A Better Life.

Buffythedebtslayer

I jinxed it . I am never writing that again. Never

Such a !!!!!!  week. Mum was very busy and is still tired. I cocked up something major and have had major crippling guilt about it. I can't explain the guilt I feel.I am so lucky it wasn't more serious.  I am wrecked as far as Mum is concerned. I don't know how people care and work full time I really truly don't. I joined a carers group and got so depressed about the state of all the social services and whatever. You just need to be rich. That is the answer. Mum is tired from 3 pointless appointments and we are 140 down to pay for the carer to take her to the appointments (woman was lovely tho,so lucky to have found her) 

Moneywise things are also a disaster. Am considering taking money out of my ISA to pay off the loan and the other debts.I doubt I will be able to use it any time soon. Suddenly I have lots of debt! Mum has messed up her online banking so hasn't been able to pay me back so the CC is getting big. 

The dogs have been a mess. One of the guinea pigs has an eye infection. Work is a mess but have had a mindset change which I am quite pleased about amidst all the disaster. 

beanielou

£140 quid for 3 appointments~~eek.
Sorry about the £££'s  xxx

Buffythedebtslayer

beanielou said:

£140 quid for 3 appointments~~eek.
Sorry about the £££'s  xxx

She is the middle rate, my sister uses posh carers and they are 25 for 30 minutes!! 

I consulted with my best friends and I am going to pay off the debt, I loathe being in debt, I feel like a failure and I am definitely losing control of the purse strings between the hospital Christmas, the new car, the vets, just generally life being expensive. I need a wake up call. 

RosaBernicia

How's your week been, Buffy?

Willowtree222

Have you finished for half term?

Have you put some plans in for you? X

Buffythedebtslayer

I had a good saturday, (lets not talk about work) not good today. Mum's hands are bad, I had a tummy ache all day. I am very poor. I did take money out of the ISA, made me a bit sad. But mum has lost access to her bank and although we have called up twice we still don't have it back. As soon as I can I will change her bank to another other! They have been useless. 

beanielou

That's dire about the bank buffy 

Buffythedebtslayer

beanielou said:

That's dire about the bank buffy 

It is. 

I made the decision to BT my regular card. I am in SO much debt suddenly. Mum does owe me about 550 I think and I am due refunds. I still have such a shocking approach to money. Even after all this time. 

I am now about 6000 in debt   The loan is 3000 and 3000 on the CC. 

My big plans to be out of debt by October seem crazy now. 

I can't pay 1000 a month now. I think I will focus on the loan. I think honestly I am giving myself a break. This has been an impossible few months. Mum probably owes me more that the 550, but I lose track of it all - I do hate money and losing my second job has been a real kicker. I hadn't really accounted for all the pet stuff it covered. Plus my poor girl has has an eye infection that has taken about 300 pounds so far. 

beanielou

Oh buffy it just goes on & on

Willowtree222

Sorry to hear you're going through more things.
Go easy on yourself. You have lots going on.
X