Too scared to check balance

Sea_Shell

Have you looked yet!!?

teaandcupcakesplease

no....  here is the thing. whatever the balance on the card is my only debt. i know i am really fortunate. I'm being hard on myself as i go round in circles frittering money putting it on the card paying it off - saving nothing. My mum was terrible at saving money and when she  died very suddenly relatively young, she had very little yet worked her whole life (she didnt get the chance to retire. (even if she did she would have had very little)  I just don't want to be like that. I also have Bi polar with  extreme anxiety so this "debt" in world living with anxiety feels massive and i will lose sleep over it. I really hope this is explained ok xx

Sea_Shell

What problem was ever resolved by sticking ones head in the sand.    Just do it!!!!!

What is the absolute worst that can happen....it won't go away if you don't look.

The "not knowing" is probably the worst bit.

Naomim

I think you've explained fine. Some people have little debt and it's a huge thing to them, others loads and dont have the panic. We're all different.

I'm much less panicked when I'm in control of it. Once I've taken the step to look at it and made a plan of action, I'm good to go.

Good luck.👍🙂

Naomim 

teaandcupcakesplease

Ok so things are not as bad as i thought. i had £30 in bank £40 in purse and £609.91 on the credit card. I have just payed £19.91on the card left a £10 in the bank just incase and i get paid next thursday. I am going to take my credit card out my purse and re look at my budgets. my down fall is Home bargains, etc  as for the last 18 months i have been WFH not an excuse but i am fed up looking at things so i buy stuff and move things about just for a change. no need i know.! thank you al the took the time to read my post - it really is appreciated xx

Naomim

Have a look at the survey sites. You can make some good money. I usually manage a little overpayment on the cards with these every month and the little payments make a big difference 👍

Sea_Shell

Is there anything that you can take back and get a refund?

teaandcupcakesplease

Sea_Shell said:

Is there anything that you can take back and get a refund?

 no afraid not HOWEVER there is stuff i can sell and put towards it.  thankyou i appreciate it xx

andys15

Only get that feeling after a night out or a golf trip away for a few nights. Then I wait until hangover is clear and face it. 

EssexHebridean

Do remember that people on here are only trying to help - we see posts like yours a lot - and it's impossible to know whether the figure that "might be" a problem is £60, £600 or £6000 - or even more come to that!

I'd agree that an SOA is a good idea for you - and no, you absolutely don't need to post it here if you don't want to, but what you DO need is a properly worked out budget for your expenditure. Something to remember is that credit cards used effectively mean you use the card to pay for things you already HAVE the money for, and keep that money in your own bank account for an additional month. They're not meant to fund stuff that you don't yet have the money for as a routine thing - that way problems lie.

I'd suggest - put together that SOA with all your regular expenditure on it. That will then give you your monthly surplus - your true "disposable income" to deal with as you wish. use a proportion of that to start an emergency fund if you don't already have one. Of the remainder, initially save 50% - preferably somewhere you can't easily access it. Then allow yourself the balance to spend - but ONLY that. The deal is that anything from that money not spent at the end of the month, you get to add to your savings pot. And over time, you'll start to enjoy watching that pot grow more than you will enjoy frittering money on things - or at least, that's the aim!

There is literally NO reason not to do an SOA just for yourself - and if you're resistant to that, I'd suggest stopping to think why that might be. Please though - take the advice and help being offered in this thread while you're NOT in debt.