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  • FIRST POST
    • dizzyblonde82
    • By dizzyblonde82 20th Apr 10, 12:11 PM
    • 450Posts
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    dizzyblonde82
    How to stay positive?
    • #1
    • 20th Apr 10, 12:11 PM
    How to stay positive? 20th Apr 10 at 12:11 PM
    I have really started to work on sorting out my finances and have managed to even save a bit of money over the last week or so as I am determined to get out of debt in the next 2 years.

    However this morning my car was making a horrific noise and has now been towed to a local garage, the power steering fluid is leaking and the pump is broken - not sure on total garage bill yet!

    It seems as soon as I start saving something happens and I am back to square one!

    How do people stay positive when life seems to throw so many problems at you?
Page 1
    • Percy1983
    • By Percy1983 20th Apr 10, 12:31 PM
    • 4,976 Posts
    • 7,821 Thanks
    Percy1983
    • #2
    • 20th Apr 10, 12:31 PM
    • #2
    • 20th Apr 10, 12:31 PM
    Always look on the bright side, yes the car maybe a step back, but you are making steps forward.

    Also don't think about a debt free date too much, just be happy the numbers are going down.
    • mrsinvisible
    • By mrsinvisible 20th Apr 10, 12:33 PM
    • 1,276 Posts
    • 13,270 Thanks
    mrsinvisible
    • #3
    • 20th Apr 10, 12:33 PM
    • #3
    • 20th Apr 10, 12:33 PM
    Keep reminding yourself that you have control now and are making inroads, lots of others out there not had their lbm yet so you are streets ahead of them
  • debtdesperado
    • #4
    • 20th Apr 10, 12:40 PM
    • #4
    • 20th Apr 10, 12:40 PM
    But you are doing really well! You have some savings to pay for this instead of automatically having to put it on a credit card, which would take you months and months to pay off.

    You have done really well to build up some savings - and you will build them up again. Have faith!

    It takes a while when you are getting out of debt for things to get on an even keel - I found that the chaos in my finances was reflected throughout my life as it all lurched along, in that I failed to take preventative steps to keep things ticking along in a 'stitch in time saves nine sort so way, so I used to tell myself that I couldn't afford to get the boiler regularly serviced, so then it would break down and I would have to put the cost on my credit card... then I realised that it was better to take regular care of it and budget in advance to do so, so that I was never hit with a massive bill.
    • josephine82
    • By josephine82 20th Apr 10, 1:16 PM
    • 359 Posts
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    josephine82
    • #5
    • 20th Apr 10, 1:16 PM
    • #5
    • 20th Apr 10, 1:16 PM
    I agree. Get your budget in place. Don't get disheartened if things crop up, just think about how you can prevent it in the future and learn for next time.

    If you can put together a really good budget, and start putting money aside for the necessary things, you will get there. It just takes time.

    Stick with it- its worth it in the end...
    Debt Free as of 2nd October 2009
  • LabLover
    • #6
    • 20th Apr 10, 1:25 PM
    • #6
    • 20th Apr 10, 1:25 PM
    Its called sods law. Me and partners life reads like that , whenever we scrimp and save for a wee camping holiday the day before we set off the car window falls in , exhaust falls off. Oven blows up day before Christmas,dog rushed to the vets when we need to leave to go to concert we saved super hard to pay for tickets for. Its actually a running joke now , the last twice Ive booked a sun 9.50/15 holidays my OH has been made redundant BUT we pull through , we actually laugh about it now and as others have said atleast you have a little bit of money aside where as before you would need to put it on card. Chin up , a little bit of Positive mental attitude goes a long way -youve done so well so far !!
    Thanks to MSE for making it possible for me save to buy my new flat , yay !!
    Gorgeous baby boy born 7/7/11
    • dizzyblonde82
    • By dizzyblonde82 20th Apr 10, 1:32 PM
    • 450 Posts
    • 264 Thanks
    dizzyblonde82
    • #7
    • 20th Apr 10, 1:32 PM
    • #7
    • 20th Apr 10, 1:32 PM
    Thanks for all the replies I know that I need to budget for emergencies and will factor this into my budget somehow, It just came at a really bad time as my husband failed his driving test yesterday so that means that we have had to use some of what we have saved for a few more lessons and another test.

    I know driving is a luxury but I couldn't do my job without my car and also if DH could drive my life would be easier as we live in the countryside so not much in the way of public transport.

    I am not going to let this set back get me down as I feel that I have actually faced up to my problems and the only way to move forward is to sort out all the debts.

    The garage have confirmed that it is the power steering pump and the part is around 200 plus the fitting costs
  • debtdesperado
    • #8
    • 20th Apr 10, 1:46 PM
    • #8
    • 20th Apr 10, 1:46 PM
    Haggle over the cost - ask them if you paid in cash whether they could do a better price... always worth a try!
    • Percy1983
    • By Percy1983 20th Apr 10, 4:07 PM
    • 4,976 Posts
    • 7,821 Thanks
    Percy1983
    • #9
    • 20th Apr 10, 4:07 PM
    • #9
    • 20th Apr 10, 4:07 PM
    I will say actually as I am clearing debts I don't actually have any savings, I literally throw everything at my credit cards knowing full well if something goes wrong it will go back on the credit cards.

    As said if you debts are reducing don't worry, its not a race.
    • dizzyblonde82
    • By dizzyblonde82 20th Apr 10, 6:16 PM
    • 450 Posts
    • 264 Thanks
    dizzyblonde82
    I know that I will get there in the end, it is just hard as all I can think of is the debt - I think that I have been ignoring it for too long! I really struggle with ignoring things and am obsessed with checking my bank accounts/credit card balances!

