u/MentalPrompt5084

edit: I’m not looking for sympathy or advice on clearing the debt itself, I know what I need to do. I’m looking for advice on how to navigate life and maintain my mental wellbeing while having virtually no money left over.

I have around £20k debt (loans, credit cards and arrears with utility companies) with an absolutely tanked credit score. Debt consolidation loan is not an option for me. I also rent in the uk so any kind of insolvency or debt plan will probably prevent me from finding somewhere else to live if I needed to. I also have disposable income so I wouldn’t get accepted for anything like that anyway. I got into this situation through a mix of ADHD (diagnosed a couple months ago and now on medication), being very irresponsible and not being taught how to be financially-savvy by anyone.

After all my outgoings, including minimum debt repayments and food, without spending a penny more, leaves me with around £300. I have 2 jobs; one 9-5 and a self-employed side hustle which varies in earnings. Sometimes I have more than £300 left over. The interest on all my debts is really high. My longest loans final payment will be in 24 months. I have absolutely no savings.

How the hell do I survive, cope and manage? I already know that my only real option is to just not buy anything at all until the debts are paid. Cut back on anything non-essential. Plough every spare penny into my debts. I was kind of on track with it, but it just seems that unexpected costs are flying at me left, right and centre, so any disposable income ends up going on car repairs or vet bills, etc.

Has anyone else been in a situation where they pretty much had no disposable income and just had to live like a pauper for a few years? How did you do it without being chronically depressed? Any tips to make it less soul-crushing?

edit: I’m not looking for sympathy or advice on clearing the debt itself, I know what I need to do. I’m looking for advice on how to navigate life and maintain my mental wellbeing while having virtually no money left over.

I have around £20k debt (loans, credit cards and arrears with utility companies) with an absolutely tanked credit score. Debt consolidation loan is not an option for me. I also rent in the uk so any kind of insolvency or debt plan will probably prevent me from finding somewhere else to live if I needed to. I also have disposable income so I wouldn’t get accepted for anything like that anyway. I got into this situation through a mix of ADHD (diagnosed a couple months ago and now on medication), being very irresponsible and not being taught how to be financially-savvy by anyone.

After all my outgoings, including minimum debt repayments and food, without spending a penny more, leaves me with around £300. I have 2 jobs; one 9-5 and a self-employed side hustle which varies in earnings. Sometimes I have more than £300 left over. The interest on all my debts is really high. My longest loans final payment will be in 24 months. I have no savings at all.

How the hell do I survive, cope and manage? I already know that my only real option is to just not buy anything at all until the debts are paid. Cut back on anything non-essential. Plough every spare penny into my debts. I was kind of on track with it, but it just seems that unexpected costs are flying at me left, right and centre, so any disposable income ends up going on car repairs or vet bills, etc.

Has anyone else been in a situation where they pretty much had no disposable income and just had to live like a pauper for a few years? How did you do it without being chronically depressed? Any tips to make it less soul-crushing?

I (26f) have ADHD. My partner (29m) is disabled. Before I go any further, I want to explain that our financial situation is caused by irresponsibility. Taking out debt when we shouldn’t have, and not budgeting appropriately. Living above our means pretty much. I need to sort this out.

I have 2 jobs, one 9-5 and another self-employed business. Between my 2 salaries, I have around £4600 per month after tax. My partner has always worked part time. He used to bring in around £1500 a month, however this has fluctuated both up and down throughout our relationship.

He really struggles to hold down jobs. I believe this is due to the industries he has always worked in - they just aren’t suitable for him. He would absolutely thrive in self-employment however doesn’t have the skills or qualifications required to start his own business. He recently lost his job and is now claiming benefits and only gets around £750pm.

Our monthly outgoings are around £5000 total. This is made up of essential bills, pet expenses (including day care for our dog), subscriptions and insurance/medical payments, and debt repayments (around £1000 a month in debt repayments). As it stands, we are not completely living pay check to pay check but we aren’t far off. Our debt collectively is more or less £18,000. His is £12k, mine is £6k. All mine are credit cards, his are loans. The last repayment on any of his debt is in precisely 24 months. As mine is CC debt, there is no end date. I only pay the minimum as I cannot afford more.

Before he lost lots of work hours, we were attempting to just attack his debts first, mine second. At this point, we had at least £1000 left over after our bills.

