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AIBU?

Share your dilemmas and get honest opinions from other Mumsnetters.

AIBU to ask what you’d do if you were me, as I am in a complete mess?

241 replies

Inacompletemess · 06/11/2019 19:01

My life is in absolute chaos and I need help, but please be kind.

  1. Money, I’m in debt up to my ears.

My take home pay is £2000

Rent - £450
Car finance - £270 (the agreement I have says I have to pay that whether I have the car or not, the car is needed for work so selling it isn’t sensible)
Loan - £280
Bills - £300
Car insurance - £75

In theory I should have around £600 left to play with. It soon goes on petrol and so on. Also, I have credit card debt of around £2000 and an overdraft of £700. Every month I am borrowing money from both to stay afloat. I’ve looked into getting a second job but it’s difficult as I already work full time.

  1. Sad and lonely I’m chronically single. I’ve given up trying to meet someone to be honest. I regret not trying harder when I was younger. Most of my friends either married boyfriends they met at university or spent their twenties prioritising meeting someone. I stupidly didn’t do this and now I’m 38, alone and probably going to stay that way. I LOVE children and it really does hurt me so much to know I won’t have them.
  1. Weight ... it’s fair to say this has never been easy for me. It’s probably why I’ve never met someone. I feel food is my only friend really - I don’t really have any friends any more and I only really look forward to eating, I managed to lose a stone about a month ago but have probably put it back on again in the last two weeks!

I am just feeling a bit desperate really. I wish more than anything I could rewind the last twenty years! But life doesn’t work that way of course.

OP posts:
Beansandcoffee · 06/11/2019 22:02

Move the credit card debt and overdraft to a long term interest free credit card and set up a standing order to pay £50 off each month. Then when that interest free period runs out move the outstanding debt to another interest free card. Do not spend on these cards. Give it 4 years max and you will be debt free.

Weight - start walking. 10000 steps a day to start. Up it a% each month. Join a walking club.

Single - once you are in a happier place regarding your weight get into an online dating app.

ChinaCat345 · 06/11/2019 22:02

Go to citizens advice, and ask for help with your finances.

Find a friend at work who has some slimming world books, and read up on a diet you can stick to.
Really it’s meat, chicken tuna, salad and veg, eggs, etc.

On an evening walk a little, and on days off. Trainers on, and walk about a bit more, round a park, shopping centre etc.

But citizens advice first for help working out your finances. They may be able to recommend some finance advice places, where they will give good advice, free of charge.
Don’t get involved with debt consolidation firms.

Good luck

maddening · 06/11/2019 22:11

What is the car worth? What is left on you car debt?

A bar job is a great way of meeting people, you are on your feet as well so at least you are moving. Just don't get into drinking.

What are the points in dieting that make you "succumb"

morriseysquif · 06/11/2019 22:11

Contact Stepchange for debt advice. Start with 0% credit cards, I swap mine round every 18 months.
Look at Moneysavingexpert website for deals.

Lots of lovely advice here OP

Bayleaf25 · 06/11/2019 22:12

Ask your gp for a free referral to SlimmingWorld or similar. It may only be for 3 months but may give you a kick start. My consultant suggested this to me a few months ago so I assume they may still do this.

P.S I’m 47 and wishing I’d made some of the changes when I was your age so please try to make a few small changes as people have suggested, you will make friends and eventually feel better.

tinyme77 · 06/11/2019 22:14

You are paying a lot for the car and to insure it. Can't you get a cheaper car?

Italiangreyhound · 06/11/2019 22:17

Agree with Justaboy

"... i'm wondering to add to the greif if your possibly suffering from mild depression I don't think you'll do far wrong just talking to your GP?"

As worriedmumtoteen said "You have lots of time. Don’t waste it being negative."

I had my first child at nearly 40 and adopted at nearly 50.

I met my husband through a dating organisation and I do think you can tackle all this and find love or a family or whatever but you do need to find your inner positive voice.

Inacompletemess · 06/11/2019 22:18

My credit is just awful, I wouldn’t be eligible for 0% interest cards.

I have tried slimming world before and it didn’t really work for me - I do actually do quite a lot of walking as I have an active job but at the size I am it makes little difference.

I think I’m screwed, if I’m honest.

OP posts:
Glacecherrychops · 06/11/2019 22:21

Why post then?

You've asked what people would do if they were you and they've told you. Maybe read through the answers and consider making meaningful changes to improve your life?

