I am actually enjoying becoming debt free!!!

justruth

Does anyone else remember that horrible sick feeling when you have your light bulb moment? When you look back at every foolish choice you made and repremand yourself for not making wiser decisions?

Mine wasn't that long ago, but I am LOVING the process of becoing debt free, I am LOVING finding new little ways of penny pinching (I adore the MSE Old style), I am LOVING the little earners like the free scratch cards. I am LOVING the freedom of being able to say no! NSDs get easier as you get into them, and all of a sudden you have cash left in your purse at the end of the week!

Then there is the sense of satisfaction when you pay a bit more off, the annoyance of interest payments that were higher before but you didn't take enough notice to be annoyed, the pride to be dealing with things constructively and feeling of control that you forgot when you got into trouble. Yes I still have debt (and lots of it) but not as much as when I started and you better believe that I refuse to stay in this much debt beyond now!

I have learned the TRUE VALUE of things, and I'm not saying that I don't like nice things, but I think in terms of what I would gleam greater satisfaction out of. Do I want that convenience food - an hour at work, or would I prefer to be able to scrap the extra part time job?

Getting debt free is not always easy, and yes there are dips when it all seems a lot of work and not much progress, so lets celebrate the progress we have made. I for one am ENJOYING BECOMING DEBT FREE, however I won't be sad when I am done!:beer:


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pink_princess

:T Well said justruth ,
I actually get a bigger kick out of saving now than i ever did out of spending.I now make myself save for anything i want.
Plastic is for recycling now instead of spending.:rotfl:

Well done you and keep it up.
PP

justruth

It's great! I get excited by spending nothing!

poorandindenial

Great post Ruth - spot on for how it feels

And this sums it up perfectly:

I for one am ENJOYING BECOMING DEBT FREE, however I won't be sad when I am done!:beer:

southernscouser

justruth wrote: »

I for one am ENJOYING BECOMING DEBT FREE

I for one am getting t!tsed off with it all. :rotfl:

justruth

southernscouser wrote: »

I for one am getting t!tsed off with it all. :rotfl:

You're just upset cos you're nearly there and soon wont have anymore debt to worry about lol!:D

Head-Out-Of-Sand

Great post Ruth I know exactly what you mean...not in a million years did I think I'd ever be excited about budgeting, opening credit card statements, looking at my bank balance...but I am!! The financial-phobic has turned into a moneysaving geek!

First thing I did was open, read and then shred those months and months worth of bank & credit card statements I had shoved in a draw...after that, they weren't so scary any more!!

Keep up the good work, good luck with your debt-free journey! :j

gailey_2

I agree feels good to be doing something and each payment no matter how small brings sense of relief and a buzz.
I know 2009 going to be tough budget wise with lots of sacrafices but if I can be debt free by xmas 2009.

gailey

lostonej

I agree, I'm enjoying trying to get debt free. It's a challenge looking for better deals and seeing the total debt shrink

justruth

gailey wrote: »

I agree feels good to be doing something and each payment no matter how small brings sense of relief and a buzz.
I know 2009 going to be tough budget wise with lots of sacrafices but if I can be debt free by xmas 2009.

gailey

Good luck with that! What a Christmas present that would make!

LittleMissSee

I totally agree! For the past 5 years I have used my debit card every month until it was declined, and as a result racked up heaps of bank charges. I used to just bin statements and permanently had my head in the sand!

Now I'm proud to be a geeek! I check my bank every day and I make a payment to my debts every day (apart from when I couldn't get online last week). I for one can't wait to be debt free, and it feels like a light at the end of the tunnel!