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Need a serious kick up the bum!

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:
  • 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!!
I can and will do this!
Away with the speed of a thousand turtles!

Comments

  • Ninno820
    Ninno820 Posts: 765 Forumite
    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.

    Ninno
    44 day challenge


    1. Pay £650 off overdraft (£ 288/ £650)
    2. Lose 12 lbs (4.5/ 12)
    3. Use YNAB everyday (6/44)
  • beanielou
    beanielou Posts: 95,838 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You can do this :)
    I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.

    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.
  • 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 Saturdays
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