Hey Shorty,
Hows it going? Hope you're feeling better soon.
Just noticed you'll hit the 150 days tomorrow. I'm just the 9 days behind you. How are you feeling about the milestone? I've been getting counselling recently and I mentioned last week that what I find really odd is that I don't recognise the person I was only 6 months ago. It's like I'm someone different. Can't believe some of the things I was doing just to get a bet on.
Anyway you must be due another treat for the 150 days!!
PA
x
Hi Proudarab...thanks for checking in on me. Honestly, not even thought about reaching 150 days tomorrow all I can think about is getting better which is thankfully happening now! Off work tomorrow so will treat myself to a lie in and the hubby booked me in for a massage on my lunch break today....i sooooo needed it I feel totally wrecked after the last few weeks! Going to a house party tomorrow night so will attempt to have a few drinks and enjoy myself but I'm just so tired still. Will see how I get on. To be honest the stress of hiding the debt has been replaced by the stress of this new job but at least I'm getting more money and the debts are slowly but surely reducing. Keep up the good fight and roll on day 150 xxx
Day 157....almost better health wise. Thoroughly bored of having no money, no independence, no trust, no nothing can't even buy a packet of tampons without someone knowing about it. Sitting doing a job I detest which i moved to do to get more money not because i wanted to. f*****g B0llox.
Day 160...lovely busy weekend in the sun....normally would have had money on the national but didn't even think about it until someone mentioned it to me or there was an advert on the tv. Weirdly the first year ever that no one did a sweep stake in work. Husband won a few quid, think he was in 2 minds whether to place a bet but it's only once a year and he's not the one with the problem! Horses were never my thing, think I won one national in the past 13 years....shame that I won't be able to have a bet on it again but i'm sure I can cope with missing out on something that happens once a year.
Went and bought some plants to put in the garden yesterday. Spent £25 and it looks lovely. Weird how you can throw £25 away (and more) on the spin of a wheel but when you get something for your money you think 'crikey that's deal for plants'....shows you how messed up your mind is!!
Day 175.....clocking some days up now.....getting into the good weather now, too many people keep asking me to organise days/nights out....1. i don't have the money to be going out and 2. i really can't be bothered! Compromised and organised a house party in a few weeks, hopefully that will keep them off my backs for a couple of months! Maybe I'm getting old and boring and like my family, house and bed too much! Been so well behaved this year, maybe having all of this out in the open means that I don't need to bury myself in the bottom of a vodka bottle every other weekend. Food for thought.xx
Day 189....gambling thoughts don't even enter my brain these days....unless it gets talked about on the TV.....which is A LOT of the time!!!!!!!!!! Even got trusted with the credit card to take the kids clothes shopping the other weekend.....not that I ever want access to a card again but nice to be trusted. Being skint in the summer is much harder than winter....more opportunities to go out, want to buy new clothes, want to do things to the house but have to be sensible to get rid of this debt. Fingers crossed we get some extra money through in a few months and the husband is speaking to his dad about getting a bit of extra money each month which will all help.....all I know is that the debt is going down and not up and that can only be a good thing xx
Day 202....had a few too many drinks on Friday night (day 199) and like some sick joke got a massive urge after the stroke to midnight (day 200)....just crystalises the fact that you are never safe....but I am here to fight another day 🙂
Hey Shorty,
Long time no speak.... congratulations on the 200 days. I know the feeling though, it's tough isn't it.
Keep fighting... PA x
Day 213....have missed my 'friend' a couple of times recently. Not enough to be an issue but enough to make me realize that you're never free from it.
Been off work with the kids this week had some lovely family time but it's gone to quick 🙁 really do not want to go back to work on Monday. On a new diet think it's making me crabby and tired all I want to do is sleep. Got a wedding tomorrow can't even be bothered prepping tonight or picking an outfit just want to stay in my bed zzzzzzzzz hopefully I'll get over this hump and the diet will actually give me more energy!!
Day 230.....today I am burnt, in pain, tired, bored and do not want to work! But at least I am not on day 1 so for that I will attempt to crack a smile 🙂
Day 243...not going to lie I find it really depressing coming on this site now. But I want people who are struggling to see that even after numerous failed attempts it is possible to succeed. You just need to want to stop and give up all control of ur finances and it's really not that difficult!
Well done on your hard work!
I am on day 7 and its much harder than I thought!
Day 309....just checkin in, another couple of months until the big 365....not so much as put a lottery ticket on in the past 309 days...gambling does not even enter my head these days. I wish I had been found out earlier or even better owned up so this could have happened years ago but now is the time to stay strong for me and my family.
Keep up the good work gamcarers....there is light at the end of the tunnel if you make the right choices xxx
Day 351....pleased to report that I am galloping up to the one year mark. On the other hand the debts have not reduced as we had hoped and we are now in the process of entering into an IVA. Wish I'd just done this a year ago but clearly underestimated how much general living was and the interest on the credit cards. Anyway, it's been a turbulent and disappointing couple of weeks but it's onwards and upwards now. Just praying that the proposal gets accepted and there is finally a finish line. Has anyone else had any issues with entering into an IVA? So grateful and blessed to have a husband that only holds on to a mood for day and then forgives me.....again. Can't wait to get all this sorted now, have started writing to creditors to explain what is happening, just don't want to me dealing with loads of phonecalls etc etc as I have A LOT of creditors.xxxxxxx
351 days awesome stuff.
I went the Iva route, i finished mine just over 2 years ago , have nothing that was negative to say about them they were great. Think it was something like 75 percent have to agree for it to go through. I was lucky that my largest debt was over the 75 percent holder, most agreed baring one which was the smallest debt funnily enough, negative that is a positive really is you can’t borrow any money whilst in the Iva else it will fail if you do, they also put a charge on your property meaning you can’t sell it without your supervisors say so during the term. Aswell the 6th year if you haven’t paid back all the money you borrowed they ask you to remortgage the difference. That’s if you have any equity in your property. Once in place you’ll only hear from them once a year to do your income and expenditure. A little advice is create some fictional bills so you have a little extra for those tricky periods like Christmas and so on ie if you don’t have a dog you do now , kids might have take lunches but you could say they stay dinners, again you may not go to the gym but you do now. Wink
Hopefully that’s helpful to you and best of luck I remember how scary it was going through it but I can tell you the joy is even better once it’s over , all the best and any more questions feel free to ask .
Ps don’t contact your lenders just leave it as it’s your supervisors job now and he may tell a different version to why you borrowed the money and can’t pay it back
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