I am a Bad money saver.... sorry!

Lucifer

I was doing so well, with money saving and weight loss!! Weight loss still going well, but money saving has been a disaster. I am therefore setting today to be my new lightbulb moment. I feel very dissapointed in myself. My debts are no higher than they were in March - but unfortunately no less.

I have changed mobile contract to £20 per month for 100 mins and 150 texts (was 32.50), swopped home phone to Tesco (bagged 2000 points in the process). These are the two things I have done today. The only thing I have done and maintained seems to be my tesco direct shopping - accumulating as many bonus points along the way as I can, and my spending diary - which I complete daily.

I am sorry to all the people who helped me first time around.

jessicamb

Dont be disheartened - get back on the bandwagon and wear your DFW badge with pride!

You'll get there - you're in no worse a situation than before so call it a turning point and move on from here.

Good luck

:grouphug:

kiwigirl

But you are saving in long term as you've changed your mobile phone and home phone providers so reduced some of the debt, you are maintaining your diary which will help you in longer run to find out what your weaknesses are and then you can be in a situation where you can deal with them better than not knowing about them.

Chin up, look how brilliant you've done on the weight loss - I've been trying for ages and everytime I do exercise I put on weight!

MinnieSpender

Lucifer wrote:

My debts are no higher than they were in March - but unfortunately no less.

Give yourself a pat on the back if for that fact alone, Luci.

That is an achievement. Sometimes when you start to change things stand still for a while. I think your debts are probably in shock! Think more about the general trend, which is DOWN.

Hang on in there. We're all right behind you.

In_Search_Of_Me

I think we all have to have "repeat lightbulbs" as its hard slog so not easy! Just keep on plugging, dont be too hard on yourself & start again! Big hugs!

beanielou

Yes, it is not easy at all so well done you on debt being no higher

shazzer22

I'm glad i'm not the only one feeling dissapointed with my moneysaving! fantastic weight loss though! I'm sure you can soon find a happy balance! just keep going!

K9cuddles

OMG.. you've lost 2st9lb since March... now I feel shameful!!

As for the debt.. can't you use your £2 saving money then atleast it is lower!! But as said..we all slip sometimes!!

oops_a_daisy

Hi Lucifer - must admit I well and truly fell off the wagon myself for a few weeks but I still hold onto the fact that I am still better off than I was before MSE and just look at your own signature for your achievements - you are doing well. Pick yourself up, dust yourself off and start all over again I think after the initial light bulb moment you have so much willpower but everybody gets complacent - the good thing is that you are still here and you will get there. All the best and good luck

gallygirl

Lucifer, have you heard of the bell curve (boring statistical analysis.......) if you were to chart your debts over the last few year they'd go up steeply...... now they've plateaud (ooh, that doesn't look like a real word!). it's downhill all the way from here!!!!!! The imnportant thing is you've stoped the increase!

And weight loss is superb, well done!!!!!:T :T :T :T


Don't give up!

mintymoneysaver

I don't think my debt will be goig down very much at all this month, so you have my sympathy, but your weight! I'm so jealous!