Always_Amazed's New Year; New Diary

always_amazed

Just feel really low. Still havn't booked my tickets and just can't seem to pull myself together to do it.

Am still reeling from the other day. I can't really discuss it until I have everything sorted with the creditors as I don't want to jump to any conclusions.

But it does mean I'm going to have to considerably cut back on everything I was doing. I do feel so low and want to cry about it all; it might mean I won't be able to go to college next year as I had planned. I just don't know; I really don't. Thing is this tearfulness could just be PMS!!!
And I've dealt with it as responsibly and honestly as I could so I have to be pleased with that.

Anyway I suppose no one said this would be easy. I'm lucky as I have so many fun things to look forward to in February and March and no one can take them away from me.

And I'm learning budgeting lessons that will stick with me for life

always_amazed

Again a little down post from me.
I can't really beleive the events of last week. Can't seem to cry and I think that would help. I know it's only money but the manner of the DCA people is so horrible. I pleaded with them to listen and they were so rude. Things like 'you are young why can't yo uwork more' and 'can't you borrow money off family' etc etc. Just hope I can deal directly with original creditors as they are not like that in the slightest. So glad person I spoke to there was so kind and helpful.
But it's the first time in my life I've wished I wsa back in hospital just so they couldn't get hold of me

Little_Pickle

Hi AA,,
come on now lass... pick yourself up... you're doing well darling, honest you are... try not to worry so much!

You could always try doing what I do... work out your budget in excel or whatever, then work out how much you've got to spend each week.
draw out that money last thing on a Sunday night, then give your cards to your mum / freeze them in the freezer or something.

Once you've spent your 'allowance' then that it's until the next Sunday...

Do you think you could maybe do that?

Don't be down... have a hug... ((((AA))))

LP
xox

always_amazed

Thank you!!
Been away for a few days from MSE; had a lot of other stuff to catch up on which was good fun (though a bit expensive but didn't break any banks and was budgeted so thats okay).
Still havn't heard anything from DCA re stuff from few weeks ago; I'm quite okay with that as they can't really demand payment off me this month now; seeing as they and the original creditors seem unable to get their bottoms in gear to work out what is going on!!

Just need to get money off my bro for internet and last night's borrowed sums; and as long as I do that as soon as possible it won't get forgotten.

Do intend to get right back in here with MSE; think I'll come back properly on friday! I'm not off spending everything I have; don't worry; just a bit tired with so much on

**Amy**

Glad to see you back AA. Take a bit of time to rest and relax and then come back full force on Friday (I will be expecting you as I have no life :rotfl: ).

Take care

x

Sassamac

Hi A_A,
sounds like you're making progress, given how hard it is to bust debts when you're earning next to nothing.
What exactly is the situation with your health, working, family circumstances etc. (dont mean to pry, just interested and we may be able to help more if we understood). I just read a very brief bit of your last diary and I think the idea of moving back in with your family, concentrating on your health etc. is a good plan. Its much easier to these things when you're younger and then start afresh, than struggle on in poor health and suffer in the long run.

always_amazed

Hey there; thanks for those replies! So sorry I've been neglecting my MSE; my 'real life' got in the way a wee bit!
Will defo post more on here about exactly what is going on; but again I feel everything is on hold until I can get this other debt under control.
xxx

always_amazed

Phew;

Well think I'll pop a bit more in this diary!!

I've been away for a while... had to take my holiday from work, so went away with family, was lovely! Spent very little and had budgeted for it so that was fine!

On the downside; I got ill when abroad so my holiday got 'extended' with a stay in hospital!! With hindsight it was probably why I spent so little! Was a little down at that but hey ho!

Also; I fought off the horrible DCA I was having problems with, and have had the debt passed back to the original creditor.
That was the reason I was away from here a lot before my hol; I had a lot of letters to write, and thankfully they have payed off! I still can't beleive the DCA's attitude... sending me letters threatening collection agencies etc. when they KNEW I was in my local hospital having god knows what pumped into my veins to keep me going!! Thankfully the original creditor was very helpful and is taking the DCA to court now over lengthly and repeated 'incompetancies'. The original creditor is my university.... I didn't know this till a few months ago, but I actually owed them 1 years worth of tuition fees!! Due to the collections dept and DCA being really silly; no one had informed me of this ever.

Anyway it's all pretty much water under the bridge now; I pay a small amount each month; which I can easily afford; and in the meantime I chase up the awards agency who were meant to pay it.

You see; I left uni with my degree; but not the masters I had applied to do. I left due to illness. In the SAAS fine print (the agency that pays tuition fees for scottish students) thy don't have to pay if you leave without the qualification you applied to do. In the case of illness; they decide each case individually. Now; I wrote to them explaining everyhing back in 2006; and heard nothing, so assumed it was all fine (they never usually notify you of anything).

So now I need to write to them again, and hopefully they will pay up; and I'll get what I've paid already back!

PHEW.

The whole thing really stressed me out; and then getting ill on holiday was the icing on the cake, but I'm chilling out now and getting back on top of everything.

Will be back soon for more practical MSE tips to get me back on the wagon!!!

always_amazed

Right; as it's the end of March I thought I might post a quick update of how I've got on this first quarter.

The last three months have shown me that I have the ability to cope with unexpected things, that the more I immerse myself in MSE the smaller the risk of me spending, that I have got to the end of Feb & March with ££ still in the bank, that I've finally opened an AC for internet, that I can and MUST keep a spending diary, that cashback sites work, and that I can do things if I put my mind to them!

phew. With that in mind, my aims for June- April are:

To write to as many people as possible to sort out the above situation re fees.
To make a proper budget and stick to it
To get my head around a daily click routine so I can make money
To larn how to Matched Bet
To keep a spending diary and REGULARLY review it.
x

always_amazed

Okay, it's the beginning of May and I thought I'd update my diary a bit;
Well all I've done this month is got adaily click routine going, to the best of my ability with my lifestyle and it's complications, and I've learnt (but not yet done) how to matched bet.

I STILL haven;t kept a spending diary properly, I'm being so silly about that, and I still havn;t got these fees sorted. Tehy are hanging over me so much and I'm really going to try to tackle them tomorrow.

I'm going to do a proper update including all debts paid etc. once my statements are all in and sorted. And maybe do a new updated SOA.

But a good thing is I have over £100 pending in my cashback sites!!!