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The Mental Debt Struggle...

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  • Keedie
    Keedie Posts: 2,851 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Oooh I'm loving all these savings info, thank you everyone! I need to really number crunch so that I can afford to put some regular money aside. I've been doing the penny challenge as well @enthusiasticsaver, and will join the thread for next year as well.

    I really need to get on top of my budget and financial goals for 2023. I've been watching some YouTube videos to see how other people do it and I've been getting some inspiration. My mum said that I can pick my Christmas present and so I got her to get me Atomic Habits by James Clear and with 4.5 starts based on 112k reviews on Amazon, I'm sure that it will live up to the hype, as many people have said that it's life changing. I do need to develop better habits and routines, so I'm looking forward to reading it. I also got a Clever Fox Premium planner to help me organise my week and my thoughts. My therapist has been helping me to get things out of my head, so that I'm not carrying so much stress and I'm hoping that I'll be able to get my thoughts organised and it has a budget section so that's a massive bonus too!

    I got a bit down recently, I'm finding the run up to Christmas harder this year than last year in terms of missing my dad. And the news is really depressing at the moment, all of these bad accidents and people having no regards for other people's safety or value of life. I drove past the 02 Brixton Academy around 9.20/9.30 on Thursday, and I could see the police cars and the massive crowds of people and I could feel the tension in the air and the traffic was crazy because of all the people and how some selfish people had parked. It was a crazy and to realise that a woman died from her injuries after being crushed and two other young women, aged 21 and 23 are in critical condition is heartbreaking. And then, I read on the news that an 11 year old boy was pushed onto a frozen lake at school in Manchester and fell through the ice and had to be fished out! And that bully that pushed him, did this the day after those poor boys lost their lives from falling in the lake in Solihull. There's a lot of madness out there sometimes 😔.
    Debt Free Diary:- The Mental Debt Struggle
    (Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
    2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
    2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/50
  • I agree about organising your thoughts on paper. My hypnotherapist told me to keep a journal a few years ago. It does help
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  August £0

    Decluttering items 756

    Books read    13
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


  • Keedie
    Keedie Posts: 2,851 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Thank you @AntoMac for always helping me to put things into perspective and I am really sorry to hear about your friend's father passing. It's so heartwarming to see that a stranger was willing to try and fulfil a dying man's wish, and it's a shame that he wasn't able to actually take the dream ride 😔. But it's nice to see the good in humanity. I remember when I went out with my son on our snow walk on Sunday night and on the way to the bus stop, we saw a man propelling himself in his wheelchair on the snowy and icy pavement with no gloves and he wasn't gaining much traction. So my son went over to him to help push him to the bus stop. I was really proud of him! And he helped him on the bus when he was struggling to get up the ramp backwards. I do need to remember more of these things when I am feeling sad, so thank you.

    I used to write a diary religiously when I was at school @Makingabobor2, and it really and truly was a lifesaver to organise all of my thoughts and it made a big difference. Until I lost it at school and realised that it had fallen out of my bag in science class and my teacher took it upon herself to read my diary and then give me DETENTION because she didn't like what I wrote in my own diary! 😳🙄 Admittedly she didn't feature well in it because she was mean spirited, but I think it being a strict Catholic school she was more upset about the fact that I was agonising over kissing my first love - who I thankfully grew out of obsession with as he was a bit of a loser 😂. That scarred me though. I found it hard to maintain a diary after that as I felt so violated. But I'm going to try and start a new one as it was very cathartic.
    Debt Free Diary:- The Mental Debt Struggle
    (Original Debt on 15/07/2016 was £33,056.76) 🙈 but Debt Free on 09/02/2025 🎉
    2025 SAVINGS: Emergency Fund (£604.30/£5,000) 12.09% saved
    2025 CHALLENGES: #16 Sealed Pot Challenge ~ 18 || #9 50 Envelope Challenge 22/50
  • badmemory
    badmemory Posts: 9,611 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Keedie said:

    and to realise that a woman died from her injuries after being crushed and two other young women, aged 21 and 23 are in critical condition is heartbreaking. And then, I read on the news that an 11 year old boy was pushed onto a frozen lake at school in Manchester and fell through the ice and had to be fished out! And that bully that pushed him, did this the day after those poor boys lost their lives from falling in the lake in Solihull. There's a lot of madness out there sometimes 😔.
    I read this & thought the world is going to hell in a handcart.  Then I realised that the only difference between the past & now is that now we know about all this stuff.  60 years ago my sister was attacked by a gang of girls when she was on her way home from guides. (They got most of them & she identified them in court even though they had changed their hair colours).  The thing is though that it didn't even make a paragraph in the local paper, NOW we would all have read about it on the internet is some way.

