Conducting my therapy in public.

therapyinpublic

Something has dawned on me over the last few weeks –  a realisation about what exactly I’m doing in this blog.

No doubt this penny should have dropped sooner and you guys have probably been aware of it for months but it’s only just occurred to me that:

I am conducting my therapy in public. 

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My ten step plan to getting out of debt

Hello! It’s me! I’m back. I’m sorry for the absence – although I’m sure you’ve all been very happily going about your summer and not giving it a second’s thought…anyway, it’s been a couple of weeks since I last posted, which is the longest I’ve been since starting this project.

So what’s been happening? Well, I haven’t been following any self-help for August – but I have been helping myself by continuing to face up to the finances and doing a lot of paid work.

So an update on the finances:

In the last post I was in the midst of epic self-loathing about my two GIANT overdrafts and hefty credit card bill.

Reading that post back I realise I wasn’t actually giving you the full scale of my panic at the time. I have an overdraft on my business account which I’m not going to go into just now  (one debt at a time) – but my PERSONAL debts totalled more than £10,000 which is a pretty massive number in my book. In anyone’s book.

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More money stuff…

Hello all, how’s everyone? I’m very sorry for the silence… Since my television excitement (and it really was exciting, thank you to everyone for the good feedback), I’ve been busy doing paid work (thank you, editors) and wading through my finances.

Last week I discovered that Barclays has introduced new fees which mean I am now paying £3 a day for my giant overdraft. That’s £92 a month. The good news is that a) I actually noticed this  – before I wouldn’t have been looking at my statements and that b) – it’s yet another wake up call.

Mum also pointed out, quite rightly, that I would spend that on coffee most day without even thinking about it. She’s right. So the trips to the coffee shop have stopped. So has eating out and drinking out. I had cut down but it’s not been enough. I am not going to buy another overpriced gastro-pub burger until I’m out of this hole. There, that’s my public promise.

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I was on the telly!

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Hello all, how’s everyone? This is just a quick one because I think that a lot of you saw it already but I WAS ON THE TELEVISION last Thursday, talking about the blog. It was a morning television show called This Morning and it went very well, or at least I thought it did.

Mum was less convinced. Her very first comments afterwards; “Was your mouth dry? Your mouth seemed very dry.’ I don’t know how you know if someone’s mouth is dry – or why she felt she had to lead with that observation – but she thought I looked nervous at first but I got the hang of it as it went on.

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