I know he should get a better/higher paid job. It’s not that simple though. I really wish it was. He realistically cannot get a full time job without this cycle repeating and the income forever fluctuating. He can only work part time. He is looking for work currently but in the uk, it’s really hard to find something. All the part time jobs he has seen are a long commute away but he has his son so he can’t travel that far. Due to my other job being self-employed, the income is never guaranteed. The cost of living is not just affecting us in terms of increased outgoings, but it’s also affecting clients, so they can’t afford to do business with me. I absolutely cannot live off my 9-5 salary alone.

My credit score is absolutely tanked. My partner’s is really good. We rent, so if we opt for any kind of insolvency or financial agreements, we will both have terrible credit scores and insolvencies on file and I fear we won’t be able to find somewhere else to rent if we ever have to leave our current home.

What I am trying to say, is I need to figure out a way to combat our finances without banking on more money coming in. I will definitely struggle with not spending more than the bills. Idk how people do it. I just needs to advice on how to get out of this situation or what others would do in my position. Is it even possible to live happily for at least the next 2 years spending no money until we pay our debts off? It’s honestly making me extremely depressed and I feel so hopeless.

I (26f) have ADHD. My partner (29m) is disabled. Before I go any further, I want to explain that our financial situation is caused by irresponsibility. Taking out debt when we shouldn’t have, and not budgeting appropriately. Living above our means pretty much. I need to sort this out.

I have 2 jobs, one 9-5 and another self-employed business. Between my 2 salaries, I have around £4600 per month after tax. My partner has always worked part time. He used to bring in around £1500 a month, however this has fluctuated both up and down throughout our relationship.

He really struggles to hold down jobs. I believe this is due to the industries he has always worked in - they just aren’t suitable for him. He would absolutely thrive in self-employment however doesn’t have the skills or qualifications required to start his own business. He recently lost his job and is now claiming benefits and only gets around £750pm.

Our monthly outgoings are around £5000 total. This is made up of essential bills, pet expenses (including day care for our dog), subscriptions and insurance/medical payments, and debt repayments (around £1000 a month in debt repayments). As it stands, we are not completely living pay check to pay check but we aren’t far off. Our debt collectively is more or less £18,000. His is £12k, mine is £6k. All mine are credit cards, his are loans. The last repayment on any of his debt is in precisely 24 months. As mine is CC debt, there is no end date. I only pay the minimum as I cannot afford more.

Before he lost lots of work hours, we were attempting to just attack his debts first, mine second. At this point, we had at least £1000 left over after our bills.

I know he should get a better/higher paid job. It’s not that simple though. I really wish it was. He realistically cannot get a full time job without this cycle repeating and the income forever fluctuating. He can only work part time. He is looking for work currently but in the uk, it’s really hard to find something. All the part time jobs he has seen are a long commute away but he has his son so he can’t travel that far. Due to my other job being self-employed, the income is never guaranteed. The cost of living is not just affecting us in terms of increased outgoings, but it’s also affecting clients, so they can’t afford to do business with me. I absolutely cannot live off my 9-5 salary alone.

My credit score is absolutely tanked. My partner’s is really good. We rent, so if we opt for any kind of insolvency or financial agreements, we will both have terrible credit scores and insolvencies on file and I fear we won’t be able to find somewhere else to rent if we ever have to leave our current home.

What I am trying to say, is I need to figure out a way to combat our finances without banking on more money coming in. I will definitely struggle with not spending more than the bills. Idk how people do it. I just needs to advice on how to get out of this situation or what others would do in my position. Is it even possible to live happily for at least the next 2 years spending no money until we pay our debts off? It’s honestly making me extremely depressed and I feel so hopeless.

This is so random but has anyone else noticed an increase in certain stims, specifically hair playing/twirling?

I’ve always played with my hair, but since being on 50mg of Elvanse, it’s gotten way worse. Like constant. To the point I’m actually getting some thinning and damage.

I know some people end up actually pulling their hair out, but mine is just playing with it.

As you all know, it’s bloody hot right now. I’m in the uk and I feel like I am MELTING. It’s so difficult to cam because no matter how I sit or what I wear, all I can think about is how hot and sick I feel. I have 2 fans and I do the whole leaving curtains shut, windows shut blah blah blah. It’s making me soooo tired, which in turn makes me less “fun”.

