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Feels like im going under!

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  • Makingabobor2
    Makingabobor2 Posts: 4,200 Forumite
    1,000 Posts Second Anniversary Photogenic Name Dropper
    Good post @foxgloves. I sincerely hope that @NiteEyez1980 is reading these replies now. Think we are all worried about him and it won't end well unless he takes action now, not in a few weeks or months, but right now. 
    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  £500/£3000
    .
    Fiver Friday '25 #10 £15

    Studies/surveys  July £72.46

    Decluttering items 754

    Books read    12
    Jigsaws done  8

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


  • stymied
    stymied Posts: 655 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    It sounds like it might be too overwhelming to think about / try to solve everything at once right now. Is there 1 small thing that you could set as your goal for tomorrow? Even if it’s as simple as take the children to the park, or fetch an extra pillow from the house you’ll feel good having accomplished it x
  • Abbafan1972
    Abbafan1972 Posts: 7,148 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi guys

    To the question on what i/we have cut back on:

    Shop at Aldi/lidl
    I use soap for washing, and safety razor etc for shaving (no fancy brand stuff)
    Do not go to pub
    I do IF (for health reasons) so save on breakfast.
    No longer those 'costas' each morning at work - use Aldi coffee
    I'm also a qualified PT, however my workout are done exclusively at home now, no commercial gym (or any gym) 
    Social excursions (stag nights, work do's, trips away with friends have been curtailed/declined) 

    I know this is an old post, but have started reading from the beginning. 

    What is “IF” please? 
    Striving to clear the mortgage before it finishes in Dec 2028 - amount currently owed - £26,322.67
  • lillypoo
    lillypoo Posts: 309 Forumite
    Fifth Anniversary 100 Posts Photogenic Name Dropper
    Hi guys

    To the question on what i/we have cut back on:

    Shop at Aldi/lidl
    I use soap for washing, and safety razor etc for shaving (no fancy brand stuff)
    Do not go to pub
    I do IF (for health reasons) so save on breakfast.
    No longer those 'costas' each morning at work - use Aldi coffee
    I'm also a qualified PT, however my workout are done exclusively at home now, no commercial gym (or any gym) 
    Social excursions (stag nights, work do's, trips away with friends have been curtailed/declined) 

    I know this is an old post, but have started reading from the beginning. 

    What is “IF” please? 
    Intermittent fasting I think
  • poppy811
    poppy811 Posts: 540 Forumite
    Part of the Furniture 500 Posts Name Dropper Combo Breaker
    Well said lady holly. Time for a fresh start.  I know it must feel overwhelming but just start the process. You deserve better
  • MissPennySave
    MissPennySave Posts: 421 Forumite
    100 Posts Second Anniversary Name Dropper Photogenic
    edited 23 May 2023 at 10:44AM
    I've been following your journey from the start, and it breaks my heart to read what you are going through right now.  You are doing your very best to fix a tough financial situation, which was never your sole doing, but you have taken it all on your shoulders.  Having been in a similarly controlling relationship, albeit many moons ago, her behaviour is not acceptable, no ifs or buts.  Only you know what your are willing to do to make yourself happy, but I think the time has come to put yourself first, however hard that may be.  You have a lot on people on here behind you and supporting you so you are not alone. I wouldn't be surprised if you find out you actually have people routing for you from your friendship circle as well, even if you think they are her friends.  Quite frankly it surprises me that with the attitude she has that she actually has any friends, I'd say she is more than likely manipulating those friends and friendships as well! Sending a ton of love and strength your way.  MPS.x
    November 2022 - £46,626.96 / May 2025 - £5,970.00
    Debt paid off so far - £40,656.96 (87.19%)

    Current Challenges:
    #10 DFBXMAS25 £8670.00 / £15120.00 (57.34% paid off) 

    Completed Challenges:
    #15 DFBXMAS24 £16972.80 / £14000.00 (121.23% paid off) COMPLETED!
    #41 DFBXMAS23 £14751.96 / £12000.00 (122.93% paid off) COMPLETED!

    MissPennySave's Debt Free Diary - DFW Diary
  • EssexHebridean
    EssexHebridean Posts: 24,424 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    stymied said:
    It sounds like it might be too overwhelming to think about / try to solve everything at once right now. Is there 1 small thing that you could set as your goal for tomorrow? Even if it’s as simple as take the children to the park, or fetch an extra pillow from the house you’ll feel good having accomplished it x
    This is such a good plan. I can absolutely see how it might feel completely overwhelming to try to put things right when you are starting from a place of them being so out of kilter, but it really is important that you do make a start on re-establishing a proper order of things. If not for yourself, then can you try to make some changes for the children - it must be incredibly distressing for them this current situation.


    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    £100k barrier broken 1/4/25
    SOA CALCULATOR (for DFW newbies): SOA Calculator
    she/her
  • I haven't commented on this thread before but first of all I wanted to congratulate you on your achievements over the last decade.  You're awesome!  Secondly - get out of the shed and back in the house - NOW.  It's your house.  Separate room; sofa whatever, but not the shed.  That's just not right.  Put your foot down - please.  What do your children say about you having to sleep in a shed??  
    DF :grin:
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