Inacompletemess · 06/11/2019 22:23

I have read through the answers. Gosh. I am not blaming anyone, except me, obviously. It’s just I can’t see a way out.

OP posts:
morriseysquif · 06/11/2019 22:27

If you borrow and pay back, your credit may not be awful. Check your score and work hard to meet payments. If you pay back, you get to borrow.

I will PM you sideline to earn more money and might help socially too .

cannycat20 · 06/11/2019 22:28

You will get good advice from many people on here; you might also find the Debt-Free Wannabe forum on the moneysavingexpert.com website very useful. I think someone else already mentioned the site and it's a mine of, well, money saving tips. People regularly post what they call their "statement of accounts" to that forum and others, who've usually been there themselves, suggest ways to help you dig yourself out of what might feel like a pit.

Years ago when I and one of my exes parted, leaving me in a lot of debt, their advice was invaluable. At one point I owed £15K and I didn't think I was ever going to be back in the black, but I managed it. It wasn't quick and it wasn't easy, but I kept going. One of the things that was slowly throttling me, for instance, was that the bank had kept getting me to consolidate, so the interest rates on the loans and credit cards I had were horrendous. On paper I too had a decent take-home salary, but over £400 a month was going on paying off the loan I'd taken out just to survive when I got left high and dry by the ex. And for various reasons I moved rentals a lot, which always cost at least £1,000 up front. Moving to cards with lower interest rates, and eventually to ones with 0% interest for a limited period, really helped, as did keeping a spending diary where I recorded every penny. And I mean, every penny.

Off the top of my head - as someone else has said, do you need the size or style of car you have? Would the lease company let you trade it in for a smaller or more economical model? By the same token, if you were driving a smaller car, it might be that the insurance would go down; if you absolutely have to have that car, then can you look at insurance costs? Compare the market, gocompare, and several other comparison websites can really help give you an idea.

I know there are a few companies that don't use those sites, and I have found, every year, when renewal time rolls around, we do have to use all of the sites to see who's going to give the best deal. When it comes to filling up your car, if you register with www.petrolprices.com you'll be able to find out where the cheapest garages are in your locality. It's free to register and they don't bombard you with spammy messages (unless things have changed since I used to use them). I know it might only seem like a few pence per litre but it does add up. And we're always using vouchers in this household and any discounts we can find - when I'm preparing our weekly shop I usually check on mysupermarket.co.uk which does a comparison across all the main supermarkets of your basket so you can see what's on offer. For things like sugar and pasta we buy in bulk and decant, wherever we can, and our slow cooker and blender are definitely our best friends when it comes to making meals. I used to leave my debit card at home when I went to work and only take a tiny amount with me in case of emergencies, and I always used to take in lunch. As things got easier I'd sometimes treat myself to a bought lunch on a Friday and we had a kitty for coffee and tea.

The same applies to your household bills. Can you see if moving to another supplier would help? Are there any electrical appliances that use a lot of power that you could cut back on? And I'm presuming you're claiming the single person's council tax allowance.

You say you enjoy food but also that socialising is a bit tricky - are there any cooking clubs or dining clubs near you? That way you would be quite likely to meet people who also enjoy a good meal, and socialising at the same time. Or book groups, or yoga classes, or gentle walking groups - Meetup can be a great site to have a look at, wherever you are. People get up to all sorts!

Or there are loads of voluntary things you can help with - you'd be surprised, probably - ask at your local library if they can point you in the direction of the volunteer bureau for your area or just Google. Where I live there are all kinds of things, from working in charity shops (not necessarily on the till) to museum and library work, befriending, hospital radio, choirs, church groups...that's just off the top of my head. And most local hospitals have a volunteers' department and again, people help with all kinds of things - befriending, photocopying, League of Friends (or fiends as one boss used to affectionately describe it). I used to do a lot of evening classes and in my time I've done everything from desktop publishing to belly dancing (that was great fun, and you definitely don't have to be a sylph to do that form of dance, since I'm not, quite the opposite in fact). I met many of my friends that way, or through volunteering.

Oh, and 38 really isn't old to start a family these days, though it might have been once. There are many people well into their 40s who start families now, although some risks may increase. One of my cousins didn't have her little boy until she was over 40, and I worked with someone who didn't get married and have her daughter until she was about 42 or 43. Another friend and her husband adopted in their 40s.

Good luck - and please, take it from someone who thought she'd never get rid of that minus sign in front of her bank balance, or find a happy life again after splitting up with the aforesaid evil ex, you've got lots of lovely, interesting years ahead of you. Flowers Flowers Flowers

SirVixofVixHall · 06/11/2019 22:30

OP I got married at 39 and had my dc in my forties. Close friend met someone in her mid forties through online dating and is very happily married now.
You can meet someone you click with at any age, but prioritise the other stuff for now.
If you want to make friends then you do need to get out and meet new people. Nearest town ? A community choir ? Evening class in something you want to try ?
Weight. Find something you can stick to long term, so maybe only have sweet things on weekends, and be careful through the week, while also making your portions smaller, and avoiding too many refined carbohydrates. I put on a stone last year due to a health problem, and I have lost it pretty painlessly doing the above. I hate dieting, so I need the weekends to be more flexible. You know what you can cope with.

Money . I can’t advise on this as it all sounds very stretched, but you will get good advice on here from someone more knowledgeable.

One thing at a time, and in small steps, or it feels overwhelming.

CouldBeAGreatMum · 06/11/2019 22:33

I think if you could lose a bit of weight initially it would give you a boost and help you feel more positive and motivated about everything. Set yourself a small goal such as losing 5lbs in a month, and then build. Weight loss is purely about calories consumed versus calories burned- it's as simple as that. Not easy, but simple yes. You keep saying your size prohibits you losing weight, but that must simply because you consume more or the same total calories than you burn on average over a week.

Use the free MyFitnessPal app to work out your daily calorie intake were you to lose say 2Ib a week and start from there. Cut out all processed foods and sugar.

Couch to 5k has been designed for people who can't run. There is virtually no running in the first few podcasts, only walking, which you already do. It builds you up gradually. If you can run two steps today, then you can run three steps tomorrow.

Strength training has been proven to burn more calories and generate faster weight loss than cardio. Body weight training can be done at home, as can simple weights. Use a proper plan and do a bit (20mins) every other day to start, alternating with cardio days / long walks.

I don't know if you drink alcohol but stop.

If you need any further motivation other than your own happiness and wish to lose weight, think about your fertility. I mean this kindly as a 40yo who's had a bunch of fertility issues. Being overweight a drastically reduces your fertility. If you do decide to get pregnant, or meet a wonderful partner you are reducing your chance of conceiving quickly / at all and you won't need that additional stress on top of your age to battle against.

Honestly, do yourself a favour and give yourself a kick up the bum now. You only get one life so be who you want to be now. Thanks

Inacompletemess · 06/11/2019 22:33

I’m overweight and unattractive, broke in a house share. Realistically I stand no chance of meeting anybody.

I will try to get to grips with some of the financial advice.

God if only I could go back in time.

OP posts:
morriseysquif · 06/11/2019 22:36

You are not screwed, you need to seize life by the scruff of the neck and give it a good shake. Only you can change things.

You can do it.

Start by some positive affirmations

www.amazon.co.uk/s?ref=nb_sb_ss_i_1_11&crid=347GKGD6PL4AP&sprefix=what+to+say%2Caps%2C147&k=what+to+say+when+you+talk+to+yourself&tag=mumsnetforu03-21

Would this book interest you @Inacompletemess

Please change your name too!

morriseysquif · 06/11/2019 22:39

Keep this thread going, we can be your accountability people!

(we will help you keep your motivation)

Cornishclio · 06/11/2019 22:39

Post on the MSE debt free wannabe forum. We all give very good advice there and you will soon see that you are actually in a much better position than you think. If you only have £2700 debt and £600 spare to live off and pay debt that is easily doable with some discipline.

First off DO NOT CONSOLIDATE unsecured debt. It almost always leads to debt increasing as you need to change your spending behaviour.

Budgeting is the key to getting out of debt so initially set your debt repayments at just above minimum, set some aside as emergency savings when you get paid and move some money into a separate account (many like Monzo or Starling) for fuel, food and essential spends. Cut up the credit card and reduce the overdraft limit each month by £50 or so.

A spending diary is a good way of seeing how much you are spending each month and often having to write it down is enough of a disincentive to spend in the first place.

In regards to your weight, there is no magic answer to this beyond meal planning, healthy eating and exercise. A food diary is again a good way of stopping snacking etc. Keep to 3 meals a day with just fruit/veg as snacks.

