We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Time to Change!!!!!
Options
Comments
-
Do you really have to put this on hold? Your situation is not so dire that you can't get back to this. Modify the budget for it. It's going to take a while to pay the debt back, you can't put your entire life on hold until then.
I agree - make room in your budget to do this - it doesn't have to be as expensive as you made it before, so reach a compromise with yourself.....it will make your debtbusting actually a lot easier as there are bound to be some tough days where the debt seems never ending!
It would extend your debt free date by a couple of months, max but it would make your life a whole lot more bearable if you were able to smile from time to time!Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
back when i last did it, it cost me:
gym member ship - £25 per month
food - £120
supplements - £50
it seems a lot when i write it down, is that too much too spend on myself for a month???0 -
In in the same situation Scott! Luckily i still leave at home so have been concentrating at paying off! But i am soooo mad with getting myself in this mess! But on the positive i have learnt young!
Danielle
February GC £26.68/£2500 -
scottswald wrote: »nothing would make me happier than to start doing that again. even just thinking about it brings a smile to my face.
Definitely go back to doing this. If you're out and about doing something you enjoy it stops you spending on other things to make you 'happy'. If it's something you really enjoy it's worth the money surely?It's not how far you fall - it's how high you bounce back.... :jHappiness is not a destination - it's a journey
0 -
OK, so allowing yourself £200 a month for gym etc, that still gives you the best part of £800 to throw at the debt to get it gone quicker.
Seems good enough to me!
Believe me, I have still spent thousands on sport while I have been debtbusting (for my kids, not for myself - they ski.....a lot.....) but I have incorporated it into my budgets and have cut back elsewhere instead.
And I have still managed to get my debt reducing at a reasonable rate - ok, if I didn't spend £10k plus a year on the kids skiing, my debt would be gone quicker, but hey, we all have to have *something* else in life!Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)Life begins at the end of your comfort zone (Neale Donald Walsch)0 -
At least I didn't get you with my pointed stick.....** Total debt: £6950.82 ± May NSDs 1/10 **** Fat Bum Shrinking: -7/56lbs **
**SPC 2012 #1498 -£152 and 1499 ***
I do it all because I'm scared.
0 -
:cool:Definitely go back to doing this. If you're out and about doing something you enjoy it stops you spending on other things to make you 'happy'. If it's something you really enjoy it's worth the money surely?
yes, seems obvious when you say it like that...
OK, so allowing yourself £200 a month for gym etc, that still gives you the best part of £800 to throw at the debt to get it gone quicker.
Seems good enough to me!
Believe me, I have still spent thousands on sport while I have been debtbusting (for my kids, not for myself - they ski.....a lot.....) but I have incorporated it into my budgets and have cut back elsewhere instead.
And I have still managed to get my debt reducing at a reasonable rate - ok, if I didn't spend £10k plus a year on the kids skiing, my debt would be gone quicker, but hey, we all have to have *something* else in life!
wow, expensive habit!!! lol
At least I didn't get you with my pointed stick.....
you're mad lol, but funny:rotfl: 0 -
DanielleNic87 wrote: »In in the same situation Scott! Luckily i still leave at home so have been concentrating at paying off! But i am soooo mad with getting myself in this mess! But on the positive i have learnt young!
Danielle
hey danielle, really glad to hear some one roughly the same age has got the same kinda problem!!! how are you coping with your debt?0 -
Hi Scott
Wow, things have changed a bit since this afternoon, how many visitors have you had now?
Agree with previous posts, you need to be able to go out and do things you want to while still beating your debts, allow yourself something in your budget for gym membership etc, otherwise if you're bored and fed up your debt busting won't last and you'll be back to square one again.
Good luck, and see you around the forum - there are loads of lovely helpful and friendly people on here and lots of support to be had.
spoon
x The time you enjoy wasting is not wasted time
0 -
yeah! it's coming on great solventspoon!
little bit more good news, found a cheque for £31.25 in my wardrobe, not much at all but every little helps i suppose!!!0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 350.9K Banking & Borrowing
- 253.1K Reduce Debt & Boost Income
- 453.5K Spending & Discounts
- 243.9K Work, Benefits & Business
- 598.7K Mortgages, Homes & Bills
- 176.9K Life & Family
- 257.2K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.1K Discuss & Feedback
- 37.6K Read-Only Boards