bessys keep me on track diary!!!!!!

southernscouser

Bessy, don't take this the wrong way but do you think you might have a problem with gambling?

The fact you say you play looking to recoup what you've lost is to me quite an alarming sign. You are playing with money you can't afford to lose, and your also chasing your losses!

If you want to recoup the money you've lost, gambling in any form isn't the way to do it. If you feel that you are 'due a win' or 'it's only a matter of time' then you really need to speak to a professional about this.

Please at least have a read of this site.

http://www.gamcare.org.uk/

Mrs_Weasley

Thanks everyone

you have brought a smile to my face, although virtual pat on back made me cry again! Kel love it;)

So good things i've done today;

made homemade soup with left over veg, was going to freeze half but family ate it all!!??!!
hand washed 40ish items including some bedding, phew!!
got up at 6.30am so i could help ds with spellings, will be doing this every school day!

Don't think thats too bad after how i felt earlier, have read post again

Bob although i do work part time, school have a reading friend afternoon so think i will join them on my free time, thanks for that x

Have decided to do a list of parts of life that need organising ie menus for week, need to this as weekly shop bill is creeping up, painting, gardening, walking dog, etc etc

southern scouser will check it out thanks, hopefully if i organise my life better will get more out of it and not need bingo!

miggy

Good to hear you sounding more positive Bessy .
The soup sounds too good to freeze! I lurve home made soup
Now you've had a busy and productive day, hope you have a good night's sleep and tomorrow you can start on the lists.

Mrs_Weasley

Hi folks, was absolutely exhausted on tuesday, had a good start after posting, sat and wrote a letter to myself and family explaining how i've been feeling, oh read it as well so he knows now, kids haven't there too young. Felt loads better just for doing that. And a big thanks to you for the hugs!:D

Have started on my list of things to do, just got to put thom in order of priority!

Got myself a budgeting buddy!!!! Its my lovely sis in law, she is absolutely brill with money, 3yrs ago she saved enough money in 12 months to pay for deposit on house and all solicitors fees etc!!! She has started making own bread, she feeds a family of 5 on £155 a month (and very healthily)!!!!!!!! So i think she will be a good sorce of inspiration:j And all that without mse!

Good day yesterday went to ikea with sis in law had 99p brekie with free coffee and we had a good chat put the world to right and all that, and meee!!!! BUT got home kettle wouldn't work:mad: only got it before crimbo:mad: then i couldn't find reciept:mad: anyway took it back to supermarket and they said because i was a regular customer as a gesture of goodwill they'd swap it:j . Only thing is if they know me that well i think i go there too often:o so that was a bit of a kick up bum!

Trawlwd my way thru old style board last night looking for ideas food budget wise am still working on that took me ages to figure it all out!!!!!!!

Anyway got some more lists to do then of to work speak later.

love bess x

Mrs_Weasley

OOPS! got that excited bout new me forgot most important thing! Have NOT been on bingo :j Oh counted up how much i'd spent this month and we could have had that washer:mad: Stupid stupid me:mad:

kel123_2

Hi bessy

It's time to stop kicking yourself, stop calling yourself stupid. Which in the short and long term has the most benefits and enjoyment - bingo or what ever? Once you have worked that out store these feelings and bring them out when you need to

Good luck and well done

Kel
Wonder how I know about the need for HRT:)

Whirley

Hi Bessy, I have literally only just joined today, been reading for a while tho ...
Me and u about same age.. also have debt, also have mouths to feed, I also got stupidly addicted to Bingo online... Ive been over my bank statements and felt physically sick and disgusted with myself by the amount i have spent on it... it is so scary how much money i have chucked down the toilet... but i am now trying to move on... gamcare are good as above!!!! i dont think i'm cured yet, but have managed about a week without going on there... ive self excluded myself from loads of the sites, then i CANT go on!!!!
am trying really hard to save and pay off more, something always seems to kick me in the teeth tho, so i get easily distressed and scream at the walls!!!!
so i know how you feel... the people here all seem brilliant and supportive, so thats why ive taken the plunge to join today!! and i wanted to say to you Bessy that I understand about the bingo thing cuz that was my illness too...( i call it an illness ) and regard myself as in recovery!!!!!

Whirl xxx

Mrs_Weasley

Whirley wrote: »

Hi Bessy, I have literally only just joined today, been reading for a while tho ...
Me and u about same age.. also have debt, also have mouths to feed, I also got stupidly addicted to Bingo online... Ive been over my bank statements and felt physically sick and disgusted with myself by the amount i have spent on it... it is so scary how much money i have chucked down the toilet... but i am now trying to move on... gamcare are good as above!!!! i dont think i'm cured yet, but have managed about a week without going on there... ive self excluded myself from loads of the sites, then i CANT go on!!!!
am trying really hard to save and pay off more, something always seems to kick me in the teeth tho, so i get easily distressed and scream at the walls!!!!
so i know how you feel... the people here all seem brilliant and supportive, so thats why ive taken the plunge to join today!! and i wanted to say to you Bessy that I understand about the bingo thing cuz that was my illness too...( i call it an illness ) and regard myself as in recovery!!!!!

Whirl xxx

Thanks its nice to know there are others! Daren't add up how much iv'e spent over the last year would deffo be sick me thinks! Think the fact that could have had washer if i hadn't been on there is enough, glad you have joined its brill on here and good luck!

Culater_2

Hi All, newbie here,
I have taken the step and spoken to Payplan 2 days ago, they are calling me on Saturday to go through my soa. I think I need to do a DMP - will they insist I have to do an IVA or something or do I have the option to say I wanna do a DMP?. I have compiled a 3 page report showing all income and expenditure, creditors with account numbers and amounts, list of insurances I have with renwal dates (Why do they want these??), bank details etc etc.

I have a few questions - I bank with Barclays but dont owe them anything in my creditors list - although I have an O/D facility of £2310 which I use all the time. They have never in 20+ years of banking with them had anything to say anout the overdraft and I really do not want to change bank accounts. Will I be forced to change bank account?


I have debts of £25,000 with 6 credit cards (5 creditors) and wish to do a DMP. I can comfortably afford £300 per month after I have gone through my and my partners combined soa. The credit cards are in my name though, not hers, although she has her additional card on my accounts. Can I still do DMP with both our salaries?

Sorry for all the questions but im scared!!! lol

Mrs_Weasley

just a quickie am inbetween shifts have thought about the good things that have happenend since new year came up with these:

Just had parents evening for ds and dd both are doing really well, dd in reception class and is doing yr1 maths (how did that happen!!!!!!!!!!)

MOT repairs only cost £37:j (garage owner threw in a new tyre for nowt:j )

Stuck to walking to school everyday

Removed norton from comp (thanks techie board)

Discovered arrow keys on keyboard are for scrolling!!!! (little things....!)

It doesn't look like much i know but can add to it as i go along. Am still working on things to do list seems to be a bit long but one step at a time:rolleyes: