We'd like to remind Forumites to please avoid political debate on the Forum... Read More »
📨 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!
Reasons to be cheerful
Sarah75
Posts: 13 Forumite
Hello everyone,
I know that you'll understand when I say that although I'm dealing with my debt and finally feel confident about the future, there are still days when I feel miserable that I let myself get in this state. I also know that many of you feel the same way so I thought it might be useful to have list of reasons why we should be feeling better about ourselves. So I'll get started.
Reasons to be cheerful #1: We are living within our means.
This is the first time since I started working (14 years ago!) that I am spending less than I earn every month. That's got to be a good thing.
So who's next?
[threadbanner] box [/threadbanner]
I know that you'll understand when I say that although I'm dealing with my debt and finally feel confident about the future, there are still days when I feel miserable that I let myself get in this state. I also know that many of you feel the same way so I thought it might be useful to have list of reasons why we should be feeling better about ourselves. So I'll get started.
Reasons to be cheerful #1: We are living within our means.
This is the first time since I started working (14 years ago!) that I am spending less than I earn every month. That's got to be a good thing.
So who's next?
[threadbanner] box [/threadbanner]
Long Haul Supporter No: 278 
0
Comments
-
Reasons to be cheerful *2: I never lie awake at night worrying about money these days.
First good night's sleep I'd had in months was the day we signed-up for our DMP.:)LBM August 2007Amount Owed £101,068.35
Amount Owed March 2012 £13,449.16
DFD October 20130 -
Reasons to be cheerful #3 - I've finally realised and accepted that more taking on more debt won't ever help me be debt free (only budgeting and paying things off will) 0
-
#4 - not scared of the phone or the postman!DF
0 -
#5 - finally feeling like a grown up! (in a good way)
#6 - being able to take the moral high road with any creditor that calls!!
GxMortgage at 08/10/10: 110k:eek:
Current Mortgage:... £109,200 :eek:
OPs 2011: 100.50/4000
Current MFD: 02/10/45 :shocked: (will be 63!!!)
Make a payment a week challenge TW 100/123.790 -
#7 - Seeing the numbers go down instead of up (in my case down from a terrifying £53,000 to the current £18,000)
As well as all the others reasons 1 to 6.
Great thread, OP. It's good to focus on the positive!!0 -
No8. Spending time with the kids doing free fun stuff rather then dragging them round the shops!Only the Mortgage to go!!!0
-
No 9
Reason to be cheerful,
After ignoring a debt from a buy now pay later i called them explained a bit of hardship yesterday and they offered me 50% reduction so i cleared it in full and felt lighter straight away2025 Wins ::
*Gok Wan Ultimate Mummy Makeover - Jan2025
*P&O 2 Week Caribbean Cruise - March 2025
*£500 TOG24 voucher - April 20250 -
Lovely thread
#10. knowing that after a certain day of the month passes (in my case the 1st), I am free to do with my money what I wish as all payments and repayments are made.Getting married to a wonderful lady on August 10, 2012.
Need to save up, lose weight, reduce my money worries and get back to being the real me! :j0 -
OK slightly off topic and a bit sentimental but...
11# Everytime I look at my kids I am grateful to have two happy healthy kids..... So yes we have to scrimp a bit 'til the DMP is finished but compared to others I am very very lucky ....0 -
I agree with Sarah in that it feels great to spend less than I make and save some for retirement.
#12 - I have a loving family that has stuck with me through thick and thin. I am healthy and full of energy, that's definitely something to be happy about as well.0
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 351.6K Banking & Borrowing
- 253.4K Reduce Debt & Boost Income
- 453.9K Spending & Discounts
- 244.6K Work, Benefits & Business
- 600K Mortgages, Homes & Bills
- 177.2K Life & Family
- 258.3K Travel & Transport
- 1.5M Hobbies & Leisure
- 16.2K Discuss & Feedback
- 37.6K Read-Only Boards