goodbye dizzymissy78

Thanks you guys for replying I take all you comments on board hubby is very poorly again with no patience and angry with everyone so not an option at the moment looks like he will get signed off for another week I'm also stressed because I find it difficult having no space and him around 24/7 he's now talking about giving up work so I guess it would be down the benefits route but not sure yet I did look into step change but it is very different if u r self employed as ur earnings fluctuate and I have methodically started to do what they do anyway sorting payment plans and contacting everyone in two months I've paid off one of the loans and seen improvements but I can see things will get better but not overnight I think initially 6 months till I see any money spare but before I stopped gambling it was no different never having anything how the hell can people afford to gamble lol!anyway I'm trying it my way because what works for one doesn't work for another I come on here to offload and am always interested in how other people cope or find a way so thank you I don't want to sound like I'm moaning I don't help myself like buying a pup for £375 plus everything he needed no wonder I was short on everything I need to be frugal like sometimes I pop to the supermarket and they have lots of meat reduced so I do fill the freezer up I'm going to hang on in there sound off on here and stay strong tomorrow will sort some more finances it's amazing how much better u feel when u have thanks everyone my bestest buddies love u all nightie night xxx

I understand completely what your saying dizzy...
Like I said my hubby spent months on the sofa in between hospital stays. ...I couldn't even iron without him Moaning about the noise ! he just wanted me to sit with him watching wheeler dealers lol
I can accept that he needed me close...he was scared....and so was I...but like you I did feel suffocated at times. ...and the ideal activity was in the laptop spinning those slots in secret.
You've done well juggling those payments and staying gamble free....but as ktf says sort the others before the cards...and look after yourself you've got a load on your shoulders....take care x

Hello feeling good today car tax sorted!new direct debit set up!payment plan for 2 loans sorted and payday loan email sent waiting for response to start payment plan,feeling positive not going down without a fight not letting Mr g take everything for me and not going Down Without a fight!ha I live to see another month!!!!x

Good girl Dizzy , thats another tough patch youv'e fought through without the aid of Mr G along for the ride ,see you can do anything you set your mind to :))

Really pleased for you Hun .

Take care and have a great day x

Been through the mill this week ups and downs but achieved loads in a few days rent paid,3 pay day loans on payment plans other 2 on agree to pay plans booking work in for next week have large council tax bill to pay I feel I might actually be able to do this!thanks for not giving up on my guys u really helped this week xxxxx

Goals for this week call up and pay car insurance monthly payment,pay council tax,make dinners from my savy food shop I've done, plus freezer store that I've built up from reduced meat contact banks regarding unauthorised overdraft fees,dogs jabs try and pay parents a little and if anything left a bit off of my credit cards phew let's just see!!!!

Hi guys well woke up today and to my relief my council tax payments had been made all ВЈ250 of them! I also payed my car insurance payment of ВЈ33 and will have just enough to pay my loan payments tomorrow of ВЈ75 I won't have anything left but the relief that it's got paid is massive next week I have a further ВЈ199 council tax payment to make I'm sure I can do it if I stay focused and it's only for 3 months also my loan will finish the freeing up £410 which makes me happy then next loan finishes in march then April and so on and I'm really excited about ticking them all off one by one it will get me through the not having any spare money thing!thought I would share this as other people may be in the sake position made a lot of home made dinners too this week I find if u hit the supermarket early there tends to be a fair bit of reduced food!I know I can do this I'm nearly approaching 4 months gamble free.i had to pop to the pet shop yesterday right next door to the bookies as I pulled up I felt a slight flutter in my tummy I wasn't sure if it was a panic attack or anticipation as if I may go and gamble I didn't like it so I ran straight to the pet shop and got quickly in the car phew!when we feel strong and our guards are down we are at our weakest!anyway feel good today thanks for your constant support!x

Yeaaaa
Way to go dizzy !
Your doing so well...
Keep doing what's working for you....that's all it takes.....each new day is another new chance to get it right again.....have a good one xx

Hi guys so I made my loan payment today as well can't tell u the huge relief I have some work on at the weekend starting to believe I can do this now!owe parents money don't want to let then down and need to pay my water rates got to stay focused!x

Just dropped by to say it sounds like you're working hard to get yourself into a better financial position under difficult circumstances
We're all still there with you. Take care x

So today is 4 months gamble free I should feel delighted instead I feel over whelmed by the debt and everything I need to pay, bank charges are ridiculous behind with credit cards utilitys car needs moting on a good day I feel strong and positive other days I feel like giving up I just have too much to pay and income doesn't cover it I'm also exhausted snappy and short carrying the burden around makes me like this I wish I had a magic wand to get rid of the debt and god knows if I could rewind I would of stopped years ago what an idiot I am need to stay calm and have a plan of action but just feel sorry for myself x

Morning Dizzy. I know you want to manage this yourself, but I'd urge you to go onto the debt management chat that forum admin have arranged - at least see what they've got to say, you're not tied into doing anything. I remember feeling like you've described so often and the memory of it is upsetting. Once someone else shoulders the burden for/with you, it means that making the right choice becomes so much easier. I honestly don't think I would be at 250+ days if I was still having to handle all my debt. Anyway, good luck, you are allowed a little wallow but who wants to do that on a Sunday? 🙂

Twinks x

Hey dizzy
You asked me ...how's things changed...
Well..
I've got more money in the bank than I've had in years....my bills are under control....rent and
electric arrears are being paid weekly at a rate I can cope with...
If I had no spare income it might send me back to the slots...so for me it was important to not over stretch...
Relationships with family and friends.....I can look them all in the eye now....
I can ....work ....rest ...and play with no pressure to hide behind a slot machine....
So yes....I'm happy hun. ..
But I'll never take that for granted....
I'll never stop working at keeping my addiction in the past
Your doing great love....
Keep your finger on the pulse....x

Thank you so much for your kind comments I aspire to be like you. debt management is not something I want to do purely for the reason the thought of spending 10;years paying back literally makes me feel so depressed in my case I feel ripping off the plaster for a shorter period will help me achieve normality quicker!I still want to come on here and air my frustration and thoughts tho so sorry if I bang on about the same thing basically worrying about paying everything but I know I can do I was wasting 100,so for goodness sake paying back should by rights be easier any how this week I have council tax,a phone bill,water rates,and a loan payment totalling ВЈ350 I am dog sitting for 2 weeks and getting paid ВЈ150 I have £210 of appointments booked in so it is achievable but again there will be nothing left yet again next week will be payday payment plans and credit cards then back to rent it really is difficult but I am holding on in there 4 months in and I'm at the Peak of difficulty but things will get better!I know x

Woke up paid my phone bill thank goodness!