I am not trying hard....

145791022

Comments

  • maz1964 wrote: »
    Hiya

    deliciousa and all

    thanks to all who thanked me for my post much appreciated.

    Have been to the doctors today and being referred to a specialist for my depression and stress been off work for the past 3 months, so this is the first time im admitting to this on these boards. I guess the debts have also contributed to the stress and depression just takes a hold and i cannot think straight.

    So now im off for a further few more weeks im going to tackle our debts via this forum and will ask you all to throw your comments at me, am willing to change things and learn to adapt new things.

    I will start a new thread with my SOA request and then ill take it from there and start my journey and would like to ask you all for your help.

    I believe today is the first day for the start of my recovery in more ways than one, mentally and financially will be a great start.

    Thanks for listening and will save this thread for future reference.

    Hope to get to know you all better pretty soon. Appreciate your kindness.

    Take care all, and have a fun evening
    ciao for now MAZ

    Hi MAZ, make sure you link in your SOA thread so we see it! Good luck!

    Please try getting better, tackling your debt is a battle, you need your strength!! I find that when I feel ill, I tend to spend more money to make up for the bad feeling with some "instant sugar" to make me happy. and anyway, you need to be healthy, please take care of yourself, eat a lot & all.

    Congratulations on your first day of recovery :) I count mines from Sunday, my REAL Lightbulb moment - so I am on day 4 :o

    Keep us posted!!!
    Total debt £3625.07. :o
    Goals: 1.) DFD December 2008 (snowball) / October 2008 (me:o ) 2.) Salary £30kpa (currently £26450pa) 3.) Slim down to 55kg (currently 68kg :( ) 4.) Start stoozing :j
    I do not NEED that DVD Tough love club Member #1
  • Emmy_L
    Emmy_L Posts: 165 Forumite
    This has been a fantasic thread to read!
    Good for you Deli!!!
    you have made me realise that i am not really trying very hard when it comes to saving OR repaying money.
    Think it's time hubby and I had a bit of a sit down and discussed the finances...
    "I reject your reality and substitute my own"-Mythbusters:D
  • CAFCGirl
    CAFCGirl Posts: 9,122 Forumite
    Photogenic Name Dropper First Anniversary First Post
    Del'

    I printed your first post off from work today and re-read it in the cold heart light of day and it still struck the same if not more chords with me..So again I just want to say a massive thankyou to you for having the courage to post this, and as you've seen touch so many people with the sentiments in it...

    I actually felt a little bit ill thinking and looking back to all those times when I convinced myself it was ok to spend, and I deserved it for making my monthly payments. When fact is what I really deserved was to pay more off those pesky credit cards, and what I deserved was to pay back every penny I borrowed... I've spent it, now its time to pay it back before it ends up costing me too much!

    I've actually stuck your thread print out inside my hand bag, which covers my purse (only a little change purse) so my hand touches it every time I reach in there for some money and already I can see it really working in the way of hitting home with me just how easy it is to deceive ourselves about wants, and how deluded I am to what it is I actually need...

    I need to be debt free..... I dont need that DVD :)

    Thanks once again, and wishing you much success xx
    Manifesting Abundance in 2023
    Fashion On The Ration 2023 36/66
  • Emmy_L wrote: »
    This has been a fantasic thread to read!
    Good for you Deli!!!
    you have made me realise that i am not really trying very hard when it comes to saving OR repaying money.
    Think it's time hubby and I had a bit of a sit down and discussed the finances...


    Good luck! Did you do the sitting down? How did it go? :)
    Total debt £3625.07. :o
    Goals: 1.) DFD December 2008 (snowball) / October 2008 (me:o ) 2.) Salary £30kpa (currently £26450pa) 3.) Slim down to 55kg (currently 68kg :( ) 4.) Start stoozing :j
    I do not NEED that DVD Tough love club Member #1
  • Hi!

    I am so glad my post helped you as well (it def. helped me!) and it means a lot to me what you have just said.

    Maybe we should start a "I don't need that DVD " club ;) :j weekend is coming at it will be hard as sundays are usually lazy dvd-days so I need to be strong here...

    I have re-read that post and I got all sentimental, too - it's so good to see all these positive reactions to it. Finally I have contributed with something to this forum, which has given me so much....

    Good luck to you too and keep me posted :T :j :j :j (I love these icons)

    x x x xDeli
    CAFCGirl wrote: »
    Del'

    I printed your first post off from work today and re-read it in the cold heart light of day and it still struck the same if not more chords with me..So again I just want to say a massive thankyou to you for having the courage to post this, and as you've seen touch so many people with the sentiments in it...

    I actually felt a little bit ill thinking and looking back to all those times when I convinced myself it was ok to spend, and I deserved it for making my monthly payments. When fact is what I really deserved was to pay more off those pesky credit cards, and what I deserved was to pay back every penny I borrowed... I've spent it, now its time to pay it back before it ends up costing me too much!

    I've actually stuck your thread print out inside my hand bag, which covers my purse (only a little change purse) so my hand touches it every time I reach in there for some money and already I can see it really working in the way of hitting home with me just how easy it is to deceive ourselves about wants, and how deluded I am to what it is I actually need...

    I need to be debt free..... I dont need that DVD :)

    Thanks once again, and wishing you much success xx
    Total debt £3625.07. :o
    Goals: 1.) DFD December 2008 (snowball) / October 2008 (me:o ) 2.) Salary £30kpa (currently £26450pa) 3.) Slim down to 55kg (currently 68kg :( ) 4.) Start stoozing :j
    I do not NEED that DVD Tough love club Member #1
  • Sassers
    Sassers Posts: 1,303 Forumite
    First Post First Anniversary Photogenic
    deliciosa wrote: »
    Hi Sassers

    Thank you for writing this down, it's all awful, and I hope the operation will go well! Let us know how you get on!
    Maybe you shouldn’t think about getting a second work if your debt is manageable… also you might be entitled to benefits?
    I am sure you will get through this (well done for tackling it, even tho you are dyslexic…). We are here to help! We just need reminding, I guess, what we are doing this for. For the good night's sleeps, for the extra money we will NOT pay out in interests, for our own dignity and peace of mind. You are not doing it for the banks or for the creditors, for me, for Martin or for anyone else, you are doing it for YOU!. When I lost motivation, I now have a look at my monthly interest payment, and I imagine what I wil do with that extra money. It's around £72 a month right now, just in interest!!!
    Please take care of yourself. And good luck with your action plan!!! And I don't take what you said as preaching, you are completely right, and I NEED to hear this from you, from myself, so that I don't do it again!! And it's a really good idea when you say satisfying yourself with cheaper alternatives. I will actually make a plan for this. How can you satisfy yourself with movies, without buying a dvd? (I don’t have a tv…).
    Have a lovely day!!! X x

    Hello my lovely what a nice reply! :wave: :wave: :hello: :hello: :hello:
    The operation will be alright I'm sure, and with the horrible 2007 I've had at work one way or another, I'm actually looking forward to it in a bizarre Sassers kind of way! You are very kind. :A :A
    My `second job' is mystery shopping which allows you to take a break anyway! :rolleyes:
    I'm going to use the time off to really look at changing things work-wise and homelife as well.....:j
    I'm glad you're not beating yourself up anymore - and you must tell yourself you're doing alright/ spiffing/wonderful and/or fantabulous as well on the MSE front.
    Several times over in fact !!!:D :D Everyone take note - pats on the back all round are needed I think!! lol
    I'll always be really to wave and cheer you on if you want motivation although the only butt kicking and `Mrs-lets-get-tough' is with myself!
    One thing that did make me smile was your question how do you watch DVD's as you said you don't have a TV?
    Don't blame you - I haven't had a TV for over two years! (could start a new `I don't have TV and love it' thread in The Arms perhaps?)
    Still watch DVD's though by hiring them out of the library. I also ask friends and family for vouchers and save piggy clicks and all sorts of surveys to buy them.
    I have about 20 dvd's that I watch on my computer (no TV card).
    I'll never get bored of them. Colin Firths Pride and Prejudice, The Italian job, Godfather 1&2, Gladiator.
    Other half has the Sweeney and Sharpe box sets so I borrow those as well...........:D
    I got lots of my top 20 from charity shops.
    Must admit I would dearly love the entire lot of Grand Designs DVD's but that for another day to save up for. Mind you my`screaming child' has accepted the world won't collapse if I don't have them, unlike my cravings for kebabs, coffee and fags!!! :cool: :cool: )
    Mind you I do prefer radio though and books so I'm not too hard done by :D

    I'm off now to have a spot of coffee and a fag break away from my desk

    Have a lovely day Del (waves motivational flag) have a lovely day everyone (oops 'nother long post sorry)

    Love Sassers xx
    PS: Have realised reading the thread again that although I am really bloody poor, I am contented for the first time in a long time. Probably because I can feel big changes coming again and it's exciting. My sig below summs it up and says it all.............
    Current debt and mortgage: £25, 820.35 Debt/Mortgage at start: £92,598 (27/09/2010)
    DEBT FREE!
  • SAV3R
    SAV3R Posts: 222 Forumite
    Hi, Newbie here

    I agree with a lot of what has been said in this forum.