Add on the fact that the World Cup is on, the economy has crashed and the cost of living, it takes me so much longer to hit my daily goal. That’s if I even hit it.

Ugh it’s making me so depressed. I literally NEED this money to live and survive.

Hey yall. I’ve been on Elvanse for just under 2 months. Started at 30mg and then moved to 50mg. I get bad side effects at the beginning but then it settles down but I don’t find it’s doing a great deal? Disappointing since I’ve heard amazing things about it.

Has anyone had any better luck on any other medication? For reference - I know some people like the way Elvanse works but they don’t like the side effects, that is why they changed to something else. I’m specifically looking for examples of when Elvanse didn’t work in terms of any benefits or dealing with ADHD symptoms, but something else did.

Thanks in advance!

Some possibly helpful info - I have combined type ADHD, and I am a woman with PCOS who doesn’t get my monthly cycles, nor on any BC. I am considering switching from Elvanse to Concerta. I started on 30mg Elvanse, up to 50mg after a month. I haven’t really found that Elvanse does much for me. It’s very up and down, and there are days where I feel like it gives me some energy or possibly helps me not be so tired in the evenings (I take it a bit later in the day than most, at around 9:30am) but that’s pretty much it.

I’m going to ask to move over to Concerta (or anything methylphenidate based) instead. I’m wondering if anyone got more of a benefit from Concerta? I guess I am skeptical because Elvanse is supposed to be the gold-standard of ADHD medication and if it didn’t work for me, I’m already anticipating that methylphenidate won’t either. I understand everyone reacts to medication differently.

Also, on the back of that, does Concerta last as long? Or can you get boosters for it? Longevity is important for me as I work 2 jobs.

So I started on 30mg Elvanse a month ago. I posted on here before about how I felt virtually no difference. Even when reflecting on my daily habits, I didn’t feel it made any difference to my life whatsoever. I started on 50mg Elvanse today and honestly it’s just as underwhelming.

My partner is also on 30mg, and he literally loves it. Makes him way more productive and enjoy life. It’s so frustrating watching him get these benefits while I am still struggling.

I really thought a dose increase would help. I’m not kidding - I feel NO different to the 30mg. And I know it’s the first day, but with nearly doubling the dose, I thought something would happen. I didn’t feel it taking effect and I’m still as unmotivated and unfocused as usual.

I’ve been on 30mg Elvanse for 4 weeks, as I’m in titration. It’s increasing to 50mg as of tomorrow.

I found that the 30mg only really had an effect for like 4 days, alongside negative side effects which lasted just under 2 weeks. Now I don’t feel it at all - maybe more alert? That’s about it.

I’m really feeling hopeful for the 50mg and I’m excited to try it? I’m wondering if anyone was in a similar situation to me but found the increase to be as life changing as people say Elvanse is? Or just general experiences.

Hey ladies! I’ve been camming (UK) for about 3 years on Adultwork only. I am looking to branch out and possibly sack off AW for good. I have 2 questions:

1. I much prefer being able to go into a group or Pvt call with paying customers only. I do dabble in free mode about half the time, and I don’t mind it, but I don’t like the CB-type of frees where you’re broadcasting a full sex show to everyone and anyone and relying on tips. I also really care about discretion and feel that that kind of streaming will get me caught by someone I know. What sites are good for group/pvt calls with the ability to go into free mode without nudity and the intention of enticing someone into a group/private call?

2. I’m terrible with technology. How do I stream to multiple sites at once? As in, how do I deal with multiple convos on the go at once? And how does it work with going into group/private calls if multiple people on multiple sites are trying to call me? Ugh it sounds overwhelming

I have a full time job and I do this as a side hustle however it would be SICK if I could do it full time or drop my 9-5 to part time and make the rest on cam; I just need to earn more.

I’m on day 4 of 30mg Elvanse and so far I’ve pretty much only experienced side effects and no benefits but I reassure myself by understanding that this period of low dose is just to help me get used the chemicals so that I can eventually increase and start feeling those benefits. It’s frustrating but I just have to be patient.

I’m just wondering if this was the same experience anyone else had and if you did eventually find the right dose for you, what was it?

Would be nice to have some hope :)