Had a post lightbulb moment and a dawning realisation that...

Legacy_user

I have had an amazing post lightbulb moment. As with most of you I have been paying off my debts etc and it should only be a few months till they are clear. Then I had the realisation that once they are paid off, the money will be mine, as in aside from putting some into savings, its mine to spend on what I like, in an MSE way of course

But that realisation hadnt hit me, we all think, well its this long till Debt free day. On the payday after Debt free date you will have spending money again !

Just going to save some so I dont fall into the same old trap !

BACKFRMTHEEDGE

It'll be wonderful won't it> :j

fairylights_2

I spent yesterday morning bursting into tears (TERRIFYING my kids) when it dawned on me that I've been in debt for 11 years and we're so close now. OH has been paying £150 a month from his pittance salary on his cc since our son was born three and a half years ago. Can't imagine what we're going to do without the pressure. I'm sleeping better, I can tell you!

in*the*red_6

If we had no debts we'd be £421 a month better off. That's a lot of money to us at the moment and now we've changed our ways I think we'd be ok living with that amount extra with just my husband working and me being a SAHM. As it is, I have no choice but to start work again to pay for the life we've already had. I just wish we'd had our lightbulb moment when we had two decent incomes coming in (and thought we were extremely skint)! As it is, I now go into shops and see other people buying things like clothes, cosmetics etc and have to think to myself that spending money is what other people can do, not me. Still got a long, long way to go until we can have our own money again, but I'm determined to do it and never have to live like this again once we have paid everything off.

Fairylights you must be so happy - well done!

ITR

ozzyfan_2

13000 & fairylights you have both done so well :j :j :j

I can imagine how overjoyed you are both feeling & reading posts like yours are what inspires me to do this & keeps me motivated, so thank you & a very well done to you both :T

must_stop_digging

well done :beer:
cant wait for my post lightbulb moment
nice to hear some positive posts as i think it gives people a boost

starlite_2

It's great isn't it..
would have realised eventually but coming cross m.s.e. made me do it faster and easier...
Best wishes to you..it will be such a high at the end..

quick grump though..I hate how 'mse martin' gets all the credit...fair enough he set up this site, but I find much less info in his articles than I do talking things through with others on the boards..especially those that have gon through complex problems and come out on top again.

black-saturn

When it your dent free day likely to be?

tango

In-The-Red was spot on, if we only realised,what being in debt means when we are getting into debt. What is the point of 'paying for the life we have already had' :rolleyes:

D&DD

OMG do you know we'll be £900 a month better off on DF day.....never even thought of it that way 13000 thanks for that,makes me even more determined to get rid of it all...fast!!!

donnalove

Unfortunately i found this board to late our iva was all but completed.
But thanks to reading posts the first thing i did was work out 10% of everything we had coming in and put this away.We do now have savings and also spare money in the bank, as you get used to cutting back, i am now a scrooge lol.But it is so nice now to buy the children things or myself(treated myself to some nice new underware lol as everything falling to bits) and know i have actually paid for it.
I also love telling sales assistants they shouldnt ask people to get into debt via there store cards and should be more responsible lol.

good luck to all you still getting debtfree
donnalove
xx