In pursuit of happiness...for real this time! Donner_kebab's debt diary!

beanielou

Sounds fab to me.
think its a good idea to go for one of the wee ones next.

donner_kebab

Heya everyone!

Man, feels like I haven't been on my 'puter for AGES! I have been busy looking after my poorly boyf all last week and then this weekend I got the chance to let my hair down and hooled up with my brother and a load of his work mates to go paintballing! To say I was pooping myself was an understatement as I was in a right ol' state! I have to say I had the best day for a very long time, one of those times where you spend all the day laughing...and I really needed one of those days! Also managed to tackle the motorway for the first time too...what a difference that makes! Takes nearly 30 mins off of my time to drive to see the folks! I spend Saturday night with my dad and have been chilling today and being a bit lazy!

Am feeling a lot more upbeat today as have managed to clear the Virgin card! I have decided to sell my tickets to go and see the Ting Tings on Tuesday, as I really cannot be bothered if I am honest! And that money, along with this months payment, has managed to clear the card! When I logged onto Virgin online card account thingy, it says that I may be anle to get some sort of special BT offer...so my plan is to wait till the end of the week when the money has cleared the account and then call them up and say that I am going to close my account but first wondered what they could offer BT wise...worth a try I suppose! Would be fab if I could get a special BT deal! As could pay some off some of the HSBC debt! Once I know either way, I am gonna do that snowbally thing!

Hope everyone is well! I am starting to think of Xmas shopping already and cannot believe it is October! Want to try and be a bit more planned this year! I have sorted all of Emily's birthday pressies so that is all good! It is her birthday in a few weeks...12 years old...eeeeek!

Then my birthday next month where I am a huge 29! Double eeeeek!

Righteo...in an attempt to be a bit better organised, I am gonna do the ironing for tomorrow! And get off to bed!

Nighty night everyone!

sallyx

Hope you are ok Donna haven't seen you on here for a while

boredofbeingathome

I don't know, she gets a car then beeps off and deserts everyone...Are you ok Donna?

donner_kebab

Heya guys,

Yep I am ok...just been having a right crazy few weeks and getting a bit down about this whole money lark...

It's mad how sometimes I can be soooo upbeat about it, thinking of how far I have come and how soon it will all be paid off and then I can go completely the opposite and get on such a downer about it and think that I am soooo stupid for getting in such a mess and how it feels like I will be paying it off forever and how I feel like I have no life other than going to work and then coming home to this crappy house and spending all my time here as I have no money to do anything with.

It is also starting to hit home that I will be 29 in just over 2 weeks and have been stuck in this house for soooo many years and how all the people I was at school with, are all settled down, living with their partners, kids and married etc and they all have lovely homes and lives and I am stuck being a single mum with no mates etc going out of my mind.

Things need to change but I really have no idea where to start. I feel completely overwhelmed at the moment, it's awful.

I need some help, someone to come over here and give me a kick up the backside and sort everything out! I am worried that I cannot do this alone anymore and I am fighting a loosing battle.

Still trying to work out which card to hit next. I have 4 left now, the 2 small ones which are Lloyds and M & S which are at about £1400 and £1900 respectively. Then the biggies, the 2 HSBC's which with all the horrible high interests and high payments are totalling about £10,500...that is soooo depressing. Part of me wants to attack the smaller ones, paying minimum payments on the 2 biggies and I reckon I can have them paid off by April next year. Then I will only have the HSBC ones and also only have 1 year left of the Cahoot bank loan which costs me £175 per month. Gawd party time when that gets paid off I can tell you!!!

Sometimes I wish that I lived with my boyf and that I could share this all with someone as I feel really alone

I have this week off of work and really don't know what to do with myself which is worse I suppose as more time to dwell on stuff. Emily has yet another party tomorrow afternoon so lucky I have the car to taxi her over there...her birthday went very well and as per usual, she got everything she wanted!

Anyhooos, off to take a looksy at some very cheap menu ideas if I can find some. I have put on a bit of weight again and really want to shift it so that I can fit into my clothes properly. That is one place I really need to cut back on, the food.

My bike is finally paid off next month from the bike to work scheme that I have been on and one good bit of news is that I got my 5% rise in my wages as the University has homoured paying everyone. So that is all good.

Hope everyone is well and doing better than I am! I know I shouldn't moan really as am healthy and have a beautiful family etc and I am lucky but I just feel so down xxx

boredofbeingathome

You have done really well so far Donna. I wonder if there is anything else Martin may have said about high interest cards and if you can transfer them anywhere else?
Glad Emily's birthday went ok, and i am sure your birthday will be the same. Just think of how quickly time has gone..all be over with soon. x

Keeping_Motivated

Hi Donner

Sorry you are feeling so down. Its 'normal' I guess to get down about debt as many do on here. I also wonder if the reason you got in some of your debt (your ex) is linked to why you get so down? As in its wasn't just being frivolous it also represents a really awful period in your life? I could be totally wrong of course so feel free to totally ignore all that. If you think its correct to some degree have you thought about maybe getting some support to help you move on maybe via counselling?

I still think you have done amazing but its not great to feel so alone xxx

donner_kebab

boredofbeingathome wrote: »

You have done really well so far Donna. I wonder if there is anything else Martin may have said about high interest cards and if you can transfer them anywhere else?
Glad Emily's birthday went ok, and i am sure your birthday will be the same. Just think of how quickly time has gone..all be over with soon. x

I can't seem to get anywhere to transfer the dam things! I think what I need to do is cancel all of the old cards and then apply for a new one in the new year? That way they will think I only have 3 as opposed to 8! Hopefully that will go in my favour?

This year has gone fast but then I keep thinking I have about another 2 years worth of this to go...I suppose I am nearly 1/3 of the way through and that is something. xxx

donner_kebab

Keeping_Motivated wrote: »

Hi Donner

Sorry you are feeling so down. Its 'normal' I guess to get down about debt as many do on here. I also wonder if the reason you got in some of your debt (your ex) is linked to why you get so down? As in its wasn't just being frivolous it also represents a really awful period in your life? I could be totally wrong of course so feel free to totally ignore all that. If you think its correct to some degree have you thought about maybe getting some support to help you move on maybe via counselling?

I still think you have done amazing but its not great to feel so alone xxx

Just seems mad how it can take over my brain the way it does...I long for the day when I am out of this mess and I won't have to worry all the time. Yep it does represent a very painful part of my life and I suppose the more I think about the mess, the more it hits home and makes me remember why I am in this mess in the first place

I need to make sure that I keep coming back on here as we are all in the same boat and at least here people understand what we are going through xxx

donner_kebab

My dam gas and electric have gone up by £15 per month....grrrrrr! I need to make sure I switch all the dam lights off etc and turn the heating and water off as soon as I can to try and keep the price from going up again. Completely mad as it is only me and Emily here and that £77 is a HUGE amount. I remember when I started living on my own at 16 I was paying about £35 a month for both...crazy!