Realisation Moment...My God How Did I Get Here???

DisillusionedAnna

Ras thanks for the info most helpful am trawling through all the info im gathering...

The debt bustins going ok and the food budgets holding ..just

British Gas and there leccie and gas rises 15% eeek caught me unawares, god knows what the local councils rent and council tax rises will be
My wages are not going to rise in comparison to 15% or even 5% ah well we have to manage, one good thing the waistlines benefiting.

The CSA and I are buddies at the moment, I need to go and budget for some cheapo decorating ideas, Freecycle beckons, think I need to learn to sew and find a cheapo sewing machine, why oh why did I never listen and watch my gran/mum when they offered to show me how to... ah well least I can learn.

Ok hope your all keeping well....I have a day off at last so am going to do a no spend mooch around the shops in town and see whats what in the decorating world and go into the big newagents and flick through those oh so expensive magazines lol . Plus theres some real posh charity shops in town and have not been in them for ages.

See you all soon

Anna xx

DisillusionedAnna

Been round shops woe is me I spent some money on some choc and stopped myself from buying out Morrisons .....hope your all well this evening

xx

bountiful

Hi Anna - I am so glad that you have started getting the practical support and help you need - isn't it amazing how much better it feels once shared - people are great once you reach out. I've just started the journey of tackling my debts too..... I haven't been through what you have - but I know all about over-payments from Housing Benefit, Working Tax Credits etc - and I call them all 'debt creation schemes' - I have been paying them back for about three years - how they can take money away from people they are only giving subsistence to just defeats me! I am on a low income, single parent etc accumulated 10,000 debt and falling deeper each month. Finally did the calculations etc - and the snowball calculator told me it would take me 100 years to pay off my debts! Isn't that precious!!!! Anyway, New Year, New Determination to get my bloody head above water and stay on top! Will watch your thread with love and compassion.

DisillusionedAnna

Bountiful hello

Thanks for your post...yes overpayments are a pain:rotfl: :rotfl: in purse and bank acct.

My debts about £7000 maybe not a lot by comparison of some of here but I had to sort myself out before I got in any deeper and at least there not growing anymore but the payback rate will be a trickle and at least its not increrasing.
Ive taken the advice of some of the great folk on here, and the Old Style Boards brill!!:j :j Ive pinched loads of ideas of there, blown the dust of my slo cooker and steamer and use loads of the recipes and some kind folk have sent me some PMs with places to get info about unis and courses and though I had thought of going in Sept 2008 I may leave it till 2009 and as you say get my head above water and not just treading it.

Tommorow Im off to raid my posh and well to to do sisters garden shed and under stairs cupboard for her spare paint lol:D and as she has recentley changed her curtains and cushions etc I shall hint hint ...Im always 2 fashion trends behind:rotfl: its cheaper that way .

Am off to read the other posts
Keep in touch...sharing the Debt Free journeys good when we all have each other to prop each other up .

Bye for now
Anna xx

happycrystalmaid

Anna,
you'll have lots of support on here, but do you have good pals/relatives nearby for support as well. I hate to think of you on your own trying to sort this. I live for my daily happy pill - and thats with a fantastic hubby.
Hope you get it sorted hon xx

DisillusionedAnna

hi happycrystalmaid

thanks for your post yes i have a group of real good friends and a lovley special pal called Malcolm who has been letting me use his computer since me and AOL and BT parted company.
my friends have been with me from day one right from the awful seperation to this day...most are people that are in the same boat as me, but we have all stuck by one another through thick and thin for the last 4 years or so and we would do anything for each other, such friends are the basis of what got me through the dark times and they talk to me openley and honestley..no pretence:rotfl: :rotfl: :rotfl:

since i got into debt i realise that the best thing i can give my friends costs nothing and thats time, time thats been well invested and returned many times over. they know all about me, infact too much :eek: :eek: :eek: :rotfl: :rotfl: :rotfl: :rotfl: but as i have nothing to hide im glad we have this so open friendship, they know when im down and when im happy and when to leave me alone and to be there....and there inputs well funny helpful, sometimes a bit near the knuckle but thats the easiness of real friends, my days have been easier and made lighter by there insight into my situation and we can only grow as friends in the future, i feel truly lucky to know these folk ( and if you lot are reading this dont get bigheaded ok!!!)

Also finding this site and the support and reading other probs makes me realise that nothing can be so bad that it cannot be sorted, just by reaching out and touching and making contact the best thing i ever did and today and tonight I truly never thought Id see the end of Jan 2008 but here I am, and thank goodness I am here cause lifes good..skint but good and can only get better :beer: :beer: :beer:

lotsa warm hugs and wishes to you all

A nna xx

DisillusionedAnna

Morning

Weathers awful here in Staffordshire...wind and loads of rain, all the trees are bending in the wind, for once the weather forecasters have gotten it correct:rolleyes: :rolleyes:
Have a good day all

Anna x

churchrat

hi
have just read your thread and all I can say is:eek: and:T (I always did have a way with words).
like you I never learnt to sew, Diy etc either, always paid attention inschool and never got into the really useful classes and now I can't even type. I really wish I could make things, it would really help this DFW business. I think they should teach kids stuuf like that in school, instaed of French, although after 30 yrs I can still tell you what I have in my pencil case and that my sister has brown eyes, so it wasn't a total waste of time. You never know when you might have to tell a complete French stranger what your close family looks like! The weather is really c!!p inKent too, so might not go out just yet.
have a good day
cr

DisillusionedAnna

hi churchrat

yep i loved school, just wish i had taken more notice.
my cookery teacher Mrs Robinson was quite inovative (posh word ) she tried to install cookery budgeting and real life skills in to us, and some of it has come in real useful the last couple of years

as for french well, i can ask for the toilet and the time quelle heure est il?? and thats it..gid if only i could turn back time and be 11 again and know what i know now, id be such a wonderful student and not the drip I was , still im sure we all with hindsight would have done better if we had known the future.
On the plus side Im useless at typing and my spellcheckers gone on strike, and Im going to have a go at shortening some curtains tonight on my ten quid leccie sewing machine I just bought os someone, just have to figure out how to thread it lol and then I can be the new creative moi.
Now all I need to do is learn to knit and everyones gonna get scarves for Xmas 2008

Best wishes

Anna

boredofbeingathome

Hi anna, i have read your thread and have to say well done for your decisions in life so far. My sister was in the same position as yourself a few years ago, and through the same determination she now has a good life and two wonderful kids and a great hubby. It can be done and i know you will triumph in the end.