Another Debt Free Diary :)

looktothefuture

ElizabethJH wrote: »

This whole forum is making me think so differently about everything I do! Instead of just thinking oh well I deserve the treat I've realised that in order to get this debt down every penny is going to count!!

Doesn't it just? I saved a whopping £17.50 yesterday because I'm fed up with having to fork out £25.60 a day for my travel to work, and that's excluding the parking so instead I drove 15 minutes to the nearest station with an oyster card reader and viola... only £7.00 travel and £6.00 parking!

Really feel like I'm making some ground... it still doesn't take much to knock me down at the moment due to the Pay Day Loans and Reserve Charges taking all my money... and Mr Bailiffs But I'm proud to tell my Mom that I'm really trying this time... and not just my normal trying this feels real

When I reveiled all to my mom, she was dissapointed to say the least but she can see how hard I'm working to get my debt down and we chat about new ideas I can use to save some more money - you see, mom was once in the same position as I am at the moment and she is now doing well and is now debt free :T Clever mommy!

ElizabethJH

looktothefuture wrote: »

When I reveiled all to my mom, she was dissapointed to say the least but she can see how hard I'm working to get my debt down and we chat about new ideas I can use to save some more money - you see, mom was once in the same position as I am at the moment and she is now doing well and is now debt free :T Clever mommy!

My Mom has been chronically disapointed with my debt since I was the age of 18.. she didn't understand as she has never been in a position of debt.. always lived within her means even when my Dad got made redundant.. to be honest though she's always willing to support offer advice.. when I had my head buried I didn't want that.. I didn't want her reminding me of the trouble I was in!! So in the end I started avoiding her.. it got a bit better this year but still that was mainly because I lied about my debt... yes yes it's going down mom!! Now I'm phoning her every other day to tell her and my dad about the new thing I've done.. she had a half hour conversation about Qype.. my Dad was informed of my free anti virus software immediately etc etc and (I'm getting a bit teary now) It's nice to have that relationship back properly where I'm being honest and if I need support then I now I can get it!!

Well done on the travel costs by the way.. bet it feels great to have that extra money towards your debts... I thought my £47 a month pass was expensive enough :eek:

looktothefuture

Couldn't help noticing you call your mother Mom like I do... Are you South African by any chance?

looktothefuture

ElizabethJH wrote: »

... I didn't want her reminding me of the trouble I was in!! So in the end I started avoiding her.. it got a bit better this year but still that was mainly because I lied about my debt... yes yes it's going down mom!! Now I'm phoning her every other day to tell her and my dad about the new thing I've done..

Hmmmm I was doing this as well. My mom was getting really upset as we did have a very close relationship until I got into debt and then I stopped calling her or avoiding seeing her because she just knows me that well she'd have picked up straight away that there was something wrong with me or that I was lying!

We now talk all the time - it really bugs my partner - about how she did things when she was heavily in debt and it's such a good relationship now I don't think I'll ever hide something like this from her again!

ElizabethJH

looktothefuture wrote: »

Couldn't help noticing you call your mother Mom like I do... Are you South African by any chance?

ha ha - that's just what I was taught - my grandparents on my Mom's side were Irish so maybe it come's from that?

ElizabethJH

looktothefuture wrote: »

it's such a good relationship now I don't think I'll ever hide something like this from her again!

I feel exactly the same.. knowing how happy she'll be when the balance is zero is worth so much more then having the extra money to spend or save

looktothefuture

ElizabethJH wrote: »

ha ha - that's just what I was taught - my grandparents on my Mom's side were Irish so maybe it come's from that?

Possibly, although it's nice to see it written like that and it wasn't written by me!

looktothefuture

ElizabethJH wrote: »

I feel exactly the same.. knowing how happy she'll be when the balance is zero is worth so much more then having the extra money to spend or save

I'm planning on paying off my 4 smaller debts before the end of Jan (hmmm not quite sure how though ) and I've said when I do I'll wrap myself in a bow and stand in Trafalgar Square with a billboard saying "Well on my way to being debt free" - I'll invite you via webcam! LOL:D

ElizabethJH

Well that'd be amazing if you managed to clear that! And I'll hold you to the billboard dare you'll have to post a photo on here at the very least!!!!!

looktothefuture

ElizabethJH wrote: »

Well that'd be amazing if you managed to clear that! And I'll hold you to the billboard dare you'll have to post a photo on here at the very least!!!!!

:doh:Doh.... I might just have to!