We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
📨 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!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
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
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards