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Random MSN Gibberings CII: Jinjad by jancrow

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Ahoy!

Mornin' folks.
Broke a frisbee yesterday. *looks at floor somberly*

Time to get my crisis loan from the jobc*nts. (not to waste on novelty flying discs of course).
How they expect people to survive on 3 quid(ish) a day is a joke.

EDIT: No warnings here either.
And the sun is aggressively shining everywhere non stop again today.
 
Mugz said:
They do increase my anxiety tenfold though, I will be glad when I can finally be rid of them, still owe £500 to quickquid as I could only afford a partial payment this month, but all the others are paid off until I take them out again to pay my rent. It's a horrible terrible circle of doom downwards, but it's my circle and it's my responsibility to get myself out of it.
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Mugz, one way you could look after yourself better would be by getting shot of reliance on ridiculously expensive loans. I had to borrow money off my folks when things were frigging awful for them too (a similar situation to one your family is in by the way). It was horrible to have to ask but the amount I needed to survive for a couple of months was, relatively speaking, a drop in the ocean for them, and once we'd got that out of the way I was relieved financially and also got closer to them because for months I'd been lying that everything was fine. It was better all round.

Oh and most of my money goes on payday loan interest
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So you could temporarily worry your Dad, a feeling which will probably be replaced quite quickly by relief on his part that he's looking after you and that things are straight between you, and sort out a repayment plan with him that actually erases the debt rather than treading water with murderous interest rates and getting more anxious.

the rest goes on food that is too expensive and junk and drink and drugs
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I'd tell you to budget but I'm shit at that. Get to frigging Lidl, you can do a week's worth of fairly bland but relatively healthy food there for about £25. And in the name of all that is sacred stop taking drugs.
 
morning unicorns

mugz, just checked the APR on quickquid... 1734% wtf! no wonder you are having trouble paying them off. that is rape!, don't you work for the NHS? what about lending money off the NHS credit union for someting like 15% to pay off the paydayloanscummers

goodluck cornish :)
 
I'm gonna speak to my dad this weekend, I wont need to take out any sort of payday loan before then anyway, so I will try and bring up the subject and ask him for more money, the problem is that previously when I have borrowed money from others, I end up taking the payday loans out anyway when feeling down, so it starts to spiral again, I wish there was a way to self exclude yourself from the payday loans, they should have that option. I think that it is my responsibility to deal with it myself even if it does cost me more in money and stress. I'm going to budget the food thing though this month though. I'm gonna need some drugs too for the fringe and sunflowerfest. I'm just glad it didn't go tits up this month, it probably will next month though, just taking each month as it comes at the moment.
 
Cornishman said:
Ahoy!

Mornin' folks.
Broke a frisbee yesterday. *looks at floor somberly*

Time to get my crisis loan from the jobc*nts. (not to waste on novelty flying discs of course).
How they expect people to survive on 3 quid(ish) a day is a joke.

EDIT: No warnings here either.
And the sun is aggressively shining everywhere non stop again today.
Click to expand...
I hope you're gonna budget that 3 quid wisely. put some away for a rainy day and that.

Good luck with it today anyways.

Cornwall's beaches should be crawling with wealthy MILFS for the next 6 weeks. charm them with yer frisbee skills and bag yourself a sugarmamma .. <3
 
I have almost unlimited capacity for self-delusion and procrastination. I see similarities in the ways we conduct our affairs. ie we don't, it's all crisis management, we are constantly fighting lots of small fires, running to stand still or whatever metaphor you'd like to pick. I'm not as deep in it as you are, I don't think, but I recognise the way you're thinking. I'm always making excuses to myself and others not to do things I need to do, or putting them the hell off in favour of having a wank or looking out of the window or scraping some drugs together from somewhere (or telling you how to run your life, lol) . Meanwhile the thing which I'm meant to be doing, which I know I should do, goes on the back burner and becomes a disproportionate source of worry, usually to the point where it's completely abandoned because of all the fear and excuses which have grown up around it.

tl/dr Why not give your dad a call today?
 
jancrow said:
I have almost unlimited capacity for self-delusion and procrastination. I see similarities in the ways we conduct our affairs. ie we don't, it's all crisis management, we are constantly fighting lots of small fires, running to stand still or whatever metaphor you'd like to pick. I'm not as deep in it as you are, I don't think, but I recognise the way you're thinking. I'm always making excuses to myself and others not to do things I need to do, or putting them the hell off in favour of having a wank or looking out of the window or scraping some drugs together from somewhere (or telling you how to run your life, lol) . Meanwhile the thing which I'm meant to be doing, which I know I should do, goes on the back burner and becomes a disproportionate source of worry, usually to the point where it's completely abandoned because of all the fear and excuses which have grown up around it.

tl/dr Why not give your dad a call today?
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Kinda described my situation exactly there, I really don't want to call my dad, I don't need the money until the 1st anyway so I'll definitely call him before then. I need to work out exactly how much I'm going to need first though.
 
Fair morrow to you folks :)

I have a semi-sorted sleep pattern! 8(
Well, bed at 3am and up at 10am... But that's 7 hrs and not up too late so I can be a househusband of sorts ;)

Just popping my head in really to say hey, to wish you all as grand a day as you can have and lots of love!
<3~{^.^}~<3

Might pop back sporadically :) Mata ne!
 
Look, I know what it's like to think like that cos I do it too. I know how plausible the excuses seem and how easy it is to put things kind of to the back of your mind in a way that means they're constantly popping back up, each time slightly more scary than the last. I'm really, really good at avoiding what I'm meant to be doing and pushing those thoughts back down with drugs or other avoidance strategies.

