Little bit of Wales; living in sunny Surrey

catlady1990

Good news I forgot that sick pay kicks in the following month so I get paid more than expected as the sick leave was from May! Due on Tuesday!!
I managed (against my sister views) to put the loan of £1422.28 onto a 0% credit card for 16 months.
I kept my emenergency fund at £1000 and anything over that went into paying the monthly amount early with no extra charge so next owe on the 28th of August. 
Other 0% credit card is just waiting for  payment but otherwise balance not gone up.

In other news still poorly and struggling with all the forms that universal credit and dvla need

MovingForwards

Take your time and ask a friend to help, sometimes having things read to you makes it easier to provide answers.

Hope you feel better soon.

catlady1990

My boyfriend has helped writing it but sometimes it's hard to string my thoughts together. It's all such hard work.

catlady1990

OK uc form for not being able to work filled in. Pip form filled in my bf did both bless him. Hopefully I get a bit of something from pip as it was a lot to the form. 

I woke up and can't sleep so thought I would update. Been looking at private rental properties and bidding on council properties but no luck so far. 

Currently managing OK with money. Struggling physically and mentally still so back to ask for help in the morning as I can't cope with the jitters and feeling like my  bones are glued together from getting too tense

catlady1990

Update as usual awake at this time of the morning. It has become the new normal for me. Still worrying about money, as until I get my pay at the end of the month I don't know how tight it will be. 
Turned out feeling like S*** was due to side effects of one of my medications so got told to stop that but the side effects have continued and I am feeling paranoid all the time so waiting for new meds to help with that (hopefully bf can collect today)

Money owed:
 £1000 to sister,
Monzo loan £4893.32,
0% cc one £864. 95,
0% cc two £1493.08

Savings:
LISA £1700
Stock and share ISA £180
Emergency fund £1000
3 - 6 months £10.88
Sinking fund £693.75
Tax Fund (due to flat tied to work) £149

I don't want to liquidate all savings due to the risk of having to go on credit card but I have used some to bring my loan down a bit. Hopefully I can survive until I am able to do tasks without being so exhausted and get the anxiety under control then back to work in staggered return. 

MovingForwards

Takes time to get some meds back out the system, hope the new ones help.

Don't be so hard on yourself, the debts will come down and savings will increase. 

catlady1990

I think (well according to dr google) it takes 16 days for old meds to work out of the system so quite a long time. 
I know I'm my own worst enermy, but I do find writing stuff on here is quite cathartic. Time is the greatest healer but it is so difficult to slip up, when I have worked so hard to bring my debts down to a manageable level. 
I have flexibility now though as once on a 0% credit card at least debt is not gaining interest and I have over paid my monzo loan so don't need to make a payment until the 28th of September (if I get stuck).
i'm just worried about being hit by a massive tax bill at the end of the year or not getting National Insurance credits which will affect me in the future. 
So I have to save more than I would like instead of putting it into debt.

I know once I am on the right combinations of medications and had all the therapy that goes alongside I should get to a point of going to work again. I forget recovery of any kind is a journey and I know if I am kinder to myself it will make that journey easier. So it is exactly the same with debt and savings. 

Anyway thank you moving forwards for reminding me to be kinder to myself.