    I don't have a large debt £1000 approx on 0% card til Jan 2009, but I know we're spending more regularly than we're earning. I need to stop this before it spirals out of control.

    I read this website frequently but am struggling finding ideas, I know that sounds unbelievalbe.

    I always take my own meals to work,
    I usually dry my washing on the line / airer
    I have joined Lightspeed, Toluna, Valued Opinions - not received many surveys, this will be slow.
    Already sold many Cd's on Amazon - not made a fortune
    Nothing to sell on EBay
    Doing 10hrs a week extra at work - although off sick with flu
    Started doing Menu plans - still spend £70 per week on groceries inc toiletries / cleaning (2 Adults/2 kids)
    Trying not to spend on I WANT IT items

    It's just so hard
  • Sassers
    Sassers Posts: 1,303 Forumite
    First Post First Anniversary Photogenic
    SAV3R wrote: »
    Hi, Newbie here

    I agree with a lot of what has been said in this forum.

    I don't have a large debt £1000 approx on 0% card til Jan 2009, but I know we're spending more regularly than we're earning. I need to stop this before it spirals out of control.

    I read this website frequently but am struggling finding ideas, I know that sounds unbelievalbe.

    I always take my own meals to work,
    I usually dry my washing on the line / airer
    I have joined Lightspeed, Toluna, Valued Opinions - not received many surveys, this will be slow.
    Already sold many Cd's on Amazon - not made a fortune
    Nothing to sell on EBay
    Doing 10hrs a week extra at work - although off sick with flu
    Started doing Menu plans - still spend £70 per week on groceries inc toiletries / cleaning (2 Adults/2 kids)
    Trying not to spend on I WANT IT items

    It's just so hard

    Hi :wave: :hello:
    You could always try One Poll for surveys, they pay out 10p-25p per survey and pay out at £50. It is slow but the surveys are almost daily and in three weeks I'm up to £12.50 already.
    Also try Yougov but this takes ages to accrue cash - been with them 18 months now and still I'm only up to £31.75! lol
    It's all money though. You might want to try doing daily clicks on Quidco. I do High Street web and Kelkoo (2 and 1 click a day =10p although there are more)
    I totally agree it is blooming hard! Keep on at it though..

    Love Sassers x x x
    PS: don't forget to check in with Pigsback and have a look at the Pigsback threads on here.
    PPS: have you tried stardrops for your cleaning and tried the Old Style board yet?
    Current debt and mortgage: £25, 820.35 Debt/Mortgage at start: £92,598 (27/09/2010)
    DEBT FREE!
  • Sassers wrote: »
    Hello my lovely what a nice reply! :wave: :wave: :hello: :hello: :hello:
    The operation will be alright I'm sure, and with the horrible 2007 I've had at work one way or another, I'm actually looking forward to it in a bizarre Sassers kind of way! You are very kind. :A :A
    My `second job' is mystery shopping which allows you to take a break anyway! :rolleyes:
    I'm going to use the time off to really look at changing things work-wise and homelife as well.....:j
    I'm glad you're not beating yourself up anymore - and you must tell yourself you're doing alright/ spiffing/wonderful and/or fantabulous as well on the MSE front.
    Several times over in fact !!!:D :D Everyone take note - pats on the back all round are needed I think!! lol
    I'll always be really to wave and cheer you on if you want motivation although the only butt kicking and `Mrs-lets-get-tough' is with myself!
    One thing that did make me smile was your question how do you watch DVD's as you said you don't have a TV?
    Don't blame you - I haven't had a TV for over two years! (could start a new `I don't have TV and love it' thread in The Arms perhaps?)
    Still watch DVD's though by hiring them out of the library. I also ask friends and family for vouchers and save piggy clicks and all sorts of surveys to buy them.
    I have about 20 dvd's that I watch on my computer (no TV card).
    I'll never get bored of them. Colin Firths Pride and Prejudice, The Italian job, Godfather 1&2, Gladiator.
    Other half has the Sweeney and Sharpe box sets so I borrow those as well...........:D
    I got lots of my top 20 from charity shops.
    Must admit I would dearly love the entire lot of Grand Designs DVD's but that for another day to save up for. Mind you my`screaming child' has accepted the world won't collapse if I don't have them, unlike my cravings for kebabs, coffee and fags!!! :cool: :cool: )
    Mind you I do prefer radio though and books so I'm not too hard done by :D

    I'm off now to have a spot of coffee and a fag break away from my desk

    Have a lovely day Del (waves motivational flag) have a lovely day everyone (oops 'nother long post sorry)

    Love Sassers xx
    PS: Have realised reading the thread again that although I am really bloody poor, I am contented for the first time in a long time. Probably because I can feel big changes coming again and it's exciting. My sig below summs it up and says it all.............


