Slaying my Debts

Buffythedebtslayer

I have had a headache for about week and I am so tired of feeling crap. any one know of any good headache cures?


and I had an idea, I pay into a pension scheme - 174 pounds per month.

I am 32 and I was wondering if I could opt out of the scheme until I pay off my debts?

roughly speaking I want to pay a thousand pounds off every month. the 174 would make this easier.

my head hurts. so what do you think?

it works out to be 3654 over the 21 months. in fact using it on top of my current plan would cut my DFD back three months I think

xx

Buffythedebtslayer

ok I am going to opt out of the pension. and now go to bed cos my head so bad. not doing any thing all weekend, jst sleeping and relaxing.

so there.

also having a crazy plan of being DF in time for my 33rd birthday.

more maths is needed and possibly a street corner.

ok night alllxxxxxxxxxxxxxxxxxxxxxx

Buffythedebtslayer

just changing my signature from this

Light bulb moment - Aug 31st 2007 Debt Free Date - December 2009..... Good enough club member No.44 Going to pay off 10,000 pounds in 2008 (9,104 left) Loose 28 pounds in 2008. Sealed pot challenge 2008 no.159 4560 in year, Number 30( 4410 left)

[EMAIL="abuse@moneysavingexpert.com?subject=Reporting post http://forums.moneysavingexpert.com/showpost.html?p=9555329"][/EMAIL]

to this

I do not need toiletries, shoes, pens, bags, more pet toys or boxes.
I do need time love affection and space.

kika

Love the new signature. Did you get any snow? I was so excited cos we don't get much.

Buffythedebtslayer

I haven't posted in my diary for week or so. I haven't really been sure what I am doing to be honest.

But then something happened tonight that really made me think about my life and who I am.

I went to meet a friend for a drink after work, she is lovely one of my oldest and best friends. We had a good chat over dinner and all was well. In fact it was great seeing her.

We then went to met some friends of hers in a pub and well this next bit may sound a bit weird! but any how.

I stood in this dark badly decorated pretentious "pub" full of trendy 20 somethings and thought what the blody hell am I doing here. I really wanted to laugh, they all clearly though they were super cool - and who am I to say they aren't I guess I am just not? In fact I really thought sorry guys I have done theI wish I was still a student thing and I have no desire to repeat it - they couldn't have been students it cost over 8 quid for two drinks and it was too much of a try hard place.

Anyhow it made me think seriously about what I am doing. I am past those sort of nights when its all air kisses, ironic t shirts and quoting the office or reinacting some funny dancing.

I like a good night out in a pub with mates, having a chat and moan and a laugh. I don't have to prove myself to the really "cool" people anymore.


Any how I know what i want, thought about it all the way home on the train.

1. I want to move out. I have always thought i couldn't leave my Mum and I will hate to leave her alone but we are not getting on and the constant presence of my sister (we have a difficult relationship) is just suffocating.

2. I want to drive. I need the freedom that will bring.

3. I want to do well in my OU degree.

4. There is a guy, (isn't there always) and I would like to make things work with him.

I don't need to change jobs, one school is unfortunately the same or pretty much the same as the other.

I have got myself in such a mess with the loan that I can't afford to move out until its paid off so now I have finally admitted that I want to move out - just to rent that has to be my incentive to get out of debt.

there is more to write, just going to make a cup of tea first!

Buffythedebtslayer

continued

I guess I have been kidding myself that I am happy or ok with my life as it is when truth be told I really do want a flat of my own and freedom. I kid myself that having no responsibilities is good but actually I get sick of being treated like a child and an idiot, I know Mum doesn't mean it, I learnt long ago that when she is negative she is just trying to remind you of all that can go wrong and hurt you, she is constantly worried for us all and just wants to make sure we are safe. it just gets too suffocating.

So it makes all the more important to get rid of the debt, at the very least halve it, if not get shot of it completely so I can move out and rent. thats what I really want to do.

I can't keep pretending that life as it is ok, its really not.

so after a few weeks of confusion and uncertainty it took standing in a naff bar buying over priced drinks to realise that there is more to life that this and I want more!

well. I am off to bed now.

Night all

xxx

mum2one

!!!!!!!!!!!!!!!!{BIG HUGS}}}}}}}}}}}}}]

Are you ok, it sounds like youve been through the mill and back, thats mothers 4 u, mines exactly the same, Im sure they all have in built buttons to moan at us. (mental note - do not do same to daughter when shes older!!), they think thye mean best, but its not, and then its all ur under my roof.

Over priced bars, its a rip off, guess we all have our turn the switch on switch, mine b4 the money issues was when I was strapped on a spinal board with my neck in blocks, I had the switch that if I ever got out of it I was going to have a once in life time hol - (2000), lucky was trapped nerve, so next day travel agents, so 2001 was Sri Lanka and Maldives, 2 weeks b4 Im due to go it got blown up, so travel agent transferred me to Mexico, great - 2 days into the holiday was 9/11 ! (hope its brought a smile).

Guess now the brain is in overtime trying to sort out the debts etc, I know with ur workload, avon and open uni u dont get much time to yourself, but is there any chance that u can get away ova the next bank hol weekend, even if its crash at a friends 4 the ngt, dvd and bottle wine, all this debt paying takes it out of you and u need to recharge ur batteries.

Is there any way you could look at a house sharem or at least price it up, and that will give you an incentive, I know from experience that living at home isnt the best, (dont start me off.. on that one.....).

Have you done a fresh soa, that way you can at least compare what you started off with and what you have achieved, and maybe there might be another way round some money saving ideas.

The new man - that looks positive, do you good to get out and about (moneysaving of course!!!)

keep your chin up, Im always here if you need anything xx

Keeping_Positive

Hi Buffy just found your diary.

Keep going your doing well.

The driving thing is a pain I spent years learning on and off and eventually succeeded 2 1/2 years ago. It is far more espensive but so worth it. I earn a lot more. To be honest if my OH drove at the time, didnt have three kids and live a couple of miles from town I would probably have given in. I found it really hard and more often than not would cry in a lesson. Now I do over 10k business miles a year a big change.

Use this diary to vent and plan. It much better out than in!

Good luck

Buffythedebtslayer

Current debt = 19638.

Just have to remind myself now it not the sig!

Thanks for the replies, I feel much lighter today and far more focussed. Today was ok, I went to the cemetary with my Mum to tend to my Nan's grave. Its a good thing to do.

That is about it tho, my sister came round and I can't really do anything when there are visitors, drives me NUTS but tomorrow we aren't doing anything so i have the day to myself to get my room finished and my Ebay stuff started. Every penny will go on my debt. EVERY penny.

And then on Monday it will on to the garden, its hard cos my sister does it normally but to be honest they have been doing it for 7 years now and it looks no different so I am going to give a good 27 boogie and weed! so there.

and then Tuesday it will be in to work to finish off stuff, Wednesday to the dump(exciting life huh?)

Thursday and Friday should be spent working Am way behind in the OU stakes and Avon too - I should give out the books eeek!!!! actually I should do that soon. wednesday maybe.

right enough rambling for now. must make a list of e bay stuff to sell and see if I can figure out a spreadsheet in excel to use.

thanks again

xxxx

mum2one

Glad things are better, your getting there, go for the extension with ou, so far with my business, Ive had 2 extensions thats on 1st 2 assisgnments, got to get an extension for social sciences, then god knows why Ive just sugned for nxt yrs courses already!
Yr 2 law, the 2nd of yr 2 business, I want a life....... I want a life........ think thats booked in for 2011!! Got to celebrate the big 40 some how, hope to be fully debt free by March 2011, my total debt at mo 12k.