goodbye dizzymissy78

You should feel proud dizzy. ..
Keep on doing what your doing x

Hi, thanks for your drop in on my diary.
Yep, you wake up Г nd the switch in your head goes on!
So pleased you're feeling good and deservedly so. Soon your debts will be a lot easier to deal with. Loxxie is right though, maybe it doesn't have to be all paid at once but it sounds like you know where you are with it.
Enjoy the amazing feeling that being gambling free gives you.
100 days soon and it's puppy day tomorrow!! bet you can't wait - enjoy!
Li'l miss L

Hey Dizzy, thanks for the nudge 🙂 All good in my world!

I did almost drop by the other day to suggest that you reconsider the priorities of your loans but decided against it as you didn't need me pecking your head! But, I'm here now & have to ask, why did you prioritise the loan over your rent? Have you spoken to the other lenders & explained that they lent you money way beyond your means/earnings? I know you can't tell your husband but could you come clean to your parents? It may be that they are able to wait a little longer for their money which may afford you a bit of breathing space!

Not sure how much you took out if the ISA or what type it was but be careful because they have deposit limits on them! If it wasn't a help-to-buy one, when you get back on your feet, do have a look @ them.

And as for the puppy...Enjoy 🙂 It's lovely to hear you sounding so enthusiastic about life now. Keep moving forwards - ODAAT

dizzymissy78 wrote: Blimey 94 days can't believe it's nearly 100 days I've never obstaned this long it's amazing feeling better getting stuff paid buying a puppy having a holiday in November it's all going on feeling pretty proud!x

those days add up quicker than you think when you're doing the right things!

Thanks oddaat and tri some good advise especially about the loan bit as you are right I'm now panicking how I'm going to pay the rent the puppy think not helped at all but he is for me I haven't done anything for myself in a long time always wanted a dog so very happy all payment plans ran smoothly last month everything got paid this month haven't managed to credit cards and this month I have bank charges they won't consider lifting them as they have done it quite a few times and the massive challenge this month is the huge council tax I have to pay but I only need to suck it up for 3 months then it reduces by half I just need to ride it out parents know about my finances (but not the reason why )just I'm a nightmare with money and got in a pickle with payday loans(they weren't impressed about the puppy) I can see it all reducing I just have to ride the storm.i may have to go hand in cap to be my father in law next week as I'm sure there won't be enough for rent .hubby's car also needs an mot it is a constant struggle but slowly but surely things are getting paid one of my loans finishes end of November the next April the next may etc the last one being October next year then I can start on my credit cards I have a plan I cannot deviate from but I have the will power to do I know I do get very tired so I need the occasional treat have to stay focused!thanks for all your support it does truly help!can I ask about your own finances is it a similar story?just helps me to understand it all.another thing that grounds me is reality....bumped into a lady who's hair I did in the super market she moved to France that was the last time I saw her they decided to move after she recovered from cancer a life's to short thing.i gave her a hug and asked why she was back apparently her hubby popped out for bread one day keeled over with a massive heart attack and never came home.on returning back to England her son who had had problems with gal stones got an infection and also died he was in his early 40.s so you see it grounds you and makes you see what's important get out there and live your life don't sit squandering money on cartoon characters dancing round a screen soround yourself with the things you love family and friends and live life to the full!a good reality check for me when I've been feeling quite down about my own situation and she was still smiling a truly miraculous lady who to be fair beat the odds with her own life and out lived everyone else anyway it's 3.11 in the morning I must get some sleep bye guys xxxx

Ps 4 days and counting to the big 100 days let's party!!!!!!

Hi dizzy, you really must get some sleep haha!
Hope you've had a wonderful day with your new little puppy.
Enjoy!! X

Day 97 o*g I'm in love!my puppy Is delicious so cute can't believe how tiny he is very happy to have him funny enough I'm awake at 12.23 but the puppy us sleeping fine!what a good boy!3 more days till my 100 days feeling strong very happy with that!night all!xxxx

