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!
Lucielle's daring debt free journey
Comments
-
Ok, what's done is done. Ask yourself why you binged - was it boredom, habit etc, then try and prepare for next time you are in that situation and have an alternative way of behaving ready instead.
I know it is pants when things like that happen, believe me, I have plenty of them myself! But I am slowly learning that I have to let them happen from time to time, they are not going to completely ruin my weight loss journey, and as long as I draw a line underneath immediately and get back on the wagon, I can afford the odd blip.
I find that if I listen to Paul McKenna's disk after a "binge day" I get my head back on track quite quickly.
So, draw a line underneath last night, don't beat yourself up about it as there is no way of undoing it, but just go about today with a positive attitude and deal with tomorrow tomorrow!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 -
L - don't beat yourself up - when do you normally get any YOU time?
I'm home alone as well - two weeks at least with no OH and 12/42 days done without the kids - it sounds great but its a bit boring (sorry to winge) my pal was up with her kids last week and it was great to spoil them and cook etc for themTotal debt 26/4/18 <£1925 we were getting there. :beer:
Total debt as of 28/4/19 £7867.38:eek:
minus 112.06 = £7755.32:money:
:money:Sleeves up folks.:money:0 -
Draw a line.
Tomorrow is day 1.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
yep. No point in if-onlying. Start afresh and accept it happened. Will probably do again but no need to see it as self sabotage just a break from useful behaviour,CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 0420
-
hi Lu - none of us can be perfect all the time. Dust yourself off and start againAchieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
Well the Gods were being kind and I managed to stay the same. Took the chaps swimming on Sunday and came home to a frantic phone call asking me to go into 'other' work to help friend out. A bit more paid into the ski fund.
Got paid today and have got a wage rise of an extra 25p per hour!!!! Steady now it might go to my head. Mustn't grumble.
Have made some enquiries into having the old boy go to the big pasture in the sky. Looks like I'll have to save up some more pennies to ensure its done properly and humanely (really dreading it). On that happy note I'm off to bed as not sleeping properly again.
LTotal Debt Dec 07 £59875.83 Overdrafts £2900,New Debt Figure ZERO !!!!!!:j 08/06/2013
Lucielle's Daring Debt Free Journey
DFD Before we Die!!!! Long Haul Supporter #1240 -
I hope you manage to get some reasonable sleep xSuccessful 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
-
What an awful deciscion you have to make.Hope you have a decentish sleep.0
-
aww hope you get a good night's sleep anyway
Congrats on the payrise - if you hadn't asked you would have got nothing probably!Achieve FIRE/Mortgage Neutrality in 2030
1) MFW Nov 21 £202K now £171.8K Equity 36.37%
2) £2.6K Net savings after CCs 10/10/25
3) Mortgage neutral by 06/30 (AVC £27.9K + Lump Sums DB £4.6K + (25% of SIPP 1.25K) = 34/£127.5K target 26.6% 10/10/25
(If took bigger lump sum = 60.35K or 47.6%)
4) FI Age 60 income target £17.1/30K 57% (if mortgage and debts repaid - need more otherwise) (If bigger lump sum £15.8/30K 52.67%)
5) SIPP £5K updated 10/10/250 -
I suppose you've checked out the possibility of the horse/donkey charities? Yep , thought so.CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 0420
This discussion has been closed.
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.1K Banking & Borrowing
- 253.6K Reduce Debt & Boost Income
- 454.3K Spending & Discounts
- 245.2K Work, Benefits & Business
- 600.8K Mortgages, Homes & Bills
- 177.5K Life & Family
- 259K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards