Times of Doubt

Kevicho

What do people do on here when they feel low about there debts

So far ive been ok since ive started down this path of repayment, but i know going without will be tough at times, especially not going out as much, just wondering what methods people use to make themselves feel better?

So far the internet and trying to keep my self busy have worked

And thinking about (finally) sorting my driving licence is a good incentive

On the flip side i also feel like a grade a moron for letting it get so bad in the first place so that doesnt help :S

Entrepreneur_en_faillite

Prozac, beer and sleeping tablets

They work for me!

skintchick

Unfortunately, I go on eBay and buy things that make me feel better. Have been BAAAAD this month.

frosty

This site keeps me motivated,everyday I read what everyones upto .We meet at friends houses for a drink instead of going to the pub (so its cheaper),a lot of our friends are cutting their spending right back,so we all help each other.

ms_london

I had a friend in the same situation when I was repaying my debt, so we could talk/moan/whinge to each other, and support each other when it was tough!! My housemates are on budgets too, so there was never pressure from there to spend this or that..

My friend is still in the same situation I might add, but its her life.

Coming here is a definate motivation, but sometimes you can over analyise money & then you cant stop obsessing about it, I suppose there is a balance, I just never found it :0)

Northernbird_2

Buying occasional small things (ie £3 or less inc P&P!) on eBay (with real cash) makes me feel better instead of spending on a cc in a shop, but compensating by selling my stuff on ebay that I don't want or need.

Wine occasionally gets me through a bad day (I may have to start making it)!

I'm still fighting through to the other side at the moment, but occasionally I feel I've taken a bigger step than last time. That's a pretty good feeling. Planning what I'm going to do with future money (ie what I'm going to pay off) helps me. Getting over little silly (well not silly to me) phobias like opening the mail, answering the phone, looking at my bank balance on the internet.

This site has helped enormously. Sometimes it really has been the only thing that has kept me going on a bad day.

If you're planning, and doing all you can, and budgeting and changing your spending habits, paying off as much as you can, try not to worry needlessly. We all still need to live, and enjoy life whilst getting through a bad patch.

If that doesn't work, how about having a virtual glass of wine with me? :beer:

Xbigman

I had my lightbulb moment and had 3 or 4 months of frantic activity with savings accounts being closed, cards being switched, stuff being sold, etc. I then the worse time of the debt paying process where interest is still significant and there are no more easy ways to pay it off. I simply could not wait for my next wages and it was on my mind all the time. I realized I simply had to get through this period and find other things to occupy my mind, other things that were free that is. I went back to something I hadn't done for years, I started reading again. Initially re-reading a lot of older books I owned but then trawling through Amazon for second hand stuff I was interested in, which I still do even although the debts are gone.

So the thing is to find something else to do to keep your mind occupied. Try something you used to do but gave up, and we all had something we slipped out of at some point unless we are little tiddly twentysomethings.
Regards




X

PS Doing huge amounts of overtime works too :snow_grin

black-saturn

Just seeing the balances going down and seeing my debt free date getting nearer and nearer was enough for me. That debt free day was one of the best days of my life :j

weedav

When I'm bored...

..I bake!

Yummy rock cakes, and flapjacks. Using economy ingredients of course!!!

ryanjbow

black-saturn, I agree with you.

Watching that balance go down and down every month is a good feeling. Paying off credit cards was as fun as buying stuff for me. I even paid $10 a month for a credit monitoring service so I could watch my debt go down and my credit score go up. I don't recommend that though if you're in debt

Kevicho

I agree with the money coming down

it felt good to put 250 into a cc yesterday - keeping up with my spreadsheet