My new and MORE DETERMINED diary

saver03

I am so worried about going back to work tomorrow I am just so nervous and I am prolonging my shower and going to bed as I don't want tomorrow to come :sad: I just need to bite the bullet and not build it up into such a big thing but it has been a few months since I have been at work so it is a big thing for me to go back.

I have been ebaying all day, more so to take my mind of work, but I have made progress and I should definately reach my target :A I must make sure I keep up my ebaying when I am back at work and not lose my motivation.

Well I must go and get ready for bed now as I can't put it off forever.

MINI GOALS:

• College course fee - £450/£1056
• Get my debt under £10000 by 31/12/08 - £0/£3501
• List on ebay by 07/08/08 - 27/40

spandles

You are obvisously on MSE as you have debts you need to clear, so:

• Why are you going to college when you should be working as much as you can to pay off your debts??? Can you not go to evening class to fit around your work?
• Why did you book yourself a Centre Parcs holiday when you can't afford it? CP's aren't cheap in the first place.. how about treating yourself to picnics (home made) in the park or something equally as cheap????
• You are spending far too much time on your Ebay stuff - it is never going to significantly reduce your debt so sell it as a job lot and be done with it.

Looking at your SOA may I suggest the following:
Rent £425
ISA £300 You don't need to be saving at the moment!
Mum loan £500 Is she charging interest? Repay her when other debts are gone.
TV licence £11.63
02 mobile £30 Try Pay as You Go and get others to call you.
Virgin £29.49
Contents Insurance £21.86
Council tax £91
Water £16.98
Centre Parcs spending money £120
1st birthday £15 Tell friends and family your SOA and tell them you can't afford gifts, offer your services instead - babysitting, washing windows, picnic in the park2nd gift £15
misc. £100
TOTAL £1675.96 :eek: That should be saving you around £800 at least

saver03

Thank you for the advice but a bit harsh I feel. I have put my replies in orange.

spandles wrote: »

You are obvisously on MSE as you have debts you need to clear, so: This site is not exclusive for people in debt but obviously this board is. Money Saving Expert

• Why are you going to college when you should be working as much as you can to pay off your debts??? Can you not go to evening class to fit around your work? It is 3 days and will still be working
• Why did you book yourself a Centre Parcs holiday when you can't afford it? CP's aren't cheap in the first place.. how about treating yourself to picnics (home made) in the park or something equally as cheap???? Maybe this was a touch extravagant but we have sold it now
• You are spending far too much time on your Ebay stuff - it is never going to significantly reduce your debt so sell it as a job lot and be done with it. I will get significantly more by selling it indivdually

Looking at your SOA may I suggest the following: This is not my full soa!!!
Rent £425
ISA £300 You don't need to be saving at the moment! I am saving to pay off debt sooner
Mum loan £500 Is she charging interest? Repay her when other debts are gone. My mum is the only person I owe money to and yes it is interest free
TV licence £11.63
02 mobile £30 Try Pay as You Go and get others to call you. With cash back I will technically be paying £1.99
Virgin £29.49
Contents Insurance £21.86
Council tax £91
Water £16.98
Centre Parcs spending money £120
1st birthday £15 Tell friends and family your SOA and tell them you can't afford gifts, offer your services instead - babysitting, washing windows, picnic in the park2nd gift £15 That was a very rough estimate and spent less than £15 on the 2
misc. £100
TOTAL £1675.96 :eek: That should be saving you around £800 at least

daphne_descends

spandles wrote: »

You are obvisously on MSE as you have debts you need to clear, so:

• Why are you going to college when you should be working as much as you can to pay off your debts??? Can you not go to evening class to fit around your work?
• Why did you book yourself a Centre Parcs holiday when you can't afford it? CP's aren't cheap in the first place.. how about treating yourself to picnics (home made) in the park or something equally as cheap????
• You are spending far too much time on your Ebay stuff - it is never going to significantly reduce your debt so sell it as a job lot and be done with it.

Looking at your SOA may I suggest the following:
Rent £425
ISA £300 You don't need to be saving at the moment!
Mum loan £500 Is she charging interest? Repay her when other debts are gone.
TV licence £11.63
02 mobile £30 Try Pay as You Go and get others to call you.
Virgin £29.49
Contents Insurance £21.86
Council tax £91
Water £16.98
Centre Parcs spending money £120
1st birthday £15 Tell friends and family your SOA and tell them you can't afford gifts, offer your services instead - babysitting, washing windows, picnic in the park2nd gift £15
misc. £100
TOTAL £1675.96 :eek: That should be saving you around £800 at least

I'm sure you meant well but your reply is really over the top - why shouldn't anyone go to college to further themselves and their career? Life is for living, we are not supposed to work every hour of the day, are we?

And :eek: at judgeypants over booking a holiday :eek: as if just because you have debt you are not allowed any fun!

Sounds like you are doing well Saver, keep up the ebaying! I have to start that myself... I am putting it off :rolleyes:

saver03

Well it was my first day back at work today after an absence of a good few months and I absolutely hated it :mad: I just felt so annoyed at being there and I really wanted to just walk out. It's not good as it is completely doing my head in :mad: I know that when I start college in September I will be on less hours but I don't think I could even manage that. I really don't want to go back tomorrow but unless we win the lottery I will have to. They're also not being very accommodating in regards to changing my hours to fit in with my college days :mad: So I must get serious about finding a new job and with a little luck, more money.

