What will you change first?

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Comments

  • TismE_3
    TismE_3 Posts: 151 Forumite
    Definatly a holiday, with all the trimmings, new clothes, decent spending money, for myself OH and the girls, all inclusive, somewhere sunny and scenic..lazy days with no worries ....bliss!

    haven't had a holiday in 8 years :o(
  • Funny, but the things I used to think mattered - nice car, gadgets etc really don't bother me anymore - I want the satisfaction of having all zeroes on my debt spreadsheet more than I want things!

    It does worry me, though, that if I get all my debt paid off I'll suddenly feel rich and be just like I was all those years ago when I got my first payslip and started down the slippery debt slope.

    I think gradual re-introduction of treats is the way that'll suit me - but I'll always be Money Saving. My problem wasn't so much what I spent my money on as a complete lack of budgeting; in future I'll enjoy the treats without guilt. My income's good, it's just been wasted on interest and rubbish.

    The big thing my wife and I have agreed to do, though, is travel. Hopefully we'll still have our health (on current plans she'll be 55, I'll be 49) so we want to enjoy that luxury while we still can. She's been an absolute star - she could afford a summer holiday but has missed out because I can't pay my way yet.
    Long-haul Supporters DFW 120
    Debt @ LBM (October 2007): £55187
    Debt Now (April 2014): £0
    Debt-free-date: [STRIKE]July[/STRIKE] April 2014 :j:j:j
  • taplady
    taplady Posts: 7,184 Forumite
    First Anniversary Combo Breaker First Post
    Funny, but the things I used to think mattered - nice car, gadgets etc really don't bother me anymore - I want the satisfaction of having all zeroes on my debt spreadsheet more than I want things!

    It does worry me, though, that if I get all my debt paid off I'll suddenly feel rich and be just like I was all those years ago when I got my first payslip and started down the slippery debt slope.

    I think gradual re-introduction of treats is the way that'll suit me - but I'll always be Money Saving. My problem wasn't so much what I spent my money on as a complete lack of budgeting; in future I'll enjoy the treats without guilt. My income's good, it's just been wasted on interest and rubbish.

    The big thing my wife and I have agreed to do, though, is travel. Hopefully we'll still have our health (on current plans she'll be 55, I'll be 49) so we want to enjoy that luxury while we still can. She's been an absolute star - she could afford a summer holiday but has missed out because I can't pay my way yet.

    I totally agree with you Billy!:T cant wait till all our wages is actually ours .
    The one thing we want to save for is a small camper van so DH(not in the best of health) can have regular weekends away and DH wants a whippet for his retirement:D so it can come with us.
    We cope pretty well most of the time but it will be great to have a bit spare for emergencies and not worry about getting to payday without going overdrawn.
    Do what you love :happyhear
  • taplady wrote: »
    I totally agree with you Billy!:T cant wait till all our wages is actually ours .
    The one thing we want to save for is a small camper van so DH(not in the best of health) can have regular weekends away and DH wants a whippet for his retirement:D so it can come with us.
    We cope pretty well most of the time but it will be great to have a bit spare for emergencies and not worry about getting to payday without going overdrawn.


    Just like the book 'Narrow Dog to Carcassonne' if you've read it? Although you wouldn't be in a canal boat, naturally :D
    LBM February 2008. DFD March 2013 19 August 2011
    Debt at LBM £14,395.48. Debt Now £0
  • angelicmary85
    angelicmary85 Posts: 4,977 Forumite
    There was a thread like this started a few weeks ago, it's an interesting read as there is so much people want to do but can't quite manage it just now.

    I just want to be comfortable and not have to worry about staying in budget all the time! (and maybe be able to afford a take-away every so often so I don't have to slave over the cooker!)
    Started PADdin' 13/04/09 paid £7486.66 - CC free 02/11/10
    Aim for 2011 - pay off car loan £260.00 saved
    Nerd No. 1173! :j
    Made by God...Improved by the The Devil :D
  • JOANNESAPHINE
    JOANNESAPHINE Posts: 118 Forumite
    I'm with you Fatpiggy on that one. I've lost interest in spending now. Have got my debt down to £600 and a mortgage and would like to start saving for replacing our car in years to come without a loan for the first time, would like to pay my mortgage off a little earlier and would love some rainy day savings to give me some security when the car needs expensive repairs and things like that.
    Every day is a new life to a wise man.
    Sufficient for the day are it's own worries.:cool::cool:
  • mogwai
    mogwai Posts: 1,252 Forumite
    First Post First Anniversary Combo Breaker
    Great thread - spent a nice few min thinking about what I'll splash out on..

    I do like travelling, so will probably up my travelling quota - probably do lots of adventure holidays in exotic places

    Will do more for charity

    Will buy myself some nice (non 'primani') clothes, lol..

    Will buy nice furniture for my house, and a quirky gadget every now and then

    All the above done in an MSE way of course, and keep saving
    We got rid of the kids. The cat was allergic. ;)

    Debt at LBM (Sep 07): £13,500. Current debt: [STRIKE]£680[/STRIKE] [STRIKE]£480[/STRIKE] [STRIKE]£560[/STRIKE] [STRIKE]£13[/STRIKE] £0 overdraft :D
    Current aims - to start building up savings
    1st £1000 in 100 days - £1178.03 :D 2nd £1053.38/£1000 :D 3rd £863.59/£1000 :o
    :j
  • natsing
    natsing Posts: 555 Forumite
    I want to save for a new car, and maybe a holiday, short breaks in the UK are great at the moment but a full week abraod, that would be lovely!
    Debt free 11/05/11!

    Savings £4000/ £300
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