Time to start a fresh.

BlueJ94

Morning all.

I batch cooked soup for the week for work, its brocoli potatoes chilli and cheese! I also made breakfast wraps for the next 3 days. Im doing my couch to 5k run tonight and tomorrow I have my 3 hour zoom call Wednesday I'll be off to IKEA as a friend is redecorating so ill be looking out for a desk for my spare room! 

BlueJ94

Evening all,

Feel a bit bleh tonight, just bummed! I decided to take a look at my debts and see where I'm at and its totally demotivated me. It feels like the debt is never ending!! Maybe I need to rethink my budget plan and go from there, or work out another method of paying towards my debts. I don't want to fall back into old habits but I am super stressed. I have 0% interest on 3 CCs as agreed but I don't know when this runs out so I have contacted them and will see tomorrow, I feel like I get paid pay the basics and then can just about afford to pay my CCs or Loans!! Sorry for the little rant and rave, i'm just fed up! Waiting on the money feels like its taken foreveeeeer! We sold the house 7 months ago! 

In the next coming weeks I will need to;

Re-budget 
Fill out expenditure forms for CCs/Loans and see what I CAN afford

Hopefully tomorrow is a better day!

BlueJ94

Morning all that follow along.

Today feels better than yesterday, have my zoom call later this evening its 3 hours long so won't have much else to do today. I have tomorrow off work so off to IKEA with my friend.

I have email the 3 CCs that have 0% to see how long this will last for. 

Parkyp

Awe don’t feel disheartened you have been doing great tackling your debt. 

Are you still doing surveys?  My friends mum died and they had her house to sell . It took almost a year by the time is went in the market and then sale went through.
hopefully getting out with your friend tomorrow will help your mood. 

enthusiasticsaver

Unfortunately there is no quick fix to repaying debt. I think you need to know end dates of the deals before making a plan. 

BlueJ94

enthusiasticsaver said:

Unfortunately there is no quick fix to repaying debt. I think you need to know end dates of the deals before making a plan. 

Yes I know, just having a down day. Deals? Do you mean the 0%? Or loans etc. I've emailed all this morning

BlueJ94

Parkyp said:

Awe don’t feel disheartened you have been doing great tackling your debt. 

Are you still doing surveys?  My friends mum died and they had her house to sell . It took almost a year by the time is went in the market and then sale went through.
hopefully getting out with your friend tomorrow will help your mood. 

Thank you!

Yes, we've been told we should get the money "in 2 weeks" 4 weeks ago aha!
Also yes still doing surveys I have a 3 hour zoom call this evening for £70!
Yes hopefully. Thank you

FootyFanDan

Sorry to read you have been feeling a bit meh, you have done amazing so far. I think we all want the debt gone and not impacting our lives, but you are progress and changes that will benefit you so much in the long term. I know it's hard at times but keep going you have got this!

BlueJ94

FootyFanDan said:

Sorry to read you have been feeling a bit meh, you have done amazing so far. I think we all want the debt gone and not impacting our lives, but you are progress and changes that will benefit you so much in the long term. I know it's hard at times but keep going you have got this!

Thank you! Obviously the debt won't vanish overnight.. I wish but I'm just demotivated, I think I need to re budget etc and go from there.

Thanks for the support

MrFrugalFever

jadewest94 said:

FootyFanDan said:

Sorry to read you have been feeling a bit meh, you have done amazing so far. I think we all want the debt gone and not impacting our lives, but you are progress and changes that will benefit you so much in the long term. I know it's hard at times but keep going you have got this!

Thank you! Obviously the debt won't vanish overnight.. I wish but I'm just demotivated, I think I need to re budget etc and go from there.

Thanks for the support

Hi Jade,

the biggest gains will almost always mean some of the biggest sacrifices will need to be made to get them.

when I moved house nearly 3 years ago, I was in a situation whereby I had a fluctuating salary (month to month) due to the nature of my job and a place I had to afford on my own. My sole mission was to reduce my bills and outgoings to as little as physically possible to give me maximum disposable income to pay the debts.

i have sacrificed things like;

- TV License
- No new phone (sim only contract)
- Broadband
- Electricity usage (heating only if absolutely essential, same with hot water - all electric property)
- Amazon Prime
- Breakdown cover
- Food shopping, this is where I have made the biggest savings
- General spending on stuff I DON’T need but want...

It’s tricky at first but you learn to live with it and realise the best things in life are free.