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Poor Single Lady Debt Diary - Trying again

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Comments

  • doingitanyway
    doingitanyway Posts: 8,650
    First Anniversary Name Dropper First Post Mortgage-free Glee!
    Forumite
    Well done on your NSD :)

    Keep your eyes on the prize.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.

    Solicitor/survey savings 300/1700
    Emergency fund 0/1000
    Buffer fund 0/200
  • Hi PSL :j

    I agree with DIA - Keep your eyes on the prize !! I love your honesty

    :beer:

    Good that you have a lot of socials going on. Make sure you keep checking back to let us know how you are doing no pressure :rotfl:

    Sam x
    Grocery challenge Feb £107/£100-epic fail due to cake and biscuits
    🌟
  • Thank you both. 2 people who have done very well. I tend to agree with basically everything DIA says!
    And I think I read that sam has savings so it is possible! Both very inspirational.

    Recently I was dating someone and it's not going anywhere and we not seeing each other anymore.
    But I always think I'm quite rubbish as an adult but dating this person made me think actually I'm more accomplished than I might have thought.

    He lives with his mum and she pays his mobile bill. He couldn't understand how my flat doesn't have sky or broadband or why my tv is so small. Or why I don't have a dishwasher.
    And It made me think quite a bit. He was a bit clueless on life.

    Most people understand that living on your own and having a mortgage is expensive but this seemed to have passed him by.

    He also asked me what I paid for the flat which kind of upset me. I felt like that isn't something you should ask someone you are dating. Like you are doing your calculations money-wise. Made me feel sad in my tummy.

    But he has gone now and I am happier on my own. More content and definately more confident. Dating just makes you feel so self conscious and insecure and doubting yourself.
    You go on dates and it's supposed to be enjoyable but it isn't. Then you see your friends and you realise you're actually having an amazing time because you don't have anything to worry about.
    The more I date the more I think this is not for me.
    And it saves money too!
    Food shopping later. Not much else going on which is good.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
  • maddiemay
    maddiemay Posts: 4,978
    First Anniversary Photogenic Name Dropper First Post
    Forumite
    Lots of young and little less young people now live with their parents because of financial circumstances, this encounter just goes to prove how wall you have done and how grounded you really are. Yes you have blips and want to have and do nice things, most of us do from time to time, but as each month passes you have become more focused on clearing your debt. It must be hard, but in time you will have complete freedom of choice in how to use your money and the impact on your health and well being when you don't have to worry about how every pound spent will affect your ability to pay your necessary outgoings etc will be amazing.
    The best thing about the future is that it comes one day at a time. (Abraham Lincoln)
  • Seasidegal58
    Seasidegal58 Posts: 5,677
    First Anniversary Name Dropper First Post Photogenic
    Forumite
    Emerged out of lurkdom PSL. I agree totally with what maddiemay has posted. I do think you are quite right in not seeing this guy anymore as he sounds very immature for his age - and his mother certainly isn't helping him by paying his mobile bill for him! He appears to have totally no idea of what life is like in the real world - I think if he ever sets up on his own he will be posting on the DFW thread at some time in the future! I feel sorry for younger people who are finding it so hard to buy/rent homes, but so many of them appear to be happy to stay at home indefinitely and, like your friend, have some one else fund their lifestyle!

    You have your feet on the ground and I'm sure will eventually find someone who has the same values and with whom you can build a successful, money-sensible relationship!
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Thank you both - and all really- for such supportive posts.
    It can be so hard paying money back and worrying that your decisions are wrong.

    Spends - Food £10.50
    Milk, bread, baked beans, carrots, peas, crisps, chocolate, soup.

    Trying hard.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
  • Spends £12.50
    Foods £10
    Home - Washing tabs £2.50


    Home tonight.
    Hoover and clean
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
  • No Spend Day

    But tomorrow need to get wine to take to friends and maybe some flowers.
    Then going out Thursday definately and probably Wednesday and maybe Tuesday so next week is a bit challenging.

    Then Easter is a bit challenging. Pub invites and everything.
    But need to keep focus.

    Feel like there are so many things I want at the moment and spending quite a bit on eating but constantly need foods.
    I think I've been super fussy this month on eating because I don't think I normally spend so much. But I have made meals and put them in the freezer too and making soup later today. Plus had takeaways which I am trying to cut down on but don't want to give up completely.

    Trying hard.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
  • doingitanyway
    doingitanyway Posts: 8,650
    First Anniversary Name Dropper First Post Mortgage-free Glee!
    Forumite
    Hi there PSL,

    You are doing just fine and it is so gratifying to see how positive and confident you are lately.

    You have so much more awareness, so even when you are spending more it is not mindless spending.
    If you have a more spendy time coming up that sounds okay. You will sort your needs, wants and can wait until laters. Trust yourself.

    You are young and still need to live, just stay aware and get back on track as soon as you can.

    Enjoy your socialising :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them.

    Solicitor/survey savings 300/1700
    Emergency fund 0/1000
    Buffer fund 0/200
  • Thank you DIA. I am quite boring now tho.

    Spends
    Drinks £12
    Wine, flowers, cereal £9

    Need top up shop tomorrow and then see what happens Tuesday.
    2017- 5 credit cards plus loan
    Overdraft And 1 credit card paid off.

    2018 plans - reduce debt
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