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You know you're a debt free wannabe when...

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You know you're a debt free wannabe when...

edited 21 July 2009 at 8:15PM in Debt-Free Wannabe
58 replies 11.1K views
Dinah93Dinah93 Forumite
11.3K posts
Bake Off Boss!
✭✭✭✭✭
edited 21 July 2009 at 8:15PM in Debt-Free Wannabe
1. You get excited for payday, not because you can buy new treats, but because you get to pay more off and update your signiture.

2. The most used programe on your windows start menu is Excel.

3. You go out for a meal for your birthday, and it feels strange not coming home to write a report afterwards.

4. You've told all your family, co-workers and vague aquintances about Quidco. They're scared of you but have joined anyway.

5. You can give the exact points to cash conversion of tesco clubcard, nectar, and boots advantage.

6. You get excited when you find a free points offer for any of the above.

6. Random strangers stop you at work to ask for money advice as one of your colleagues said you were a walking calculator.

7. You can't remember the last time you went to the cinema and actually paid for a ticket. As a result you no longer think it is remotely odd to watch horror movies at 10.30am on a Sunday morning.

8. Your bank manager can't understand your piggybanking system so just gives you the new current account anyway on the assumption you must be good with money.

9. Emergency spending of a £2 coin causes you to break out in a rash.

10. You feel guilty if your lunch isn't out of a tupperware container.

11. You can give the interest rates of all your loans, credit cards and savings accounts in under 3 seconds, but have to pause to think about your mothers birthday.

12. The man on the checkout in Tesco dreads your arrival with stacks of vouchers.

13. Your hubby buys a bar of chocolate from the machine at work and you look at him as though he just swore at a nun - does he not now how much they cost?!

14. You get a rush of pleasure that you didn't have to accelerate or brake at all for the 300m up to the roundabout, free petrol!

15. You get more emails from survey companies than people you actually know.

16. All spends can be mentally calculated as a percentage of debt, and hastily returned to the shelf.

17. The local post office ladies do rock paper scissors each time you turn up with a new bag of ebay parcels to send out.

18. You refer to Martin as though he's a member of your family.

Realised the above today when I got sadly excited noticing my payday is less than a fortnight away and I'll be able to make a nice big change to my percentages in my signiture - feel free to add more of your own!


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Debt January 1st 2018 £65,773.65
Debt November 1st 2018 £55,564.51
£10,209.14/15.52% paid off
Met NIM 23/06/2008
«13456

Replies

  • tirlittantirlittan Forumite
    3.4K posts
    Debt-free and Proud!
    Very good! :)
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • shop-to-dropshop-to-drop Forumite
    4.3K posts
    Love it! So me especially the one about the chocolate machine. He gets that look when he buys a magazine too.:D
    :j Trytryagain FLYLADY - SAYE £700 each month Premium Bonds £713 Mortgage Was £100,[email protected]/6/08 now zilch 21/4/15:beer: WTL - 52 (I'll do it 4 MUM)
  • Dinah...genius!!

    Only one I dont have is number 8 but expect this after continuing with all the others for a few months.
    DFW 228 LONG H 68
    DFD 2017 :eek:
  • gwen80gwen80 Forumite
    2.2K posts
    Great post, Dinah. I noticed in your sig that you paid off your debt at quite a rate. I hope you don't mind me asking, but how did you manage it? Do you have a diary I could read for some tips?
    Though no one can go back and make a brand new start, anyone can start from now and make a brand new ending
  • http://forums.moneysavingexpert.com/showthread.html?t=1646411

    This is Dinah's current diary with a link to the debt repayment one. Its a fantastic read and she is an inspiration to many. Enjoy!
    DFW 228 LONG H 68
    DFD 2017 :eek:
  • ClootiesMumClootiesMum Forumite
    1.6K posts
    Dinah - Excellent

    And can I add -
    You listen in horror to conversations where people have paid WHAT :eek:

    for their holiday/car/furniture/even utilities and struggle not to say "Do you know you could have ...... and saved a fortune?"
    • Weight loss – 0/84lbs
    • Books read 0/26
    • Taken control of my finances – banks & tickler file checked each day
    • Dave Ramsey BS 0 completed
    • Dave Ramsey BS 1 completed
    • Things out of house - 10/2018
    • Alcohol drinking days - 2/104
  • gwen80gwen80 Forumite
    2.2K posts
    http://forums.moneysavingexpert.com/showthread.html?t=1646411

    This is Dinah's current diary with a link to the debt repayment one. Its a fantastic read and she is an inspiration to many. Enjoy!

    Thanks angelflower! Hopefully I'll get some hints and tips. I seem to have hit a wall!
    Though no one can go back and make a brand new start, anyone can start from now and make a brand new ending
  • LeeSouthEastLeeSouthEast Forumite
    3.8K posts
    Debt-free and Proud!
    God, I feel terrible. ALL of the above apply.
    Starting Debt: ~£20,000 01/01/2009. DFD: 20/11/2009 :j
    Do something amazing. GIVE BLOOD.
  • Dinah93Dinah93 Forumite
    11.3K posts
    Bake Off Boss!
    ✭✭✭✭✭
    I'm awful - I generally tell them hoping they can return it and get it again cheaper!
    Debt January 1st 2018 £65,773.65
    Debt November 1st 2018 £55,564.51
    £10,209.14/15.52% paid off
    Met NIM 23/06/2008
  • Lois_and_CKLois_and_CK Forumite
    578 posts
    Totally agree with all those. Excellent post. I can add wanting to go back in time and bang my past-self's head against a brick wall :wall:

    I came across old credit card statements today while clearing out some paperwork and I just can't believe that person was me :o

    Here's what going to one wedding cost me:

    A new dress - because god forbid I wore something I already had. Cost - £90

    Shoes - even though I had four million pairs of shoes already, none of them were quite right. Cost - £40

    A body control slip that cost £66 - yes £66 :eek: - to go under the above dress. I wore it for around 3 hours and 20 minutes, then took it off for the evening do because I felt like I was being tortured. It's never been on again. A diet would have been cheaper.

    A thingy for my hair - feathery clip thing. Never wore it since (obviously - unless I want to look like a moron in Sainsbury's). Cost - £20.

    Present - £50 (I hardly know them as well, but it was the cheapest thing on the wedding list).

    Hotel room - £155 (oh god I could die of the shame. We stayed in the same hotel as the bride and groom because we thought it would be a nice 'treat' for us. There was a premier inn down the road.)

    Spa treatment - what the heck. £40.

    And I can't remember how much we spent on drinks, but a cash withdrawal the day before was for £150.


    Total cost of being guests at one wedding (and being a moron) - £611.

    Seeing those old statements horrify me. At least I learnt though. I went to a wedding last month and spent £40 :T - that included a present, a couple of drinks and a taxi home.
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