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DFW Quest - your most helpful tip!
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Ahhh top tips on here.
For me I have to concur with:
Spending diary - absolutely. You have to see the error of your ways and this is the best way. Write it every day - and then READ IT BACK!! If you don't do this: :eek: at least once or twice then you're either doing pretty well already or perhaps you don't care about spending money.
Make meals from scratch at home Oh yes. See those shopping bills tumble. Soups, casseroles, curries & chillis just for initial ideas, and if you go vegetarian then so much the better for your purse!
Don't give a stuff about what other people think
new leaf - I high five you on that one!Bank Balance: In the black for the moment.
Sainsburys Loan: Cleared July 2010
Credit cards: AMEX Airmiles Card: direct debit set to clear balance monthly
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Keep your goal in sight at all times (and plan a nice treat for when you get there), of course there will be bad days a well as good days, but if you keep on chipping away and making progress (however small) you wil get there in the end.0
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Great great tips on here
I treat myself every now & then otherwise i would totally fall off the wagon.
I have to remind myself that I do have a life apart from trying to become debt free and all of my friends are not always interested in my trying to be a real Scottish meanie!!
This week I have ordered a wee rebounder and a handle so will soon be bouncing away & hopefully becoming fitter too!
Great thread JDI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Don't buy unnecessary things on credit.
Save up for it and then buy it.
If it's gone then you weren't meant to have it.2014 Target;
To overpay CC by £1,000.
Overpayment to date : £310
2nd Purse Challenge:
£15.88 saved to date0 -
What a great thread! My tip is to send the dreaded monthly payment ASAP after it's due instead of waiting and sending it whenever. As that well known ad says ... every little helps and over time it does save small amounts of interest - which are more interesting in my pockets than in the cc company's pockets!You - only you- will have stars that can laugh :rotfl:
:starmod: Debt-free:starmod:
£2 Coin Savers' Club - Christmas due on 25/12/06! £[STRIKE]142.00 [/STRIKE][STRIKE]16/07/06 [/STRIKE][STRIKE]£150.00 [/STRIKE][STRIKE]21/07/06[/STRIKE] [STRIKE]£158 2/08/06[/STRIKE] [STRIKE]£166 28/8/06[/STRIKE] [STRIKE]3/10/06 £198 [/STRIKE]25/10/06 £214 :xmassmile
DFW Nerd 137:j
Proud to be dealing with my debt0 -
COUPONS! USE LOT'S OF COUPONSFour guns yet only one trigger prepare for a volley.Together we can make a difference.0
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If you really must keep a credit card for emergencies, make sure that it's only for emergencies, by keeping it in a cup of water in the freezer.
That way you can't be tempted to nip out to the shops for a treat!DMP mutual support number 174Total debt now (April 10) £0! - total paid off £30,221 or 100%I'm now debt free after 6 years!!:jNon smoker since June 2006 :j0 -
milliejon wrote:If you really must keep a credit card for emergencies, make sure that it's only for emergencies, by keeping it in a cup of water in the freezer.
That way you can't be tempted to nip out to the shops for a treat!
How often do you remove said cup from the freezer to prevent it frosting over? :rotfl::eek: What if the hokey cokey is what it's all about? :eek:Official "Bring back Mark and Lard NOW! or else (please)" Member 160 -
You can't see the numbers once it's frozen!
I used to do this when I thought I could cope with debt. I've cut them up now!DMP mutual support number 174Total debt now (April 10) £0! - total paid off £30,221 or 100%I'm now debt free after 6 years!!:jNon smoker since June 2006 :j0 -
Get yourself a very basic bank account! i now have the most basic account nationwide do its only a cash card, i cannot use the card in shops or over the internet therefor i can now only spend the cash i have on me, its saved me a fortune in my local shop as i cannot buy magazines etc as im too tight to pay a £1.60 charge for themoney box machine if i dont have enough pennies on me, i have taken to takeing out with me the money i need for milk or whatever i need to buy plus 40p for my little one sweetsDFW nerd club number 039
'Proud To Be Dealing With My Debts' :money: i will be debt free aug 2010
2008 live on 4k +cb £6,247.98/£6282.80 :T
sealed pot 2670g
2009 target £4k + cb £643.89:eek: /£6412.800
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