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How does debt/money saving impact on your life?

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How does debt/money saving impact on your life?

edited 30 November -1 at 1:00AM in Debt-Free Wannabe
48 replies 9.8K views
rubydoiwannabeerubydoiwannabee Forumite
920 posts
edited 30 November -1 at 1:00AM in Debt-Free Wannabe
How does debt/money saving impact on your life?

Positives
I am in control
can account for and decide upon every penny spent
my attitude towards credit and debt has changed completely

Negatives
Apart from the lovely people on this site I do not know anyone else with debt (although I am not asking and they are not sharing)
The restrictions can be very tough at times
It can be hard to have fun when you have ALWAYS associated it with spending in some shape or form.

I could go on adding entries to both lists, but thought I would ask the question of everyone here on this grey bank holiday evening.

:D


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The good you do comes back to you.
DFW Long haul supporters No: 134
;)
«1345

Replies

  • GemmzieGemmzie Forumite
    14.9K posts
    Evening ruby,

    Guess for me it's good and bad as it's not my debt but I still feel responsible in part. But I'm glad they are finally getting their dimmer switches turned up!

    For my money, I love being in control, I know that I can go out and spend money on big items and not feel guilty because it's my hard earned cash but friends think I must be rolling in it because of things I have. Nope, just careful :D
    No longer using this account for new posts from 2013
  • Gemmzie wrote: »
    Evening ruby,

    Guess for me it's good and bad as it's not my debt but I still feel responsible in part. But I'm glad they are finally getting their dimmer switches turned up!

    For my money, I love being in control, I know that I can go out and spend money on big items and not feel guilty because it's my hard earned cash but friends think I must be rolling in it because of things I have. Nope, just careful :D

    Hi Gemmzie
    That is the place I aspire to be one day.... buying things that I WANT because I CAN..
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • hypno06hypno06 Forumite
    32.3K posts
    Positives
    • The first thing I do when I get up is log onto MSE
    • I spend most of my spare time on MSE
    • Last thing I do before I go to bed is check on MSE
    Negatives
    • The first thing I do when I get up is log onto MSE
    • I spend most of my spare time on MSE
    • Last thing I do before I go to bed is check on MSE
    :o
    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)
  • Hi Hypno,
    I know just what you mean.... my DH is convinced I am having a cyber affair!!!:rotfl: :rotfl: :rotfl:
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • Hi

    I totally agree with all of your positive & negatives. There's no doubt that its hard, very hard to pay off the debts.

    My list is:-

    Positives

    In control of finances and actively sorting them out.
    After being burnt by bad debts once, it has hopefully learnt me a good lesson not to do it again :mad:

    Negatives

    EVERYTHING costs money

    Its hard to economise when you have young children.

    Can't keep up with friends when they have outings & holidays etc.

    Fed up of being the "Poor ones", but I haven't the energy to pretend we have got money, so I just play to poor card whenever they are doing anything that costs money.

    Work all hours god sends and we are still broke :o

    Ok moan over :D :rolleyes:
    Very £262 / Bank of Scot - £1360 /
    Lloyds cc - £2529 / Barclay cc £2844 / MBNA £5546
    :idea: January 2019 = £12541
    1p per day / 365 days
    1K Emergency Fund Challenge
  • GemmzieGemmzie Forumite
    14.9K posts
    I can't at the moment, I don't have an income :rotfl: But on the bright side, I choose to leave work and I can manage until the end of October because I have savings! :T
    I was £3k in debt when I started posting here
    No longer using this account for new posts from 2013
  • Hi Steph,
    I couldn't agree more... we are always saying we can't afford it sorry!! The children have had to stop doing things because we can't afford it (well probably couldn't ever) but it is worse for them to have had something and then had it taken away, e.g. tennis coaching, ballet etc.

    And everything costs, there is no such thing as a cheap day out with children.....

    (sorry.....:o )

    Guess I just wanted you to know you are not alone.:D
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
  • sistercassistercas Forumite
    4.8K posts
    Part of the Furniture Debt-free and Proud!
    ✭✭✭✭
    hypno06 wrote: »
    Positives
    • The first thing I do when I get up is log onto MSE
    • I spend most of my spare time on MSE
    • Last thing I do before I go to bed is check on MSE
    i totally agree its addictive isnt it:D

    positives

    I know every penny coming in and out of the house
    nothing is wasted anymore
    being part of this site is the best thing that has happened to me in ages i have learnt so much :D

    negatives

    all my family and friends seem /are well off
    I havent bought any new clothes in a while
    cant give the kids all they ask for ( maybe thats a positive ;) )
    forever going round after kids turning lights off:mad:
  • lol @ hypno

    My positives are:
    • I finally realise the value of money and understand what I should be able to do with my salary when I am out of debt
    • I now have the will and inclination to get out of debt
    • I have been able to share what I have learned on here with loads of my friends
    • I have got to know loads of lovely people on here
    My negatives are:
    • I am now officially boring when anyone mentions anything that they are thinking of doing that involves money (I am getting predictable with my, "have you checked out....?" or "is there a voucher for ...?" or "Have you heard of quidco? they will pay you for that")
    • I am sick of beating my self up for any spending misdemeanour (there have been many of late) and can't wait to get debt free so that the self-flagelation can stop
    £34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
    Sealed Pot #389 (2010=£133)
  • Hi Sistercas
    I wonder if the people we look at and think are well off have secret debts too... or is that me just trying to make myself feel less alone.

    We are in our 40's and I wish we had had our LBM in our 30's!!!!!!
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    ;)
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