Motivation Tips

SiannieLaz

Hey All,
I've been trying all year to get myself sorted out, I'm on a DMP and I planned to clear all debts and save up at least £5k but so far no real progress:rolleyes:
I have a real problem with motivation and just wondered if any of you DFW had any tips or ideas of how to increase it?
All suggestions most welcome xxx

Sassers

Hi there :wave: I guess you just have to get really determined with yourself.......
Have you thought of Ebay, Clicks and surveys, Scratchcards online, doing competitions to sell on Ebay/Carboots, Mystery shopping.....?
...I have a little box that I've decorated and filled with seven bank bags. Each are labelled Sunday through to Saturday. In each bag there is £9. This is my spends for the day. Anything left over from that each day goes into my PAD (pay a debt a day) pot. I put the next day's spend into my purse and off we go again. I try and have as many no spend days as possible, I do two big shops a month for food (this is approx £40 and lots of whoopsie bargain bin stuff that I make into meals and freeze) so I try and live on between £1.00 and £1.50 a day with food.
The motivation for me to get debt free was minimise spends, stop wanting `stuff' and get a second job. The best lesson to stay debt-free is when it's 5.45am in the morning and cold and I have to go to work. As of today, I've worked 38 days without a break with my FT and PT job. And that will continue till the end of November when I can take some holiday leave.
Sheer bloody mindedness will get me there.
I live off my PT job money while chucking the FT money at the debts....
HTH
Love Sassers
XX

mooomin

Motivation for me was realising what an *rse I had made of my money When I joined here a year ago I had almost £10,000 of debt and nothing to show for it. Well, some make-up, DVDs and other carp but nothing of worth. It was down to bad money management.

My motivation is not being worried when the postie comes in case it's another big bill. Since I discovered the comping board I look forward to seeing the postie :rotfl:

Find out what works for you in terms of keeping you occupied - I'm so busy with comping and BingoPort in the morning I have no time for online shopping. I sell things on Ebay to pay for stuff I want. I don't buy anything without consulting Quidco and I check Grabbit boards daily to plan bargains for Christmas.

In the end, it's about changing the way you live your life. I can't bear the thought of an afternoon shopping anymore but I used to love it. Now I get my thrills when I get a reduced item in the supermarket (99p roast is currently making the house smell amazing!)

Good luck finding what's going to work for you. :beer:

Jo_R_2

I've been a bit disheartened recently, but what works for me is looking at how much per month I'm spending on debt repayments (just over £300 not including any overpayments) and what I could be doing with that money once I'm debt-free.

Alongside that, having a debt-free date, something concrete and definite is a real target and gives you something to focus on - ie I can think I'll be free of my loan by Jan 2013 but that could easily be earlier if I throw as much as poss at my credit cards, pay them off earlier and then have a lot more available towards the loan.

Also I find incorporating enough into your SOA for a treat here and there eases things a little... Might sound silly but I have a couple of little treats each month I know I can afford, one being a bottle of cocoa butter, only costs £3ish but it makes me happy LOL

Pippilongstocking

Payment a day's make me happy
Batch cooking
Reducing our spends (see the one above)
and being very frugal - read 'frugal for dummies' its a great read and real eyeopener about how much wasted money we leak - our local library had it

Small thing thread is a great motivation too - each day a new thread it set up to post your 'small things for today' which will add up to longer term financial happiness

Goodluck

Sassers

flying_fresian wrote: »

In the end, it's about changing the way you live your life. I can't bear the thought of an afternoon shopping anymore but I used to love it. Now I get my thrills when I get a reduced item in the supermarket (99p roast is currently making the house smell amazing!)
:beer:

Absolutely agree FF - me too :-)
I get more joy and thrills from finding a bargain whoopsie/carboot/charity shop/chucked-out-for-the-binman bargain than the Saturday aftrnoon retail therapy thing.
At the moment I'm on the PAD thread and trying to have a no spend few days. I've had one NSD (yesterday) but was furious with myself for buying a silver home phone/answerphone for £3.50 from a charity shop today (for when I've finally padded the BT bill). Still.......NSD tomorrow and I do now have cheap home phone in a rather nifty silver....lol
Love Sassers x