  • AntoMac
    AntoMac Posts: 2,683 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    That’s a lovely heartwarming example from your own son Keedie. Seeing that kind of behaviour from a teenager, with all the angst and confusion they are dealing with, makes it even more special. There is a more than reasonable chance that he might exasperate you or make you a little bit cross at some point in the future, so try and remember the underlying great lad that he is if (when!) that does happen.
    The episode with your diary from your schooldays would clearly have a profound effect on anyone. What a cold and heartless intrusion into your privacy. By the way I could counter that with a story about a great teacher I had, but won’t on this occasion! I had the odd horrible teacher too, don’t you worry! Keeping a diary sounds a great idea. Nice one @Makingabobor2 These days we can even do them online, and password protect them if we wish.  You’re getting a lot of your thoughts down on here anyway, which is a good thing.
    The good stories don’t make the needless tragedy of what happened at Brixton any less tragic of course. So sad and unnecessary. 
    I truly believe there is way more good than bad in this often sad World, but the bad just makes a lot more noise and ‘sells more papers’ than the good. 
    27/5/17 Mort 64705 BTs 1904031/12/17 Mort 59815 BT 1673007/04/20 Mort 49208 BT 1572128/07/20 Mort 47387 BT 1263414/11/20 Mort 45905 BT 10134 20/05/21 Mort 42335 BT 686811/08/22 Mort 32050 BT 2915Sealed Pot Challenge 16 Number 5
  • AntoMac
    AntoMac Posts: 2,683 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    @badmemory you’ve stirred up a bit of a bad memory of mine  :)
    I was attacked by a gang of about 20 lads years ago when I was out with a girlfriend completely minding my own business - completely unprovoked. 
    My mum and dad made me go to the police and the ringleader went to court. I got compensation and he got a heavy fine. A part of me still wants to catch up with him one to one and see if he wants to try his luck with me again without his big tough mates alongside him.  I need to get over it as we were just teenagers but I can’t stand any kind of bullying. It’s just every now and then it still makes me angry. We all have those little skeletons in our closet.
    My attack did at least get an inch or 2 in the local paper, but the internet was very much something from Science Fiction back then! 
    27/5/17 Mort 64705 BTs 1904031/12/17 Mort 59815 BT 1673007/04/20 Mort 49208 BT 1572128/07/20 Mort 47387 BT 1263414/11/20 Mort 45905 BT 10134 20/05/21 Mort 42335 BT 686811/08/22 Mort 32050 BT 2915Sealed Pot Challenge 16 Number 5
  • badmemory
    badmemory Posts: 9,611 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Totally agree that there is far more good than bad in the world.  I think the real problem is that good is not news, so we just get overwhelmed by the bad.
  • badmemory said:
    Totally agree that there is far more good than bad in the world.  I think the real problem is that good is not news, so we just get overwhelmed by the bad.
    That's exactly it. The good news always comes up at the end as a ......"and finally...." and then its a really short report.  I try not to watch so much news these days, apart from politics, as I am a great believer in the the idea of watching/listening to negative or bad stuff, just drags more of it into your life.  Your feelings become you thoughts and your thoughts become your reality. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,744....its going down

     Mortgage Free December 9th 2024! 
    18mths ahead of schedule.  Since 2022 we paid over £15K in OPs.

    Challenges

    EF #68  £550/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  August £0

    Decluttering items 756

    Books read    13
    Jigsaws done  8

    My debt free diary...https://forums.moneysavingexpert.com/discussion/6396218/we-will-get-this-debt-d£own-the-savings-up


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