I am going to just chill out tonight, even though I feel guilty about not ebaying, as I am very tired. I am not used to getting up early and especially being on my feet all day. Must be my age :rotfl:

spandles

You have done really well to get to this stage, but if you work your socks off this time next year your debts will be behind you, then you can enjoy college (ie give it 100% without worrying about money or Ebay!) and even book yourself a very well deserved holiday. You were talking about your mum earlier, I think she is proud of you but also very worried. You say you have been poorly and she obvisously knows about your financial situation, so she probably thinks this isn't the right time for college. I'm sure she would rather you be well and debt free and at college!!!!

As for your work, if you have just returned from sick leave your first day back probably isnt the best time to be negotiating your hours - work really hard so they need you then ask to change. See if you could get any training or qualifications out of them - you never know when you may need to work again in the future and these would help nail a better (paid) job.

Whatever you decide to do I wish you the best of luck!

saver03

Oh I really do hate my job :mad: I cannot stand working there at all. It makes me so miserable to think about going in. It bores me to tears and I can't say I am that keen on my work colleagues and most of the customers we get are bas*ards One of the nicer customers said to me today, "You are obviously made for better things." And I couldn't agree with him more. I spent most of the day on my own today as the assistant manager is an idiot and he spent most of the day sat in the back talking to the other guy that was on. He is one for the boys, not in a gay way, but he obviously favours the male members of staff. So I was left to serve on my own while they just gossiped in the back, and they say women can talk :rotfl: I just really feel that they are taking the p*ss and I just really felt like giving in my notice but I obviosuly need the money :mad: which is my own stupid fault for getting into SO much debt in the first place.

I am not going to set myself any ebaying goals this week as I am just trying to get used to being back at work and I am finding it harder than I thought and I am very tired. I do have 39 items on there at the moment so hopefully they will do well.

MINI GOALS:

• College course fee - £450/£1056
• Get my debt under £10000 by 31/12/08 - £500/£3501

saver03

I am just so unhappy with my job and I don't know what to do :mad: I was crying to my OH last night as I couldn't face going back to the place. I only managed 2 hours there today and I told them I was too ill to work. I cannot face it and I couldn't even give you a definate reason why. I think being off for nearly 4 months has made me realise that I really can't stand the place. Being back at work has brought home to me how unhappy it makes me and also that there are better things that I can be doing with my life. I wish I could leave but with my debt it is impossible and as I still owe my mum £13000 it would not be fair on her. It's just I am not too sure how fair it is on me to stay when it makes me so unhappy. I am hoping that when I start college I will have something else to focus on and I will be doing less hours so maybe it will become bearable, fingers crossed.

I know a lot of people don't like their jobs and are unhappy at work but this goes way beyond that. I am so sick of crying every night as I don't want to go to work and then feeling crappy all day as I just don't want to be there. I took the time off because work was making me ill and I was just crying all the time, even while I was at work. I had finally got my depression under control and now I can feel it creeping back over me again like a black cloud.

If I hadn't been so damn stupid with money in the past I could have quit and started to look for something else and not had to worry about money :mad: I don't really want to reduce my payments as I would love to be debt free by 30. I am looking for a new job and have been sending off CVs so hopefully sooner rather than later I will be successful and I can finally get out of there.

I keep thinking life is to short to be this miserable and if it all ended now would I be happy or would I have regrets? I am thinking the latter would the one! My friend's death has also really affected me as she was only 25 and it has made me realise we never know what is around the corner. I was watching something on tv the other day and talking about death someone said, "It's too short so you best be damn sure you are living the life you want to." Well I sure as hell am not so I have to do something about it. Going back to college is a start but I need to do something about the job.

Well end of my rant but it always makes me feel better getting it all out.

saver03

I am not sure what to do with my life anymore I know I am so unhappy at work and I am feeling relieved as I now have 3 days off :j I really need to figure out what to do as I cannot carry on like this it is making me miserable :mad:

I will ebay over the weekend and hopefully get rid of some more boxes. I am also hoping my junk will be someone else's treasure and I will make a fortune :rotfl: I keep saying to OH that maybe we should do a car boot and hopefully get rid of a lot of it in 1 go but he doesn't think it will be worth it money wise

At least I am in a more positive mood than yesterday so hopefully it will allow me to be more focused and keep me motivated.

saver03

Feeling really down again today and I think the OH is starting to get really mad with me. He said I need to cheer up as I keep crying for no reason. Which I think is pretty much stating the obvious really! I am on day off tomorrow so I am going to the Drs so see what he has to say. I am not sure if I am getting upset again because I am back at work or if it is a coincidence

I am doing some ebaying as it means I don't have to converse with the OH as he is barely talking to me and it makes me feel worse. I have no idea what his actual problem is as he won't talk and says he is ok. :mad: Anyway, I have decided to set myself an ebay target as I find it keeps me focused and makes sure I do actually do some ebaying.

MINI GOALS:

• College course fee - £450/£1056
• Get my debt under £10000 by 31/12/08 - £500/£3501
• List on ebay by 14/08/08 - 3/20