Loved life a wee bit too much!

InaPickle

boysma wrote: »

Thank you. Have been lurking for a few days now:o I need someone like you to motivate me to save money and get my debts/mortage paid off. Have been a PAD member for quite a while now but keep going off the boil if i cant keep up with the daily payments:(. It does get me down at times then i realise how lucky we are that DH and I are both in jobs and can at least pay the bills no matter how slowly.

Y'know, PADing is great, but it doesn't work for everyone and their financial circumstances, so if you find it easier to pay things off in lump sums like I do, don't feel guilty about it - it's all about mixing, matching and doing it whatever way works best for you.

Pickle
(reformed PADer )

BEAT_THE_DEBT

Hiya, Boysma you are always welcome here, and pickle come to dinner anytime!
I am down today:(:(:( only £30 of od left oh gets £300 paid in tom. I hate sailing so close to the wind! I have been thinking of ways to get more money like more cc's and increasing mortgage but that wont help at least od is cheap! I just have to keep cards in drawer will prob use mint card for shopping (grocery this weekend though to avoid any bank charges?:o
We have 2 cards active cc's and paying rest off so thats ok isnt it?
I seem to be losing confidence????????:(
Help?
a very defalted btdxx

mum2one

I'm trying this way - were going to turn this into a positive

BEAT_THE_DEBT wrote: »

Hiya, Boysma you are always welcome here, and pickle come to dinner anytime! - can I pu an order in for a chip buttie..... joking aside you've had a compliment about ur food, positive.

I am down today:(:(:( - were all allowed down days, its part of the course
only £30 of od left - may only be £30.00 left but the positive is there is space on the overdratft, your obviously keeping on top of the figures to knoe that, I'm guessing previously yu wouldn't of known that

oh gets £300 paid in tom. - thats a massive positive - so means you only need the overdraft for today, I bet that yoy have everything you need in the house

I hate sailing so close to the wind! - sound mad, but thats abother good step, it has shown the turnaround in the way that you treat money, you know where you are, bet 12 mths ago - that thought wouldn't of even occured

I have been thinking of ways to get more money like more cc's and increasing mortgage but that wont help at least od is cheap! - you thought but you didn't go down the the cc route and maybe toying with the OD idea, but you have taken time to work out what is best for you, the other thing you looked but didn't do it.

I just have to keep cards in drawer will prob use mint card for shopping (grocery this weekend though to avoid any bank charges?:o
You'e taken the cards away from the purse, "prob use mint card" - I'm guessing that yiu've looked at all other options, prob used is a maybe, not I'l round wild round the supermarket thoughts.... thought about bank charges

We have 2 cards active cc's and paying rest off so thats ok isnt it?
This to me sums up all the positive - "paying off" 2 cards active, some people have 10..... some people may not agree but I always think you need a credit card incase of emergency, and its to hand

I seem to be losing confidence????????:( - "seem to be" - your not losing confidence, you just haveing a wobbly moment, think of it as beig at a road junction, your not quite sure which way to go, hence its the senic route not the fast motorway - where you could burn out on.
Help?
a very defalted btdxx[/QUOTE

I would say call me ur fairy godmother, but I'm more the sugar plum fairy.

Everyone gets these moments with the debt free life, but ur going great guns, maybe work out what your new debt figure is, and it will be below 52k, then put that in your sig, (mine has everything but the kitchen sink, but its a mini motivation for myself), when my debts are paid the 1st thing I'm doing is taking dd to America, I've seen the trip, keep sending for the brochere when it changes, and very sad confession, I stick the cut out in a scrap book, for 2 reasons, one the incentive as thats my goal, and 2 so I can see that the prices have gone up (boo).

I know my loan finishes Dec 2015, but when everythuibg else is sorted, I want to be able to have thoselast few months loan money ready, I can only pay off a 4 points through the term. which I know that I can't do, but the comprismise I can make is to have the few months ready, then on personal note be deft free.

Apologies for the ramblings, xx

In_my_dreams

BEAT_THE_DEBT wrote: »

Hiya, Boysma you are always welcome here, and pickle come to dinner anytime!
I am down today:(:(:( only £30 of od left oh gets £300 paid in tom. I hate sailing so close to the wind! I have been thinking of ways to get more money like more cc's and increasing mortgage but that wont help at least od is cheap! I just have to keep cards in drawer will prob use mint card for shopping (grocery this weekend though to avoid any bank charges?:o
We have 2 cards active cc's and paying rest off so thats ok isnt it?
I seem to be losing confidence????????:(
Help?
a very defalted btdxx

Try not to be too deflated, we all have up and down days. I logged into my egg account where all my card information is and just sighed at how bad it is but it can only get better. Look at what you've done and how well you've done (((hugs))))

BEAT_THE_DEBT

Thanks both. Mum 2 one you are so kind to have taken your valuble time to break down my post and help me back to being posotive! Thanks so much!
You are right we have all we need! And i suppose i am on top of things!
Thanks.xxx

mum2one

:EasterBun
Nearest I could find to a bar of chocolate, had to virtual, were mse girls. xx

BEAT_THE_DEBT

Right enough wallowing it wont change things!!!!! I have kicked myself up the bum and i am back!!!!!!!!!!!!!!!!!!!!!!
BTD

mum2one

BEAT_THE_DEBT wrote: »

Right enough wallowing it wont change things!!!!! I have kicked myself up the bum and i am back!!!!!!!!!!!!!!!!!!!!!!
BTD

If we can't have a wallow on here, its a poor look out, the debt free trail not the best, and your among friends xx

BEAT_THE_DEBT

If i knew then what i know now. On the up side i am 37 so lots of saving years left!!xxx Anyone know what i mean. We are so lucky in so many ways i have no right to moan!xx

macgirl

That's true, we are very lucky, but it's all relative and the debt free journey is not an easy one.
Could you promise yourself, that you won't buy anymore Christmas Presents but instead pay extra off your cards?
Or scour the house for Ebayables, perhaps do the Make £10 a Day challenge or Ebay Challenge to spur you on? It's free listing this weekend too!

Try not to be too down, but maybe changing tac will produce results