So here I am on day 99 a day away from 100 days gamble free I should be happy and excited instead I have tight knots in my tummy and panic attacks this is due to the fact my rent is due Thursday in fact it was due last Thursday only I couldn't pay it and this week I won't have enough either in fact I'm £300 short I'm just so worried.the shortness in rent is mainly down to a)my husband has been off sick for 2 weeks.he has menieres desease something that makes him very dizzy the attacks are severe and last days even tho he gets sick pay it's basic and we need the over time money b)buying a puppy and a what the hell attitude all my own fault so with all this on mind after a stiff drink I text my father in laws girlfriend so she could ask my father in law hoping for sympathy and asking to borrow along with the promise of repaying within the month I explained my hubby is in a bad way both physically and mentally and I wanted to soften the burden as I know he feels guilty for taking so much time off he also feels bad as he has lost his yearly bonus (it is done on attendance)it wanted to sort it and take the worry away.i waited all day for a reply I wondered if I had the correct number so I sent another text asking I hope I had the right number had a shirty message back not replying to my original message but saying yes! This is liz,so number and always has been....nice!I also said in the text I wouldn't usual text but it's hard to communicate by phone call with my hubby with me 24hours a day I feel shot down and gutted I think she thinks I am cheeky and a leech it has stired up awful panic feelings the ones I would get after a gambling binge and needed to replace bill money it took a lot for me to admit I needed help now I feel worthless and lonely not sure what to do but I tell you I will be praying to god tonight if it doesn't get paid Thursday it will be 15 days before its paid and that is grounds to kick us out what am I going to do I can no longer borrow as I'm on payment plans and I don't know anyone to ask I'm scared and even more scared she will tell tales on me what a mess my heart is beating hard and I feel sick really do not know how I'm going to wangle this one!hopefully I can get some sleep as I've been up since 4am when my pup woke me up!I'll sleep on it I really am stuffed this time!help me god!

Hey dizzy
I can relate to you feeling so worried about paying rent ...and that it leads to an urge to gamble....I too can remember that feeling !
But...as we all know it only ever makes it worse...
I'm unsure of your tenancy. ..could you not speak to your landlord and explain situation...and that you could pay £300 shortfall in 2weeks...I'm sure nobody would take action against you for being a few weeks late if you talk to them....I can't think what else to say love....except stay strong...it will get better x

Sorry to read your post today.
I wish I had a way of helping you. All I can do is send a little prayer up to God for you as well.
Hopefully he'll receive one of them!! Big hugs x

Hi Dizzy , Sorry to hear your in such a state after all the hard work your putting in , you really don't need or deserve that in your life at the moment , I'd be inclined to go down the route Loxxie suggested and speak with your landlord , your not saying you won't pay the rent just that theres going to be a delay and its not as though your fobbing them off so maybe tell them your husbands off sick and show them the doctors note if needed ? the only other thing I can think of is maybe Pawning something ? I know its not ideal but if it gets you out of trouble for a few weeks ? also like Loxxie I really don't know what tto suggest but make sure you dont let this drag you back down , youll be in the century club tommorow "100 " and thats worth fighting for :))

Stay safe Honey and I wish you well .

Thanks for all your kind support u are all amazing and it makes me feel emotional thanks guys I do feel very low it's good to know I have u all helping me through not sure what to do but I'm. Not going down without a fight! X

Welcome to the century club Dizzy 🙂

I did wonder your priorities but what's done is done & yes, you absolutely must speak to your landlord! A tenant that doesn't pay is bad but a tenant that lets you know the money isn't going to clear is better than one who keeps quiet & lets your mortgage payments bounce...Don't let the 1st the landlord hears you are short be from the bank. Late payments may well be grounds to kick you out but that doesn't happen overnight so phone them, apologise, pay what you do have and do everything in your power to ensure that this doesn't happen again! Credit cards & stuff like that can wait, they are big financial institutions that can wait for their money.

Don't take the response to the message too personally but be mindful, you haven't asked for help, you've asked for money...There's a difference!

Give the puppy a stroke, chin up & keep fighting - ODAAT

Thank odaat i appreciate your message to be fair the lack of rent money Is due to my husband not working and not my gambling so I thought they would understand I have two kids and keeping a roof over their heads is a priority and yes I have learnt my lesson this month and next month I will be more careful I really need an emergency pot top up pot but all my money does seem to disappear there is one more thing I can try I have a few friends who may be able to help although like a lot of people here I have burnt my bridges asking to borrow cash whilst I was gambling but then again I have always paid back soo I do think we lean on our friends a bit too much then it weakens the friendship I feel sad about this il try to sort this as my landlords are absolute idiots I always pay and always have done I've been here nearly 9 years for goodness sake they are very lucky with us its the one thing I always managed to sort but I pay on around the 6th/7th they once wrote me a letter asking for an extra £300 for the year to cover those days I ignored it and they never asked again.they are definitely not understanding after the rent is paid hubby's car needs an mot he needs that he is using mine at the moment I really do hate this financial mess yesterday my heart felt like it was going to burst from my chest!come on please god let one of my friends be able to help I may be able to ask two friends at a smaller amount each let's see but thanks again to everyone here for the support at my darkest times love u all loads xxxxx