worn out...

ms_london

LittleL wrote:

Well done, you must be really chuffed and a valuable lesson to learn at such a young age :T

I've always been crap with money. Ironically, I come from a family with no debt, my mum and sister pay cash or they just don't buy it. I on the other hand (not now) have the buy now, worry later mentality. They'd have a fit if they knew how much I owed. My sister is just off the phone and could detect I'd been crying. We're really close but I can't tell her the extent of it although I'd love to just let it all out, have a right good cry and be done with it.

I think you're right about e-bay, I'm gonna get my act together and get rid of some stuff and possibly throw in a carboot sale aswell. I think I've lived beyond my means for too long now and it's gonna be hard but I'm determined to get out of this mess and if there's alot of pain along the way then so be it. I'm already feeling it as I can't go to my nephews bday party at the weekend. But sacrifices need to be made in order to achieve my debt free goal
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I come from a family that are good with money, saying that they WERE good with money, now even my parents are in a bit of debt & my younger sister owes £8K for a car, but doesnt see that as "debt" - so at the end of all of this, I am the most sensible of them all :rolleyes: !!

Thats the thing, if you're used to living way above your means, it takes time to change the habits you have learnt and to get used to living below your means, or even just within them & not going into your overdraft each month - so dont be too hard on yourself, it will take you a while to get straight!!

I noticed you contacted the CCCS - is that £50 per creditor or £50 overall per month?

My loan was meant to expire Dec 2009 (when I'd be 29!) but I made the decision to be debt free sooner. It was hard, but bl**dy worth it!!

Money saving can even be fun!! (think I've taken it all a bit far!)

LittleL_4

No hun, I haven't contacted the cccs as yet, that was another post.
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