Just need to vent!!!!!!!!!!
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| Tue, 11-16-2004 - 5:14pm |
Hi ya im new here :)
I am so fed up and so stressed about my debt :( i am so sick of it i know i need to change my life it feels like its spiralling out of control.
I started a new job in the hope that it will help my debt dramatically. and it actually hasnt helped all that much. I get paid weekly and it feels like when i pay things off i dont end up with any money for my self at all :( so i start borrowing again and before i know it im back to the start again but much worse :(
Everytime i pay something off i end up getting a new bill and the past two days i have been going to bed with migraines and tension because i feel like i cant cope any more
Christmas is comming up which is meant to be a time for chilling and being happy i feel sad for not being able to afford all the things i wish i could.
Does anyone have any tactics on how to stop this spiralling of debt from getting out of control?
Thanks guys i already feel heard :)
Best wishes
Chantelle

Yep, You've been heard! And, since most of us have been there, done that, you already have a good support team, lol!
My first suggestion, fun though it's not, is to do a written budget. It doesn't have to be perfect, it just has to have the basics. Take care of the basics first-food, shelter, car/gas. utilities. Then figure out what you have left over. It seems backwards from what we've all been told-bills come first, then you figure out if you can eat this week or not.
But, that way doesn't work very well! As you're writing things down, you'll realize that (hopefully) there are areas that you can cut back in. Getting paid weekly is harder, because the checks don't seem that huge, and so, how can spending this $5 REALLY make a difference...That's why it's better to tell your money where to go instead of wondering where it went!
Good for you for taking the first step in this. Another step to take, again, not a really fun one, is to write down who and what you owe. In its entirety. Once you know what you're up against, somehow, it seems easier.
Good luck-
Lisa
You have already gotten some good advice, nothing I can add on to it.
Becky
CL of 4th, 5th & 6th grade Scoliosis
Thank you guys :)
I am going to start and try really hard. I had started ignoring the mail that kept coming through the door but now i realise i cant keep doing that.
Thank you everyone for your feed back ill let you all know how i get on
:)
-Chantelle xx