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The Mental Debt Struggle...

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  • AntoMac
    AntoMac Posts: 2,768 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Keedie said:

    You're all very right, I do put a lot of pressure on myself. My whole therapy session today was about setting boundaries and how to be kinder to myself and carve time out for me. Not something I am very good at. But I am more than willing to learn...

    I think you illustrate a good point in the bit I’ve copied Keedie.

    Your therapist has mentioned trying to be kinder to yourself.  In the very next sentence you say it’s not something that you are very good at…… Thereby immediately not being kind to yourself by putting yourself down!
    How about recognising the great progress you have made. You managed to get your time away in Brighton and you have incorporated some of your son’s time at your Mum’s and not always at home with you. Both examples of you being kinder to yourself, so maybe give yourself a little bit of credit?
    You can’t help looking out for others so being kinder to yourself isn’t always easy, but looking out for others isn’t exactly a bad character trait eh?
    Like you I am my own worst critic, so I feel a bit of a hypocrite pointing these things out to you  :) I’m pretty good at ‘do as I say and not as I do’ 😐
    Im sure part of you does recognise how far you’ve come and how well you’re doing.
    The good thing about your vast HR knowledge is you know the rules, and your entitlement to 4 weeks of parental leave.
    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
  • My nephew learnt how to build websites. He is doing very well for himself now, so its definitely a skill that will be useful in the future. I'm sure you'll do well and fit it all in. 
    Making the debt go down and savings go up

    LBM 2015 - debt £57K / Now £28,524....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
    .

    Studies/surveys  September £12.02

    Decluttering items 1192/
    2025
    Books read    16
    Jigsaws done  11

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


  • Keedie
    Keedie Posts: 2,872 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Yes that's what I'm hoping @Makingabobor2, that the skills will help me to do these things for myself and with the courses that I am doing, I will be able to have a diverse freelance income, because I will know how it all works. 

    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
  • Love the quotes above 

    to add to stress DD has split with boyfriend but she ok and her interview at sixth firm went well but she changed a subject she originally wanted 🤷‍♀️ kids eh 😂
  • I hope you get the parental leave at the time you want. Like you said they have 4 months to sort out what they are going to do 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Keedie
    Keedie Posts: 2,872 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Glad the interview went well @Crazycatlady2 but shame about the boyfriend split 🫣. Hopefully it doesn’t throw her off course. 

    Yes fingers crossed the parental leave gets approved @Sarahwithlove. My manager responded to my email and said she’d raise it with the Deputy Director. She thanked me for “explaining” my reasons. Which were exactly the same points I’d raised in our meeting! But I guess the points have to be acknowledged when it’s put in writing… 🙄. 

    I managed to put £19.50 in my sealed pot and was all excited. Then I realised that I could have put £19 in the #19 envelope of the 52 Week Envelope Challenge. Oh well. I need to remember it next time. 
    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
  • Always better to do it in writing as then it has to be acknowledged and you know they have seen it. 
    *Dad loan - £5300 - £7200
    *Virgin Credit Card - £3552.50 - £0
    *Natwest - £1828.35 -£0.00

    Barclaycard - £2315.25 - £0.00

    Creation Finance - £960.32 £840
    *Total debt - £8040/£11641.17*


    Savings
    *Savings Buffer - £100/£1500
    *Emergency Fund - £1500/£1500


    New diary- https://forums.moneysavingexpert.com/discussion/6474943/the-three-cs-coffee-clothes-credit-cards/
  • Keedie
    Keedie Posts: 2,872 Forumite
    Ninth Anniversary 1,000 Posts Photogenic Combo Breaker
    Definitely @Sarahwithlove. But she pretended that she had no knowledge of why I had asked in the first place that irked me.

    But the main thing is that I've put it in writing and hopefully they won't be very difficult. Especially as the work that they've lumbered me with, that they don't know how they'll cope in my absence, is not even in the revised job description that they gave me! 🤬

    We'll just see how it all goes...
    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
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