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Need a serious kick up the bum!
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Electric_Mayhem
Posts: 34 Forumite
I'm in need of some help/motivation/a kick up the bum!
I have the best intentions of paying off my debts, and they're slowly getting down, but I have more disposable income than I'm throwing at my debts. I know there's money that's being spent on things that are not necessarily needed right now that we could be paying off the cards.
Sadly, I'm worse than my OH at the frivolous spending
At the moment we're putting maybe $300-$400 per week on the cards, when we could be putting $550-$600 depending on my overtime. And the money just seems to go nowhere.
I need to:
I have the best intentions of paying off my debts, and they're slowly getting down, but I have more disposable income than I'm throwing at my debts. I know there's money that's being spent on things that are not necessarily needed right now that we could be paying off the cards.
Sadly, I'm worse than my OH at the frivolous spending
At the moment we're putting maybe $300-$400 per week on the cards, when we could be putting $550-$600 depending on my overtime. And the money just seems to go nowhere.
I need to:
- Keep a spending diary for everyday spending
- Go back to making my lunch and taking it to work
- NOT buy magazines etc
- LEAVE MY CREDIT CARD AT HOME!!
Away with the speed of a thousand turtles!
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Comments
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TRy the debt snowball (the link is on the thread for newbies). It gives you a repayment plan depending on how much you can spare each month and it turned my debt of over £40000 intoa three year problem - ie I could see an end to it - give it a shot!
If nothing else then you feel as if you are moving a step closer.
Ninno44 day challenge
1. Pay £650 off overdraft (£ 288/ £650)
2. Lose 12 lbs (4.5/ 12)
3. Use YNAB everyday (6/44)0 -
You can do this
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Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Good Luck. You can do it, but just need to be strict with yourself.My Wins: £150 Next giftcard. Rimmel Lip Gloss, Benefit Lipstick and lipgloss. Rimmel Day2Night mascara. Elizabeth Arden Body Treatment Cream. Big Bang Theory T-shirt, Make Up Set, St Tropez Kit, Clipper Mug Tea Set, Rosie Project Book, Kwik Fit MOT. Benefit Make Up Set Dior Star Foundation. VIP Concert Tickets & Meet & Greet with The Saturdays0
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