I am actually enjoying becoming debt free!!!

justruth

My friend was really positive and supportive of the NSD idea, I explained that I couldn't go to Starbucks because I was on a NSD to stop wasting money, and she liked it, the next day we brought in bits and shared a packed lunch.

mags33_2

I do enjoy becoming debt free as it is coming down but what would make me happier would if halifax would just pass the debt on and stop adding all this interest as now im back to square one if not owing more. My DMC are certain they will pass this on soon but come on mags is trying to reduce the debt but they are increasing everything

Dinah93

Fantastic post. I'm loving setting myself goals and achieving them, and I think a lot of the dfw skills learnt now will stick with me, so hopefully I learnt my lesson early and will have more oppertunity to get what I want in life, which isn't about objects, but experiences and how I want to spend the next 50 or 60 years.

mooomin

I am definitely a geek - no spreadsheet though :rotfl:

I asked for (and got) a years cinema pass for my birthday so I could keep my entertainment budget down.

I check online banking daily, do NSDs and PAD (And am totally addicted to PAD)

I have set up my 2009 Sealed Pot and am paying all my change under £1 into it. If I have money left at the end of the week, that goes into the Sealed Pot too, even if it's shiny £1 coins :rotfl:

This website is amazing and in the short time I have been on here, I have saved a fortune (Recently haggled my phone contract down to half price!) and learnt some habits that will stay with me for a long time.

And the most important thing? The people on this site are the most supportive, caring and friendly people you could wish to meet :T:T:T

bathgatebuyer

I wouldn't say I love it, but I don't think my attitude to money will ever be the same again! I do think about every purchase now, and do find it hard to part with money.

pmorrisjones

Thanks to you all. This post has made me think. Count your blessings is an old phrase but sums it up nicely. By the way - where are these free scratchcards please? As my friends and I say - God bless Martin Lewis:money: :A

Chopsie&Chelvis

I'm another spreadsheet 'geek' - updated most days and it keeps me on track. I'm loving not spending money too - hubby can't believe it when he comes through the door and I say 'guess what I DIDN'T buy today?' Ha ha

eco

Hi, I'm not in debt but realise how easy I could be, I'm saving for a car and if I didn't stick to DFW like glue I would get nowhere

justruth

The scratchcards are with bingo sites, you pay in £10, and take it out again then you get a free scratch card each day. You can only have 1 St Miniver account (I am with Butlins) and I have a takeabreak account as well. Minimum win is 10p each a day, (I believe) but occassionally you win slightly more.

I guess the lesson from becoming debt free is the changing attitude to money, that when applied to goals becomes much more useful. My journey isn't about the actual money as such, but having more freedom and security by becoming debt free. For me becoming debt free would mean I didn't have to work the second job to make end meet so I could regain some work/life balance. Every step I take towards that feels a little more freeing.

AlwaysWorking

Since discovering this website and finally taking control of my debt, I'm getting a great buzz from my debts going down. Made out a meal plan for the first time last night and did the shopping with my OH. The shopping bill was less than half what it would normally be and now there is much less chance of things being thrown out unused.