'I need to work out exactly how much I'm going to need first' is another way of avoiding it. It's what I'd do too, so I'm being a horrible hypocrite, but work out how much you need to pay back to clear your loans, how much you'll need on top of that and add a little bit more for wriggle room because if you share other character traits with me you'll be overly optimistic about how much money you need and ask for too little. Then add about £50 to that. Should only take fifteen minutes and it's a weight off your mind.

Then, make a big sign saying 'more loans are NEVER A GOOD THING NO MATTER HOW SHITFACED OR OPTIMISTIC I AM' and put it near your computer.
 
I could put that massive sign on my massive pinboard, I keep lots of happy things on my pinboard though, I've even got a message evad sent me in the post once with a smiley face on the note :( :) Is nice to have a happy board.

I would need to ask my dad for close to £1400 and I already owe him £300 so I'd end up owing him £1700 again, it wasn't long ago that I cleared my debts to my dad, the debts from the america incident. I don't want to owe my dad that much, not sure if he could even afford to lend me that much, I would offer him interest on it all, and he would probably have a go at me for getting a new laptop and for going to the festivals and say no.

I need to learn to do it on my own, however stressfull or hard it is going to be.
 
Mugz said:
do some important things please jancrow, continue in the gibberings thread, what important things are you not doing today? Reply in gibberings plz, thanks <3
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I am going to do some important things now. Quite urgent work, and it's a nice bit of work to be doing, I am just scared of starting it and making excuses even though I can see that i) I can actually do it and ii) it should be fun and iii) it's actually quite a tight deadline.

This is the last I'm going to say about this until I find some other excuse to come back here in twenty minutes or so, but don't assume that your dad will say no or be unable to help. I did some CBT a while ago and I know a lot of people big it up like it's a cure for everything but there was a great section on spotting errors in your thinking, usually assuming that there will be a negative outcome when you don't actually know whether it will be a positive or negative one. You might be right with the above, but you might well not be. Find out.
 
jancrow said:
I am going to do some important things now. Quite urgent work, and it's a nice bit of work to be doing, I am just scared of starting it and making excuses even though I can see that i) I can actually do it and ii) it should be fun and iii) it's actually quite a tight deadline.

This is the last I'm going to say about this until I find some other excuse to come back here in twenty minutes or so, but don't assume that your dad will say no or be unable to help. I did some CBT a while ago and I know a lot of people big it up like it's a cure for everything but there was a great section on spotting errors in your thinking, usually assuming that there will be a negative outcome when you don't actually know whether it will be a positive or negative one. You might be right with the above, but you might well not be. Find out.
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Thanks again for good advices, now go and get on with your urgent work, why are you putting it off if you think it could be fun and the deadline being tighter and tighter is only going to stress you out more and make it less fun, get on with it now! :sus:



p.s. just noticed your new location =D
 
Thank you for that advice. You're right. I've just watched that sodding video of the mime. Now I have to choose what music to listen to, then I'll start work. ;)
 
Mugz - Fuck payday loans! Phone the bank Tell em your debit card was stolen. Job done, just dont pay them back. All you'll get is a load of letters for a few months then they calm down and they'll give up. I had 4 at one time, now they're statute barred. They like to threate with court action and other bullshit but it never happens. Payday loan companies are scumbags and deserve to be treated as.
 
Dread calm said:
Mugz - Fuck payday loans! Phone the bank Tell em your debit card was stolen. Job done, just dont pay them back. All you'll get is a load of letters for a few months then they calm down and they'll give up. I had 4 at one time, now they're statute barred. They like to threate with court action and other bullshit but it never happens. Payday loan companies are scumbags and deserve to be treated as.
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Think is with quickquid they have it on direct debit, I tried to cancel the direct debit but it didn't work, I've been tempted to do what you said before and almost did with wonga when I owed them £900 but arranged a deal with them to freeze the interest and pay it over 3 months. I could theoretically take out another £1040 in payday loans today from paydayuk and wonga and then change my debit card details, not sure how I would fight off the quickquid one though.
 
do u do online banking? If so just keep cancelling the dd as soon as they start a new one. QQ is easy money, they're based in us so cant start any kind of legal collection. So after 90 days they just sell the debt to mackenzie hall, who are an even bigger joke. Oh its so refreshing when the time comes to Tell them the statute has passed. Change your account if u have to, just go open a basic one somewhere. Go into rbs on mill road and get a key account, no credit check for that one.
 
I'll wait until I pay back the second half of my quickquid loan before I fuck them over, as then I can take out a larger one before I abandon them. I'm glad to see someone is giving me alternate options that don't require having to borrow money off my dad, but just require me to continue what I've been doing for a long time, avoiding debt collectors. I still have over £5k in debt that the collectors are after, they can't find me at the moment yet as I'm not on the electoral roll and they haven't had a clue where I have been for over a year and a half now.



edit - It's so sunny outside, I might see if my laptop can pick up the wifi from the gym from the bench on the field just outside the gym, then I can sit outside and use my laptop outside for a few hours rather than being stuck up in my room.
 
just keep it like that mate, eventually the statute will run out and you're home free. I would honestly just stop paying them all right now. Debt collectors are a joke and all they can do is hassle u buy letter or phone. The worst that can happen is a ccj but that never happened with any of my payday loans, it's not worth their time. But even if that did happen the court would only make u pay what u can afford, which obviously u would Tell them is ten quid a month. Stop rolling them over too, just cut them all off now.
 
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