How has your attitude changed?

ms_london

Old_No.7 wrote:

Hi, in response to someone asking about a book to learn about finances: what I found really useful was A Girl's Best Friend Is Her Money (it's a publication from the Motley Fool, but you can get it from Amazon etc). I got it through a workshop where this book was used, and it really kicked things off for me in terms of money saving/being a clued-on consumer. That, and working for an investment bank for a bit: that job made me realise how much money the banks make off us all, how all the "little" bits we have to pay them for add up to a humongous amount of money for them.

This is my first post, so not sure what the etiquette is, but just wanted to include a Happy New Year to you all!

I have to say that "A Girl's Best Friend is Her Money" is an EXCELLENT book & definately a motivating factor in why I wanted to be debt free & therefore financially independent. Definately a must read!!!!

ms_london

dibdab wrote:

I just love this site and only found out by chancing upon the TV show. Everyday I am utterly amazed to read threads/advice from some of the people who are so in debt yet gladly give advice to newbie's with a smile - and keep on giving.

I wish everyone knew about this site regardless of whether they are in debt or not as it is a real eye-opener.

A fantastic community of people making a difference to not only their lives but others as well and I thank you.

Here here. We definately need to spread the word :0) This site is excellent, as dibdab says, whether you are in debt or not.

ms_london

Everyone knows my story. And although I am debt free, I have still been sticking to a budget, and now the smallest things make me happy.

Last week I found a voucher for a "free beauty treatment" (it come with the labels we order at work....a perk of the job I guess!!), and that made me happy!!

I ordered 3 books from amazon, which I have wanted for AGES, and got them at a good price using money off codes from here, and that made me happy!!

I dont need to spend £100's on clothes anymore. A £3 skirt from primark will do the trick, I just LOVE finding bargains & getting things for as cheap as I can. I have definately changed so much and am happier than I ever was when I was running up the debt. I do admit, I need to losen up a little, as I have gone "too far the other way", but saying that, I am happy to say that I have £2,100 in savings so far & can pay £1,000 a month into my travel fund, and to me, thats worth it.

I bought some straighteners (again, using the discount codes on here) and since they arrived I havent opened them, let alone used them. I am honestly thinking about returning them (although Ive waited about 6 months to buy them), but then I think what that £70 will buy me, and what that can buy me on my rtw trip.

Happy New Year everyone. Good post Sarah, we all know that you're a nosy gal ;0)

Me too, I love it!!

xx

southernscouser

ms_london wrote:

Everyone knows my story. And although I am debt free, I have still been sticking to a budget, and now the smallest things make me happy.

Last week I found a voucher for a "free beauty treatment" (it come with the labels we order at work....a perk of the job I guess!!), and that made me happy!!

I ordered 3 books from amazon, which I have wanted for AGES, and got them at a good price using money off codes from here, and that made me happy!!

I dont need to spend £100's on clothes anymore. A £3 skirt from primark will do the trick, I just LOVE finding bargains & getting things for as cheap as I can. I have definately changed so much and am happier than I ever was when I was running up the debt. I do admit, I need to losen up a little, as I have gone "too far the other way", but saying that, I am happy to say that I have £2,100 in savings so far & can pay £1,000 a month into my travel fund, and to me, thats worth it.

I bought some straighteners (again, using the discount codes on here) and since they arrived I havent opened them, let alone used them. I am honestly thinking about returning them (although Ive waited about 6 months to buy them), but then I think what that £70 will buy me, and what that can buy me on my rtw trip.

Happy New Year everyone. Good post Sarah, we all know that you're a nosy gal ;0)

Me too, I love it!!

xx

Cheapskate! :rotfl:

ms_london

southernscouser wrote:

Cheapskate! :rotfl:

You hit the nail right on the head SS.

Love all you guys. Be back on Tuesday (c/o work internet access).

xxxxxxxxxxxxxxxxxxxxxxxxxxxxxxx

JuliaF_3

Since picking up Martin's tips I have become increasingly stringent about my finances and am the ultimate credit card tart!
My prob is; I built up a huge student loan whilst at Uni (never kept track- doh!) I've now been working for nearly 5 years and still have over £11,000 left to repay. This is coming off at source at about £110 per month, but what I was wondering was, is it possible to put the whole lot on a credit card and pay it off at 0% ? Would this make it cheaper? It also means I could pay off whatever I could afford each month (hopefully more than the £110 they are currently taking). I have 2 0% cards at the mo (for £3000 and £800) which aren't near their limit (I never purchase on a card- these are just balance transfers from when I was really hard up!)
Any advice appreciated
Julia

summerday

Hi Julia, I have sent you a pm to help keep this thread on topic look at the top of the page where it says Welcome JuliaF and click on private messages to view it.
Sarah.x

glitter58

Hi I have only been reading this thread for a while and I just had the same idea as you did cathy.
I am going to save this thread for my sons to read as I see them getting into the same trap as I am in now after remortaging over and over and consolidating or clearing ccs on several occasions.
I am going to have a long chat with my other half tomorrow evening and take the bull by the horns and sort our finances out.
glen

make_life_easier

This is my year for clearing all my debts (excluding mortgage), so far I worked so hard in transfering and shuffling all my debt so I didn't pay loads and loads of interest, just have to get over the last hurdle before 2007 comes around, I am looking forward to this challenge. (I know it might sound sad but I like to make the most mundane things seem interesting)

Sassy_Saver

This is a pretty old query not sure if you're sorted? Unfortunately you can't pay a bill using a 0% card they generally stipulate only balance transfers or purchases. The thing to do is make a final payment on your loan using one or more credit cards then balance trasnfer the debt to one or more 0% cards. And keep tarting!