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Three years to get debt free

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  • Sun_Addict
    Sun_Addict Posts: 24,118 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Everyone has bad days, totally normal. It’s a shame people are buying you things you can’t have/use. Do they know about your allergies?
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Willowtree222
    Willowtree222 Posts: 8,224 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 29 December 2021 at 8:19PM
    Everyone has bad days, totally normal. It’s a shame people are buying you things you can’t have/use. Do they know about your allergies?
    Yes they do. I’m difficult to buy for because of them. I’ve tried to tactfully say I can’t use them but without outright saying it which will likely offend, I just say thank you and donate them on. 

    It’s not so much about the gifts as I’m used to them now. It’s more how it reminds me I’m not like normal people. 

    DD got me some lovely bits when she went shopping with my mum. She has got to the age of deciding what she thinks i should have and is a very careful thinker. 

    X
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • I won’t  be shopping in the sales either because they don’t seem to be as good as they used to be, and who has time to spend going through tatas in the vain hope of finding something suitable? 

    I’m glad you’ve decided to continue with this diary. I don’t post a lot but read your diary religiously. I used to be in a similar situation to yours a few years back, so can relate and can say that there will be better days ahead. 
    LBM: August 2006 - £12,568.49 ——  DFD: 12 March 2012
    MFD: 30 March 2019
     »The road to DF is long and bumpy » Greensaints 
  • Fidelia
    Fidelia Posts: 321 Forumite
    100 Posts First Anniversary Name Dropper

    I’m glad you’ve decided to continue with this diary. I don’t post a lot but read your diary religiously. I used to be in a similar situation to yours a few years back, so can relate and can say that there will be better days ahead. 
    I agree with that 100%

    I try to remember Captain Sir Tom's motto every night before I go to sleep..... ''Tomorrow will be a good day''.  It doesn't always come to pass but I know I'll wake up full of hope for what lies ahead-D.  
    New Challenge:  Tilly Tidy as much as possible in 2022.  Running total to 26 Feb: £183.77

    Tilly Tidy to £1200+ by 31/12/2021 Challenge.   
    Final 2021 total: £1313.37 /£1200+     Average £109.45/month 
    J£74.95/F£92.17/M£99.42/A£98.20/M£116.30/J£129.68/J£93.37/A£140.25/S£128.10/O£119.57/N£106.20/D:£115.16
  • Willowtree222
    Willowtree222 Posts: 8,224 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 30 December 2021 at 9:43AM
    Thank you both. 

    I managed to get a lot more sleep last night which has made me feel a lot better. DD is still asleep so she needed it too. She had a no technology night last night so that she was in bed and ready to sleep. She was asleep by 8pm too so she must have needed it. 

    I agree about the sales too. Nothing has flagged up to me but if it did I’m not in any position to buy anything.

    I’ve switched bank accounts too so have another £125 heading my way in a few weeks. £25 will be takeaway and treats for DD and I and the rest is a loan payment. Might as well start as I mean to carry on. 

    My freezer in the garage has broken too. Managed to squeeze most of it into the normal freezer and it’s been picked up today for recycling. That’ll clear more garage space. I won’t be replacing it at the minute! 

    Think I need to do my diary though. It’s really about goal planning. I think it’s time I started to let go of the old stuff and start planning the new things.

    The most difficult question I find is the one that asks how I come across to other people! 🤦🏼‍♀️ How would I know that!! If there asking my students there’s a few choice words! X
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Parkyp
    Parkyp Posts: 883 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    Friendly, loving, caring and happy (you might not always feel that but I bet others wouldn’t know).

    Awe dd must have been exhausted. 
    Do you switch bank accounts every couple of years when they have an offer on, might as well take free money from them lol.

    I’m heading into town to swap over a top for my son but he has lost the receipt, hoping the will still swap it. 

    Enjoy your day x
  • Parkyp said:
    Friendly, loving, caring and happy (you might not always feel that but I bet others wouldn’t know).

    Awe dd must have been exhausted. 
    Do you switch bank accounts every couple of years when they have an offer on, might as well take free money from them lol.

    I’m heading into town to swap over a top for my son but he has lost the receipt, hoping the will still swap it. 

    Enjoy your day x
    Thanks Parky. Hopefully they will swap it for you. 

    I switch quite often. Not my main bank as they like longevity when it comes to mortgages etc but as soon as I can with my other banks. I did one a few months ago and got £130 so now moving again. X
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Parkyp
    Parkyp Posts: 883 Forumite
    Fifth Anniversary 500 Posts Name Dropper
    They changed the top as long as I could show the transaction on my bank statement. So that was easily done. 
  • Parkyp said:
    They changed the top as long as I could show the transaction on my bank statement. So that was easily done. 
    That’s good. Glad that they did x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • I’ve been filling in my diary and I sent out the question to my friends (as it suggests!) “what do you admire the most about me?” It feels weird to send it out but I explained the context of how it’s trying to promote positivity in my journey.

    Answers so far have been:
    true
    loyal
    caring
    kind
    trustworthy
    friendly
    loving
    happy.

    The one that made me smile the most so far though was simply “No Bullsh*t”

    It’s interesting seeing how others perceive me. I know it’s only one element and they’ll be negatives. This diary is about the positives though. 
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
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