Three Months On From This...

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Hi guys,

I’m Not Happy and I’m Ashamed

So it’s a little bit more than 3 months but the wonderful news is that with the cash I’ve saved so far I’m getting on a plane to see my boyfriend!!

Things have improved - not just the massive slashing of credit card interest (and now it’s at a more manageable level they are throwing 0% balance transfer offers at me) but this is what has really changed...

I took action. I got help. I had help offered. And everything changed.

I went from living each month in desperation, fear and blind trust that the universe would provide (well, we all need that really), to feeling a sense of control, of confidence in my own ability to manage money.

I’ve stalled a little bit, I could be more aggressively transferring between cards, but I just want to wait until I’m back in case I get called by the fraud team (again!) and I know I could save a lot more money on my day to day outgoings, but I need a minute. I’ve been working hard on this for 3 months and now is my moment to go on holiday, live like a millionaire in a 4-5 star resort that I got a massive 75% off on Expedia(!) and maybe even blow some money on a jet ski. (Just a rental - don’t worry!)

Because just like losing weight and getting fit, we can enjoy the journey and the gains (or losses) but I know that I never would have done this, never moved out of that terrible position I was in, if I hadn’t had the incentive of freeing myself up from debt so that I could make plans and see the man I fell in love with last year.

Having got my act together I can finally sit down with him and talk about our future together with confidence and peace, instead of panic, in my heart.

Much love, Pearl x