to find a repayment plan that is affordable to you….’ – I’m still thinking of self-management. I put my details into the Nedcab website and it came back with way different offers to my creditors, highest offer to the highest debt – which is different to what I’ve got now. I think what I will do in the new year is continue with these payments as they are, but do it myself, and then I will have the option to overpay and bring the debts down. Yes, that is what I will do, only this time I will stick with it – thank you diary – always helps to write things down.
:T:T
Still have Christmas pressies to get – not too many more so should get it done this week – I have wrapping to get done too, saying that I’d got to put the decs up as well. I’d better get on with it all.:rotfl:

ILAWG

Yikes :eek:…I’ve overspent – and I’ve nothing to fall back on. I’ve contacted Stepchange to advise that I am not going to be able to meet my payment on 1 Jan. I did have everything planned out and have been doing my best to save up for Christmas but there’s no other way of putting it, I’ve simply overspent. Yes, I’m angry at myself for not keeping my eye on the ball, but am also realising how sick I am of this debt and always feeling I have to answer to someone else! I want it gone and will be doing all I can to get rid next year – don’t get me wrong I know I accrued it and I knew what I was doing.:mad::mad:

Stepchange have advised that they have put my direct debit on hold and will commence from 1 February but because I’ve gone off track , I need to contact my creditors and explain why they won’t get a payment in January :eek::(

I have written a letter to Provident about the loans I had with them, I realise now they were unaffordable and so I’ll see what I can do to get something back from them. I really don’t know how I thought I was coping back then, I think I used to live my life on the ‘it’ll be alright’ mantra – I’ll somehow come into some money and that will sort it all out.

Reading the DMP mutual support thread really peps me up. I am not the most self-confident of people and find it hard to hold my ground for fear of repercussions and I know that creditors will play on this (not that they know me??). I have 10 creditors and the highest amount I owe is £2,500 and then they drip down to the lowest of £308, but the total debt is circa £15k. These have been dragging on for a while so it might be time to self-manage, reduce payments and wait for responses – gulp

Well, I wish you all a happy Christmas and a happy New Year.

ILAWG

Christmas was nice and quiet, what with dd working a lot of the time and then staying with a friend, I've had a lot of time on my own. I normally long for the peace but it's done me no favours this time. Been thinking about not making next month's payment and really kicking myself for this oversight. Got me going then on everything that's gone wrong over the years. Talk about wallowing! I found myself quite depressed yesterday. I do try to be upbeat about things but it's not easy. Could be a lot worse, I know.
My sister has a mental health condition and finds change/life in general difficult to cope with. I have to go careful with her, it's like she needs to be protected from the outside world. I do most things for her and go everywhere with her. She relies on me for nearly everything. I hate myself because I feel suffocated by this at times.
It's just really hard to want to get up some days.
Had to write this down to get it out of my head.

ILAWG

I woke up easy today and felt ready for the day. I've already got a roast on the go and have been to the bottle bank and... I've cleaned out the fridge. I'm just having a cuppa now before I start again.
I've called my diary life starts now, and 2020 will be a positive new beginning. Wondering if I should go back to the drs and get my meds increased. I've got an appointment booked for early Jan about something else and so I'll discuss things then.
More washing to do and bathroom to clean today, will also get the hoover round.
Going out with dd and sister tomorrow- looking forward to that

ILAWG

The grand day out didn't happen. Sister was poorly and my bones were aching so we put the day off. We did pop into town though with dd for a mooch, got home and then fell asleep.
Dd just informed me she wants to go to a party tomorrow night with her friends.. :eek: suppose this is something I need to get used to. Means I wont have a drink now in case I get the call to collect. I will see the new year in with a cuppa - at least I'll have a clear head on new year's day
Just need to devise a clear plan of action for debt busting and I'll be sorted

Jox

Well done to DD for her job and to you for decluttering and managing the debts, it's horrible having them weighing you down, but it'll get better.

Good luck on the job front, hope it all gets clearer soon.

ILAWG

Thanks Jox and hello:wave
I've just dropped dd off at work and am now back in bed. Arthritis is being a pig today. Will be picking her up at 2 then off to the shops for some final bits.
Dd is partying tonight but assures me she will be back by 11.30 so we can see the new year in together. She's off to football tomorrow with her dad in London. I will be glad when she's back home, I'll be collecting her from the train station. It's a later kick off so she wont be back until 11.30ish.
Cant believe it's nearly Thursday and I'm back to work, where does the time go?
Debts - have realised it doesn't have to be all or nothing and will make overpayments whenever possible to start reducing in a big way. I'm going to take some time later to plan a few things out, get them written down and use it as something to refer back to at times when I feel down. Might add a couple of inspirational quotes as well.

ILAWG

Here we go into a new beginning. I'm going to take life as it comes, be more aware of me as a person and take steps to reduce the debt . If things don't pan out I'll re-think, re-direct like a satnav and get on another road to reach my destination.
Today though will be spent with sister for the most part. We had a lovely evening yesterday waiting for dd to come home. She made it back by 11.40 and we saw the new year in all together.
Will take the decs down today, I didn't put much up tbh just a tree and a bit of tinsel here and there. Then, maybe a stroll... just to kick off the new attitude

Chrystal

Happy New Year!
Hope you're keeping well and that things are progressing as you want them to?

ILAWG

What a few weeks. Been signed off work and am off to the hospital this week for a diagnosis or not, of something potentially nasty. I have already convinced myself its gonna be bad news.
Anyway, I made a complaint to two creditors for irresponsible lending, still waiting to hear back on them, should be soon though. Other than that I've heard nothing from any of them which is unusual as I missed a payment on 1 Jan. Next payment ready and waiting to go on 1 Feb.
All good with Dd, still enjoying her job and college.
Hopefully I'll be back with some positive news later in the week.