I failed.

claire0788

Mr Original - Im impressed. You have really taken on board the advice of people here so far and done quite a bit. Well done ! When you get your next pay try to stick to your budget and let us know how you get on. Youll be surprised at how much easier things get when you know exactly what is happening with your money.

Lurleene

Hi Mr_Original - just wanted to say well done because you really seem to be taking things on board and putting a plan in place.

If you fancy it, come and join us daily on the ' what small DFW things have you done today" thread. It is really good at keeping you motivated, and acts a bit like your conscience speaking to you every time you want to say "sod it", and blow your money on something stupid.

welshmoneylover

Boring as it may sound.. but stay in, that's £100 saved.

It's not easy getting out of bed, it's far easier to get into it.

To get out of it, you need to be able to count.

NEVER SPEND MORE THAN YOU CAN AFFORD. YOU DON'T NEED DAVID LLOYD EITHER. GET EFFING RID ASAP.

claire0788

welshmoneylover wrote: »

Boring as it may sound.. but stay in, that's £100 saved.

It's not easy getting out of bed, it's far easier to get into it.

To get out of it, you need to be able to count.

NEVER SPEND MORE THAN YOU CAN AFFORD. YOU DON'T NEED DAVID LLOYD EITHER. GET EFFING RID ASAP.

*whispers*... he has got rid of Mr L...

DanDanDan_2

Mr_Original wrote: »

wow! sounds like we had a very similar situation. Its good to know you can do it, and eventually make it to the other side. Bet your so excited to be debt free? You going to go out and party?! (within budget, of course )

Reading your post just sounded like it was something I could have wrote myself two years ago. I hope my story helps you see light. I'm not debt free yet but I can now see a better life where I'll finally be able to enjoy my salary!

Like everyone else has said, well done for all your activity in the past couple days. Try to keep it up. You must feel so much better having taken the first steps to changing your ways.

Money_maker

Ref my #18, I take it back, you have had your LBM! Well done, we're all so proud of you. Keeping it up will be hard work but its very satisfying watching your debt decrease.

It also helps one to learn new habits so you will always keep an eye on your outgoings - even when times are better.

No way you have failed now.

Mr_Original

Thank you to everyone for the support! I must admit I am a little taken aback, did not expect it!

I think the key for me was getting it down on paper so at least I know. Sure I will be in debt till 2013, but at least I have a goal and an aim. Before it seemed an impossible task so I just ignored it and kept spending.

I am kicking the budget into gear now. I will not go out at all for the rest of the month and on the limited food budget. The biggest step for me is going to be payday, fingers crossed I stick to the plan. And for the next 4 years :eek:

Money_maker wrote: »

Ref my #18, I take it back, you have had your LBM! Well done, we're all so proud of you. Keeping it up will be hard work but its very satisfying watching your debt decrease..

I think my first post was a little stubborn, so I may not have been all the way there! Since writing it down on paper it has relaly helped

Nottoobadyet: I would be interested in hearing your ideas! I have had a good look round but I guess im not that original!

Numpty_Monkey wrote: »

Explaining your debts is easy, compared to explaing DFW:DT

What is DFW? I imagine its debt free... something?

littlemissmoney wrote: »

Do you actually have a joint account with your flat mate or do you mean you have an account in one of yours names that you both use? If you are finanically linked that might be bad news for your flat mate :eek:

Well not really linked, only by name? I have only messed this account up once which caused a direct debit to not go out. in 7 months though this is the only black mark on the account.

do you think this is a big problem for him and his credit rating? as i will remove it if so?

Lurleene wrote: »

If you fancy it, come and join us daily on the ' what small DFW things have you done today" thread. It is really good at keeping you motivated, and acts a bit like your conscience speaking to you every time you want to say "sod it", and blow your money on something stupid.

Thanks! Im convinced the key to success is accountability, and posting as much as possible will help that! I will take a look


Oh, I told my girlfriend. I cooked her the 3.50 spag bol meal deal from Aldi and casually mentioned it. I didn't go into massive details but told her the amount and why. It was pretty funny as she is in fairly similar position from uni, so she understood! I explained my plan and she seemed happy and positive so that went really easy to be honest!

Happy days!

Oh and more good news! I called our gas supplier today, they have totally and utterly messed up our billing, so after some complicated conversations and a crap load of holding, they are refunding it all, total about £200! Woo!

Nargleblast

Well done Mr O, you are on that road to being debtfree! Stick with us, kid, it will be a tough ride but not a dull one!

dib-dab

Great news about your girlfriend - funny that she is also in a similar situation! Just goes to show - we all assume that we are the only person in debt but really everyone around us could be too! I am pretty sure that none of my close friends are in such a pickle but I'm sure I know others who must be. Congrats on all your hard work, your post has been great to read and the transformation in your attitude from your first post has been brilliant - keep it up!

skaps

Well done Mr O, have just read the whole thread and feel inspired by your story.