I think you could benefit from some counselling as you sound depressed so perhaps see your GP for a referral/treatment.

Italiangreyhound · 06/11/2019 22:43

Inacompletemess

"I’m overweight and unattractive, broke in a house share. Realistically I stand no chance of meeting anybody."

I was in my early thirties, overweight and living with my parents when I met my husband through a dating organisation. You really do need to learn to value yourself.

"God if only I could go back in time." You cannot go back but you can think how you want to reflect back in a decade's time.

Make a plan re finances, weight and things you want to get out of life, small steps, sustainable choices, read up on mindfulness and positive thinking and start to value you what you do have (you have a body that works (my friend is housebound), you have a good job (a relative was out of work for over a year living in crap conditions and barely able to feed themselves), you can drive and you have a car, you are under 40 and so have time to change the trajectory of your life. Please believe we there is time but you will need to find the way ahead.

Thanks
PinkiOcelot · 06/11/2019 22:45

OP, I don’t mean this to sound nasty at all, but you sound very defeatist. Instead of saying I’m screwed, I can’t etc start saying I can, I can. Look in the mirror and say I can.

Debt - could you go to your bank and explain your situation? They could offer you a low interest loan to consolidate your debts.

Weight - small steps. Say you have 3 stone to lose. Don’t think of it all in one go. 1 stone or even 1/2 stone at a time. You’ll get there.

Good luck x

cannycat20 · 06/11/2019 22:45

You're being so hard on yourself - you sound so much like I felt after the evil ex and I had parted ways. (And I've lived in my share of house-share situations too!) You sound like a sensitive, hard-working, kind person who's at a bit of a crossroads. (Approaching 40 is notorious for that. Though personally I like the "50 is the new 30" philosophy...)

Which is your most important goal? Is it getting your financial outgoings down; getting your weight down, exercising and eating more healthily; making new friends; taking steps to make having a family a future possibility, or something else?

Once you've worked out what your most important goal is, then try to break it down into manageable chunks. Maybe set date deadlines, but don't beat yourself up if you don't hit them exactly. Life throws curveballs all the time, no one knows what lies ahead.

One of the lessons I learned was to be my own best friend - so, if your oldest friend or acquaintance came to you in the situation you're in, what would you say to them? How would you advise them? I'm betting you'd be really kind to them and very supportive; so it might help to show yourself that same level of kindness.

Finchy19 · 06/11/2019 22:45

Consolidation rarely works, being defeatist doesn't either. Only you can change things around. Work out a realistic budget and stick to it.

If you want to exercise don't look at sold as a chore change your mind set not 'i have to go for a walk/run/do yoga' But 'I get to do x,y or z tonight'

It's not unachievable but you need to want to make changes even if it pushes you out your comfort zone. You need to do tough love on yourself.

Molly2010 · 06/11/2019 22:46

Think about what makes you happy. There must be something. Focus on it.
I’m the same age as you and have been a sahp for 5yrs. Over the yrs I’ve lost touch with old work colleagues and don’t have any close ‘mum’ friends.
I found a hobby that I enjoy and have been self studying with the aim of starting myself up in business come January. I’ll never earn a fortune from in but I really enjoy it.
If I were you, I’d set myself a date, be it the 1st of the month, pay day, the day your bills go out, wherever motivates you and have it as an ‘all change’ day.
Start working on a plan. Tackle each area with small steps. You’ll be amazed at how quickly small changes can make a big difference.
Someone told me you have to find your ‘why’. Why do you want to change? Why should you keep going and why should you not fall back into old habits. Find your ‘why’.
Oh and don’t be so hard on yourself. I’m sure most people have felt the way you do now at some point in their lives.

Coolwinter · 06/11/2019 22:49

You need to start with your attitude. Go to your gp and ask for cognitive behavioural counseling or do it online.

Forget everything else for a minute. Choose one thing to change. Maybe money and food shopping - pasta is amazing and eat more vegetables. Just one thing. Make it manageable. Don’t skip it. Say cut down food shop by £50 this month by swapping some foods for vegetables and pasta.

Then get everything possible to make you feel good. Ted talks. Free apps on your phone. Write down the advice here. See how many people post here and care. Loads.

Then with that £50 do something really nice for you. Anything. Blow dry and Prosecco sounds good.

Next month. Add another change.

Bet you can do it!

Italiangreyhound · 06/11/2019 22:50

OP please go to a debt charity and get advice from a reputable debt charity.

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