Fed up of being skint

LookingAhead

tesuhoha wrote:

I always find birthdays really hard too. Its also my birthday on Monday too and ive made the decision that I am not going to tell anyone and hope that they dont remember. Otherwise theyll all be putting pressure on me to buy a nice dinner and chocs and wine and stuff and I really dont want to spend the money. I know how you feel.

Happy Birthday for Monday tesuhoha! And if you don't mind me saying...they should be buying you the wine & chocs or taking you out for dinner!

ismangil

Hi vixxen,

You're doing really well not being having so little debt. :T

For me, my lightbulb moment was actually to have some kind of budget. As mentioned by Martin on this site, effectively you want to translate non-monthly expenses like car tax, birthdays etc into monthly payments.

I started in November '05, and took about three months to really get the hang of it.

Let me know if this makes sense...

tesuhoha

LookingAhead wrote:

Happy Birthday for Monday tesuhoha! And if you don't mind me saying...they should be buying you the wine & chocs or taking you out for dinner!

Thank you xx

vixxen

LookingAhead wrote:

Happy Birthday for Monday tesuhoha! And if you don't mind me saying...they should be buying you the wine & chocs or taking you out for dinner!

I agree with LookingAhead, tesuhoha make them spoil you!!!

Thanks to everyone for your replies, I'm sure I'll get there soon enough but for the time being my mum had a great idea of bringing up some paint she hasn't used when she visits this weekend. It's not the colour I ideally wanted but at least I'll have one room finished so it'll feel like I'm getting somewhere! Daughter's birthday present is now sorted so all I have to do is cross my fingers and hope nothing else comes up between now and the end of the month and that the money I make on ebay is enough to treat me to a well deserved night out!!

**purpleprincess**

Keep at it!! You'll be debt free before you know it!

tesuhoha

Thank you Vixxen

Old_iron_balls

Im also fed up of being skint.
Its 11.30pm on a warm Friday evening.
All my mates are out on the town and im here infront of my PC :rolleyes:

Its got to be done though.

Lottiepots

Vixxen, you have done brilliantly so far and are an inspiration...

Just try and think about how good you will feel when you have no debts and then that extra £50 a month will be all yours..

Have a nice spend free weekend, hope the weather is nice in your area.. :j

In_Search_Of_Me

How about looking back at your ligtbulb moment & realising how far you've come since then? I've only just had mine & the thought of ALMOST being debt free (about 7 years time in my case!!) would be bliss! I know people who've done it & the feeling is second to none apparently...I know what you mean about things coming up...I've set myself a budget and trying desperately to stick to it but the "emergency fund" went when my back went & I have to spend £53 on osteopath & some kids thought it would be a real laught to walk over my car & smash my windscreen - another £50 and really does feel like a kick in the guts, especially when I am still reeling from how much I managed to amass in debt...makes mefeel physically sick but trying to hold on to the fact that I can do it but its going to take time...hang on in there girl, you're almost there!!

vixxen

Thanks again guys! I've just realised something I haven't done, which for an MSE'er trying to get out of debt is stooooopid! Application for a 0% CC balance transfer underway... D'OH!!