Hi, I'm new xx

moneysavingmaia

Hi All

I have been reading threads on here for quite a while and have managed to sort out my debts through all the help and advice given out (which i have pinched!!) to other people.

I am currently in a position where i have a manageable debt and my mortgage, have done soa etc on my own and brought everything possible down, may even have enough self control for new years resolution which is to start a rainy day savings account !!

Anyway, thanks for all the advice, albeit not given directly for me, I plan to stick around and carry on picking up hints and tips and other new years resolution is to log onto this site every day so that i keep up the good work.

I think you are all amazing and some of the stories are really heartwarming !!

Maia xx

hula-hoops

Welcome!

Good for you that you have been able to realise how to deal with your debt before it gets out of control. If only I could have done that...

Good luck with it!

Numpty_Monkey

Don't just lurk, jump in
Before long you'll feel able to post hints tips advice to others

doodledo_2

Hi and welcome to forum.

Definately join in you will get so much friendly advice and banter.

Its a brilliant place to be as everyone on here understands your situation.

Good luck with your debt free journey.

poorandindenial

Hi msm

Welcome to the boards. It is great to hear that you have already made use of the info on here.

Grab a cup of tea and stick around. I am sure that as an ex lurker you know the deal by now:

-daily chat thread for, err, chat, as is night owls.
-Challenges are great for getting you motivated (I am not even sure how many I am part of now ) and
-if you want to keep track then do a diary and we an all come and play on it (especially if you are braver than I have ever been and post a SOA)

Anyway, I am waffling on and only meant to say hello :wave:

moneysavingmaia

Thanks for the welcome messages, have signed up for 4 no spend days in November, i know its not a lot but am still playing on being new for a while !!

i may be brave enough to post my SoA one day but have been lurking for a good few months so am (kinda) confident its as good as i can get it (for now!)

Am aiming to get christmas over with without incurring any more debt and then revising SoA again in the New Year :xmassmile

So far have both kiddies presents and most of rest of family and friends :beer:
am also saving spare change for christmas food treats for us all. what else can i be doing that breaks me in slowly ??? (and i mean slowly )

M x

clearmydebts

Hi,

Welcome and well done for getting your debt down to a manageable level. You must be delighted! I am also going to try and not incur any more debts during Xmas. I always find it hard to resist spending though!

poorandindenial

Join us on the 100 day challenge (probaby on page two or three today) some people have joined later and are doing it until xmas when the rest of us finish.

You have to nominate things that you usually buy but that you won't buy until after xmas. There are lots of people doing toiletries, chocolate, cake etc etc. depends what your spending weaknesses are (if you have any)

Nomad25

Hello msm - we are happy to have you on board. In reply to your question:

am also saving spare change for christmas food treats for us all. what else can i be doing that breaks me in slowly ??? (and i mean slowly )

Have a trawl [it will take you quite a while] through the moneysaving old style board - they've got all sorts of stuff on there - and if you into making and doing, tons of ideas for Xmas.

Also pop in and out a few of the gentler threads with the odd post - you'll soon be hooked.

Nomad25

Here's the link:

http://forums.moneysavingexpert.com/forumdisplay.html?s=&daysprune=&f=33

oh and by the way they are not o/s, they are very 2008!

cazzab_2

Hi - I too have been 'lurking' for some time - picking up tips and advice. I have recently started to post, and joined a couple of challenges - it's becoming a bit of an obsession though! Think I'll go and have a look at the 100 day challenge now...!