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A life without credit.....

Zebedee69
Zebedee69 Posts: 1,034 Forumite
in Debt-free wannabe
Why Life Without Credit Is Good
For anyone on a DMP or has a BRU or CCJ
  1. You save now, pay when you get it and boy it feels good to OWN something all by yourself. Even if its a 1994 Nissan Micra with the odd rust hole :rotfl: Hey a car's gotta have charm right :T
  2. Even doing the little jobs becomes hard without debit cards or credit cards. Course its a great demotivator when you have to visit the post office in town to top up that special lil gold card (you know the one I mean;)) then come back to buy something on Ebay:o
  3. You listen to people in work talking about their latest platinum super fantastic credit card and instead of thinking "wow that sounds good" you think "You'll pay for it one day :D"
  4. Your wallet has 1 mobile phone topup card, 1 tesco clubcard, 1 hole in wall card & one special lil pre paid gold card (you know the one I mean;)) Instead of 10 bits of plastic that you owe 1000's on.
  5. Its a great excuse for the people in the street selling you stuff. No one wants to know when your a bad risk and its bloody great.... The phone never rings with sales calls (post DMP or BR of course:D) and your homelife is yours again!
  6. Chopping up the cards is a great feeling:D
  7. You appreciate the little things like food, a working car (not the lastest BMW) and a roof over your head.
  8. Your fighting a winning battle rather than putting money into a bottomless pit of charges, charges to pay for charges, charges to pay for charges on charges..........
  9. Your basic bank account no longer pays for the shareholders ball with the charges placed on it.
  10. You meet the lovely people at CCCS or CAB. And they realy are lovely!
Number 11 is the best though...
Getting to meet you guys :beer:
«13

Comments

  • rubydoiwannabee
    rubydoiwannabee Posts: 920 Forumite
    Brilliant...
    No 12: You notice every, every penny. You think about whether you REALLY need something, instead of just wanting it.

    :T
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • Zebedee69
    Zebedee69 Posts: 1,034 Forumite
    No 13: The number of direct debits you have running is cut in half :D Its now a personal goal to have less than 5 forever :beer:
  • hayley11
    hayley11 Posts: 7,627 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    No. 14 You don't have sleepless nights worrying whether you can pay your loan/credit card etc.

    I'll be there one day :D
    :heart: Think happy & you'll be happy :heart:
     I :heart2: my doggies
  • Deep_In_Debt
    Deep_In_Debt Posts: 8,579 Forumite
    Part of the Furniture 1,000 Posts Photogenic Mortgage-free Glee!
    No 14: You have money left in your bank account 1 day before payday. Great feeling!
    Debt 30k in 2008.:eek::o Cleared all my debt in 2013 and loving being debt free :)
    Mortgage free since 2014 :)
  • Deep_In_Debt
    Deep_In_Debt Posts: 8,579 Forumite
    Part of the Furniture 1,000 Posts Photogenic Mortgage-free Glee!
    Ooops! I can't count! No. 15
    Debt 30k in 2008.:eek::o Cleared all my debt in 2013 and loving being debt free :)
    Mortgage free since 2014 :)
  • rubydoiwannabee
    rubydoiwannabee Posts: 920 Forumite
    Deep_In_Debt wrote: »
    No 14: You have money left in your bank account 1 day before payday. Great feeling!

    The best!!! even if it is only £1

    16.. You find your fingers clenching around the money as if to not let go... when you hand over pocket money to your teenager!!
    (or is that just me)
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • *MF*
    *MF* Posts: 3,113 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    17 ... when the post arrives - you open it..... and there is a lot less post!!!
    If many little people, in many little places, do many little things,
    they can change the face of the world.
    - African proverb -
  • Burlesque_Babe
    Burlesque_Babe Posts: 17,547 Forumite
    Part of the Furniture Photogenic Combo Breaker
    18. Your relationship with the postman goes from dread and fear to love and hugs!
    :D"Stay Wonky":D

    :j:jBecome Mrs Pepe 9 October 2012 :j:j
  • rubydoiwannabee
    rubydoiwannabee Posts: 920 Forumite
    hayley11 wrote: »
    No. 14 You don't have sleepless nights worrying whether you can pay your loan/credit card etc.

    I'll be there one day :D

    Me too... a long way off for me though.
    From one big brother fan to another.x
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • rubydoiwannabee
    rubydoiwannabee Posts: 920 Forumite
    19. You are able to show your face and hold it high in the branch, rather than just using online banking.
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
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