Journey North to Debt-Free and Become a Saver

Cousin_Creditor

Thank you for the kind words. I did download a daily journal app for my phone. I used it for a few days before I lost my job. I think I will write down one positive daily. It might gather momentum. 

Take_a_hike_Elon_and_Jeff

Cousin_Creditor said:

Thank you for the kind words. I did download a daily journal app for my phone. I used it for a few days before I lost my job. I think I will write down one positive daily. It might gather momentum. 

you are welcome, we all in this mad circus together for different reasons but we will all outsmart them and be stronger and better! Please don't ever feel you are alone if you hit a low remember there is the Samaritans to call and it doesn't necessarily have to be a low they are there to help to help.
I find "u tube " helpful, admittedly some nutters but some really good people who offer really good motivation. One guy I like he's called Joey Schweitzer and his channel is called Better Ideas. I like his channel it motivates me I wouldn't say I take on everything he shares but I try to pick up a few things and it helps me. 
I personally find avoiding social media i.e IG makes me feel so so much better.
I'd say coming here today and being so honest is definitely a positive one for your journal it doesn't help just you but others on here who share very similar challenges so also a good one but it's not for me to decide. I'll leave you in peace and wish you a pleasant evening and good rest. (they also say writing down a daily positive or positives really helps for a good nights rest)

badmemory

Hopefully you will get counselling soon as you seem to have a lot of negative feelings & people in your life.

One debt related comment I would like to make is please pay your ground rent as a priority.  Unless things have changed (which they may have done) it used to be possible to take a property from someone if it remained unpaid.

Cousin_Creditor

badmemory said:

Hopefully you will get counselling soon as you seem to have a lot of negative feelings & people in your life.

One debt related comment I would like to make is please pay your ground rent as a priority.  Unless things have changed (which they may have done) it used to be possible to take a property from someone if it remained unpaid.

Yeah this is my intention. 

My receiving counselling is subject to a waiting list. I don't know how long it will be but aye I could do with it. 

Cousin_Creditor

Ok it's past midday now and I still haven't been given a start date. I was hoping I would have been by now and I was hoping the start would be tomorrow evening. But there you go. 

I'm a little concerned that it might go belly up and I won't get a start date at all. That maybe that it's a punishment because I didn't go in and cover a shift last week. The problem there was safety boots. I don't have any safety boots so I couldn't work. It was somewhat annoying that I was asked to work at such short notice less than 6 hours after my induction was completed. 

I've been given some bad news about counselling as well. The firm are still picking up clients from August 2023 and I signed up during August 2024. I don't know how that plays out in real terms but I presume counselling is a long time away.

I have an appointment today, however, with the NHS Stop Smoking Service. Smoking cessation, at least, is a step in the right direction and will save money.

Cousin_Creditor

Ok I've got a prescription for four weeks worth of smoking patches. I should be getting them for free on UC. I pick them up on Thursday and begin the no smoking on Friday. Yep.

Cousin_Creditor

Things have gone ever so slightly turbo. I am very much claiming universal credit, I am trying to claim housing benefit to pay the service charge that goes with my leasehold and I am on a payment plan for the ground rent.

The job I was offered seemed to be ad hoc in the end. They got rid of me after one shift because they said I was too slow. I feel like I was messed about somewhat. Although possibly I entered the new job without the correct mind set. I was somewhat lethargic and I feel like the supervisor noticed. Perhaps other staff noticed. 

I am continuing my job search. I have agreed a reduced payment plan for my mortgage and as soon as my universal credit is in I will begin a Token Payment Plan with StepChange. 

My priority bills are up to date with the exception of £27 mortgage arrears. I will clear that amount tomorrow with my wage for my one shift I did at my "new job."

Lol.

That's the best I can do for now. 

Cousin_Creditor

I forgot to mention I have downloaded a budgeting app that links to my mobile banking. This will help. I want to see the damage that smoking has done to my bank account over the years. I could use those savings to pay my debts.

Also, I started wearing a smoking patch this morning. I haven't smoked today. That is a saving eh. 

Cousin_Creditor

I'm also expecting to tank completely today regarding smoking cessation. I think at least today I will be smoking because I am so stressed. I think possibly I will also drink. 

Karonher

Try ro do something that will prevent that. Go for a walk or work on a budget Something that will keep you occupied.