I'm just having a sucky day. Actually, if I'm honest, a sucky bank account. That's just the way of it. I started my day looking for a way to take out a loan so that I can pay off my overdraft of 15000DKK, and still have some money left to start my education with. I've discovered that the overdraft is just a really vicious circle, (I earn about 7000DKK every month) but once that money is in the account, I still have to use it for bills and food etc. So the overdraft never gets any smaller. It's only that big because I had no other option at the time. Now I'm sick of having it hanging over my head and I desperately want to get rid of it. The idea is that I could take the loan, pay the overdraft, pay my education and then I've got a better chance of paying back the loan in smaller manageable chunks every month and a better chance of a better job because of the education... rather than sitting hanging around and waiting for the moon to drop out of the sky... I've tried to save money, but with one thing after another, it always finishes up being used for an unexpected bill. So I've never anything left.
I SOOOOO need a new job.
I managed to get rid of all my outstanding debts in the UK, so it's about time I got a handle on this and sorted it out too. I've been talking to DH about taking a loan..... and he's suggested that he lends me the money I need and I can pay him back - even if he asks me for the same interest as he would get on his bank account (3.75%) it's still MUCH less than it would cost me to take out a loan from a bank (16-26%). But still, my conscience is not liking this idea - even though I know it's the sensible choice - I don't want to have to borrow money from him. This is my mess and I would feel best if I could sort it out myself. It's my independent streak kicking in again. I need to sort something out before I go on vacation, so that I don't have to worry about it when I come home again.... but I don't want to have to o it this way.
Does anyone know what I'm trying to explain? There's the shame of having the debt in the first place... and then the added "bonus" of being bailed out of it by my DH. I'm angry at myself for getting into this mess to start with. I broke even a little while ago, and I would have removed the overdraft altogether - if I could have survived for tht month without eating. But, slowly but surely, that overdraft was eaten into again because we suddenly hit the expensive end of the year. Birthday after birthday after Christmas and new year after cats vaccines - and mine!
I'm so sick of this.
I SOOOOO need a new job.
Does anyone know what I'm trying to explain? There's the shame of having the debt in the first place... and then the added "bonus" of being bailed out of it by my DH. I'm angry at myself for getting into this mess to start with. I broke even a little while ago, and I would have removed the overdraft altogether - if I could have survived for tht month without eating. But, slowly but surely, that overdraft was eaten into again because we suddenly hit the expensive end of the year. Birthday after birthday after Christmas and new year after cats vaccines - and mine!
I'm so sick of this.