    Hello :)

    :j How do you do the waving thingy??

    I'm sure the operation will go well, just tell us when so we can keep our fingers crossed.. and if you had an awful 2007, then this year can only be better!!

    Also, let me know how the mystery shopping goes as I never really tried it and I wonder if it would be actually profitable. That's good for you, not a lot of work (at leats it doesnt sound like it) and you can enjoy shopping which is essential to everyone made of girl....

    I really dont like TV, totally agree with you.. I watch dvds on my laptop. Thinkng about borrowing, thinking about renting... but when that nice, shiny, silky brand new one is looking at you in HMV, and you just HAVE to have it.... Nay, that I DONT HAVE TO HAVE, I have to be debt free! Tomorrow evening will be the big temptation to buy dvd... I will need to concentrate on my real goal, which is NOT burying my head in the sand for an hour or so but facing my REALITY which is - DEBT, which needs to go away.....

    You have a great taste in dvds :o:o

    So what about coffee and fag. Are you planning to get rid of them? I just realised in my workplace there is a really nice cappucino machine on the directors' floor :o much nicer than the ones on every floor... :j

    So what small DFW thing have you done today? (NSD for me!!!!)

    Have a lovely evening !!!
    Total debt £3625.07. :o
    Goals: 1.) DFD December 2008 (snowball) / October 2008 (me:o ) 2.) Salary £30kpa (currently £26450pa) 3.) Slim down to 55kg (currently 68kg :( ) 4.) Start stoozing :j
    I do not NEED that DVD Tough love club Member #1
  • Hi Newbie Sav3R ;)

    Firs tof all well done for tackling your debt before it's becoming a problem. You have just given yourself a headstart with this!! As it has been said, a SOA will help as the experts on the board will study it properly and will give you advice on where and how to cut bills and maybe cut back. You might not even have to cut back!
    Special congratulations for the 0% card - that's something most of us would give up a yearly supply of chocolate for :o I would! I am paying about 72 a month in interest.

    70 per week on groceries is, I believe, quite high. Do you know what you spend that on? A full SOA would really help. Well done for packing your lunch and restricting on "I want" items - the situation can't be that bad if you are so much in control :)

    Welcome again and dont forget your SOA!! :T

    SAV3R wrote: »
    Hi, Newbie here

    I agree with a lot of what has been said in this forum.

    I don't have a large debt £1000 approx on 0% card til Jan 2009, but I know we're spending more regularly than we're earning. I need to stop this before it spirals out of control.

    I read this website frequently but am struggling finding ideas, I know that sounds unbelievalbe.

    I always take my own meals to work,
    I usually dry my washing on the line / airer
    I have joined Lightspeed, Toluna, Valued Opinions - not received many surveys, this will be slow.
    Already sold many Cd's on Amazon - not made a fortune
    Nothing to sell on EBay
    Doing 10hrs a week extra at work - although off sick with flu
    Started doing Menu plans - still spend £70 per week on groceries inc toiletries / cleaning (2 Adults/2 kids)
    Trying not to spend on I WANT IT items

    It's just so hard
    Total debt £3625.07. :o
    Goals: 1.) DFD December 2008 (snowball) / October 2008 (me:o ) 2.) Salary £30kpa (currently £26450pa) 3.) Slim down to 55kg (currently 68kg :( ) 4.) Start stoozing :j
    I do not NEED that DVD Tough love club Member #1
This discussion has been closed.
Meet your Ambassadors

Categories

  • All Categories
  • 343K Banking & Borrowing
  • 250K Reduce Debt & Boost Income
  • 449.6K Spending & Discounts
  • 235.1K Work, Benefits & Business
  • 607.7K Mortgages, Homes & Bills
  • 173K Life & Family
  • 247.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 15.9K Discuss & Feedback
  • 15.1K Coronavirus Support Boards