Lay off the alcohol

I’m sure everyone thinks this at this time of year after the festive period and socialness of it all but I’m thinking in general. I feel I’ve been relying on alcohol a lot to make me temporarily happy but I binge drink and always get sooo drunk I don’t remember most of my fun nights out. Then I have a 2 day hangover and sore feet! I’m not saying at nearly 30 I’m too old to keep doing this at all as I’m not but maybe I need to cut back. Also the amount I’m spending I could be saving towards my place I want sometime this year.

I need to start thinking of priorities. I need to find other ways of having fun without getting wrecked.

I have so many thoughts going through my head…due to many reasons but including:

  • It’s a new year and I need to make some changes in my life…small but still changes that will lead to big changes eventually to better myself and my life
  • Need to sort out my debt issues and start saving and paying them off more than I am
  • I’m currently ill with a chest infection and possible pneumonia so I’ve got plenty of time to think
  • I want to make my parents and family proud of me in all aspects of my life and prove I have my shit together once again

I’m feeling positive that I can do this so hopefully this thought stays with me! All of these will help me with my depression and help me to learn to love myself again then who knows maybe I’ll meet the right guy who will truly love me…here’s to 2016! 

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Unable to see the light

Money issues have been on my mind a lot today and I just can’t see a way out of this debt. The problem I have is that I have 3 credit cards and I’m paying the minimum amount every month, with my interest rates I’m actually only contributing 1/4 of the money that I’m paying each month so I’m wasting 3/4 on interest! How will I ever pay them off?! 

I can’t imagine literally using all my spare money to start paying more off though as I feel so low as it is and need a treat now and then and night out etc otherwise I’d be even more worried about myself and my sanity.

I was due to part exchange my car and get my new car and I’ve been refused finance on my new car even though I already have an existing contract with them. It’s really embarrassing as L is the guy dealing with it and I don’t want this to put him off me but also I was looking forward to getting my new car.

If anyone has any debt advice out there please do let me know, I’m about to get a pay rise at work in a month and half but it’s not much but still it’s something and I’ll start putting a little extra in one of the cards so I can start seeing it lower. It’s so depressing. So I’ve been sat in tears again tonight, I just want to run away and forget about money issues and all issues! Fed up of this and I don’t want to be unhappy, life is too damn short!