Dealing with Debt and Depression.

Lucy1982_2

I don't blame you. Have a nice bath and then an early nice.

Speak to you tomorrow x

Lucy1982_2

Morning

Well nearly had a panic on just now. Checked my OD account and only had £10 available... I thought I had to still pay for a £30 tank of petrol that hadn't come out of that account :eek: Only to realise that I used my main account for petrol . I think we can safely say I need to start leaving that card at home!!! But it does mean that everything has come out of my OD account and I can now make it dorment while I pay it off (again!) Not what you need at this time in the morning!! (although I do have £20 I can transfer into my OD, not much but it is a start!)

I have recovered from my weigh gain blow last night (although I am NOT telling anyone what I put on!! ) I have had a good slimming breakfast of cheesy scrambled egg on toast and I a looking forward to my fruit salad at lunchtime. I've got a sheet with me so I can write everything I eat down on it which will hopefully make me aware of what I am eating.

Very cold here today, I spent nearly 10 mins scrapping the ice off my car. OH and I are going to brave Bristol on Saturday to try and finish our christmas shopping, fortunately he has said that he doesn't want anything really expensive (some T-shirts and Jumpers) which is nice of him. Although I prefer his sister's suggestion which is that we get each other a little token gift to open at christmas and then get something proper in the sale in Jan (Very DFW ) But he wasn't to keen on that idea :rolleyes:. Still I am doing that with Mum's main present... Shoes in the sale!

OMG I jus realised that I am waffling far more than normal.... It must be the effect of wearing my funky woolly hat!

Lucy1982_2

I've just had another payment going into Paypal from an Ebay sale!!! I am finally Ebaying and I have about £10 sat in there!

it's very exciting.... Just need to list some more things now.

bathgatebuyer

Keep going, Lucy!!! Ebay can get incredibly addictive though - it's a good thing you can't sell animals on it, as my cat is just about the only thing that isn't nailed down that hasn't gone on Ebay so far!

Nah, I'm not that bad - really! I find it really useful even for making purchases, as I view it as 'getting rid of the junk up my loft and exchanging it for something I actually need but can't afford in the shops'.

Mammoth final push for Xmas shopping today - still, i think I've got the pressies 100% correct this year and not too expensively done either.

Lucy1982_2

Good Luck with finishing your Xmas shopping.

I am aiming to get mine finished on Saturday and I'm also aiming to be much more orgainsed next year!

I've just had a very healthy lunch of a mixed fruit salad and a yogurt, very yummy! and I still have a chicken noodle thingy for if I get peckish this afternoon

I'm in a bit of a funny mood today. Part of me is feeling a little stressed and depressed about money and how hard I am going to have to work to get myself free of the OD and Laptop. But on the other hand I am feeling motivated and ready to get on with it.

Very confusing!

Lucy1982_2

Ok I have been thinking all afternoon.

I can't wait until 2008. It is going to be my year. I'm not going to say I will pay x amount off my this time next year. But I will be without my OD and Laptop debts.

I feel really positive about this battle. I know it is one I am going to win. The real challenge is going to be sticking to my £30 a week 'spend's' budget. This is going to be for things like my Slimming and dance classes (£10.50 a week total) and then anything I do at weekends. The idea is to save up any left over money and put it towards a treat at the end of the month.

If I manage this I am left with £180 to pay off my OD, Laptop and for a little while save for my hotel in Feb.

So how does this sounds:

Laptop has a silly APR of 29.9% (I know :eek: ) and a min payment of £15.18 (:eek: ) So I am thinking of paying an extra £100 off a money. Which means it will be gone by the end of May.

OD is interest free until June and while i know people will tell me to leave it I can't so I am thinking of paying £50 off this a month until I have saved enough for my hotel and then up this to £80.

Hotel I am going to my cousins 21st in early Feb and the hotel is going to cost £90 (this is a treat for me) I have £33 towards it already and in Dec and Jan's pay packet will put a further £30 towards it. Once this has been paid I will add this amount to my OD payment.

Does that sound ok? I know sticking to my spends budget will be tough, but it is something I am going to have to learn to do, but any tips on making the money last longer would be great!

kassytbag

:jLucy that sounds great! you will achieve it i have no doubt! :beer:

giggal

Hi Lucy
I'm so impressed by your positivity, it sounds like you have it all clear in your head which I'm sure will make it happen for you. I'll be cheering you on! xx

Lucy1982_2

Morning Everyone.

Very tired this morning, I didn't sleep very well so not feeling as happy and positive as yesterday.... even less so when Mum woke me up at 5.30 this morning because she dropped something!

Was very good with food yesterday and I am hoping for more of the same today. I am just so tired! My boss is in the office today which means I will probably be really busy.

I have finally written the few Christmas cards I need to post and will be getting stamps for them later. Other than that I am going to try and have a nice slow day and possibly an early night.

Take care x

Lucy1982_2

Morning.

The title says it all. I tried on the outfit for my Christmas Party last night and I have put so much weight on the skirt is FAR to tight I cried solidly for about an hour. I can't believe I have done this to myself. I am going to get fat again. I just seem to fail at everything at the moment.

So I now have to wear my jeans and will feel like a fat, horrible blob all evening (party is tonight)

I just want to curl up under a rock and hope that the world goes away.