    I started a new job on Monday, it is a temp secondment at a grade higher so am hoping that I will have an additional 50 a month to put towards debts and as my son starts school in september, childcare fees go from 130 per week for nursery to 35 per week for after school club and school dinners

    Have got a car from the garage tonight and will find out the total bill cost tomorrow
    • Percy1983
    • By Percy1983 21st Apr 10, 12:37 AM
    • 4,976 Posts
    • 7,821 Thanks
    Percy1983
    You need to try and stop checking everything so often, I check my bank statements once a week and do a sweep of all credit cards etc monthly and update my spreadsheet.

    Just watch TV, read a book, play a game.

    You say you managed to ignore it for so long, try to ignore it again now you have a good budget it place,
  • Debts06
    I know how you feel for the first time I've spent 20 in 2 weeeks but my car has gone in twice and I've missed days at work been trying to save so much then it's just wasted on my car but trying to look on to the furture
    Debts as of 2010:
    halifax CC balance 2300 Halifax CC balance 5800
    comet CC balance 1400 Halifax loan 5000 wish me luck....
    • dizzyblonde82
    • By dizzyblonde82 21st Apr 10, 6:11 PM
    • 450 Posts
    • 264 Thanks
    dizzyblonde82
    I knew the debts were there but now that I have my mind set on clearing it I can't stop checking things.

    Bad news from the garage as I need other parts fitting so the parts bill is already over 400 without the labour charges
  • elfen
    dizzy, what keeps you going is knowing that sutff in the short term sets you back, but in the long term, you are doing something to try and battle down those debts, and one day you can sit in the sun, drinking a glass of wine with your nippers and your OH, knowing you're debt-free and don't have to worry about where the next holiday is being paid from.
    ** Total debt: 6950.82 May NSDs 1/10 **
    ** Fat Bum Shrinking: -7/56lbs **
    **SPC 2012 #1498 -152 and 1499 ***
    I do it all because I'm scared.
    • dizzyblonde82
    • By dizzyblonde82 25th Apr 10, 4:30 PM
    • 450 Posts
    • 264 Thanks
    dizzyblonde82
    I have finally got my car back but the repair bill was over 650 My nan has been a star and has given me most of the money towards the car so I managed to pay some extra off one of my loans this month and have saved 229 in interest alone

    Was feeling really good this morning then my husband rang to say that my bike has been stolen from where he works, his had a puncture this morning so he took mine - worst of it is that mine was worth 3 times the price of his bike! Police are looking into it but i'm sure I will never see it again! Feeling really down about everything now
    • Cleosmum
    • By Cleosmum 25th Apr 10, 5:30 PM
    • 2,659 Posts
    • 9,288 Thanks
    Cleosmum
    Can you claim on your house insurance?

    Also, nothing wrong with daily checking of bank balances, things change from day to day and you want to avoid nasty surprises
    Jan 2016 Grocery Challenge: 184.58/400 (16/01)
    • dizzyblonde82
    • By dizzyblonde82 25th Apr 10, 5:33 PM
    • 450 Posts
    • 264 Thanks
    dizzyblonde82
    Not worth claiming on house insurance as excess and increase in policy costs would outweigh the cost of the bike
  • frugalqueen
    I went of Dave Ramsay's website and he says that car break downs, dental bills, christmas, birthdays, furniture falling apart are not emergencies but they will happen so you have to budget for them. We've never saved for car repairs and servicing before, but we do now.
    • LeeSouthEast
    • By LeeSouthEast 25th Apr 10, 5:45 PM
    • 3,768 Posts
    • 2,948 Thanks
    LeeSouthEast
    As others have said, life throws these things at us, but they don't need to be a huge issue. If you hadn't started to sort your finances out, imagine how you'd cope? Throw it on the credit card? Would you even be able to do this due to credit limits/current balances? Your savings will stop you having to put it (or all of it) on credit. Sure it's annoying, but it isn't the disaster now that it might have been if you'd not done what you've done so far.

    Once out of debt the first thing I did was focus on building an emergency fund. This currently stands at a little over 2,000 and isn't touchable except for inconveniences such as the one you highlight in your post (i.e. car repair disaster outside of normal budgeted servicing costs). I add about 20% of my take home pay to it each month, and it just sits and grows and accumulates interest at 3.5%.

    I have a few other pots as well that gets the remainder of my disposable income for set targets (retirement, fun money, holiday, moving house fund, etc) and the rest goes to living costs.

    You're better of this happening when it did, than say a year ago. That's how to look at it positively!
    Starting Debt: ~20,000 01/01/2009. DFD: 20/11/2009
    Do something amazing. GIVE BLOOD.
    • BigMummaF
    • By BigMummaF 29th Apr 10, 12:16 PM
    • 4,269 Posts
    • 32,002 Thanks
    BigMummaF
    ....How do people stay positive when life seems to throw so many problems at you?
    Originally posted by dizzyblonde82
    With difficulty at times it must be said Thankfully I have been blessed with a relatively good sense of humour so try to laugh it off--rather like LabLover--but do get the 'why meeeees' occasionally. I know it sounds cheesy but finding this site has been a tremendous help. It's open 24 hours a day, if folk don't know the answer they'll help you look for it & best of all, there's at least one other person who is going through the same thing.
    Guess tho, it boils down to frame of mind. You can wallow in the tears of self-pity or order up a goodly dose of self-help--the choice is, as they say, entirely yours.
    Full time Carer for Mum; harassed mother of three;
    loving & loved by two 4-legged babies.

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