"Im cured Im cured!!!".......... oh no.. maybe not?

Ninnins

Thank you tootallulah, sounds like you have made significant inroads, I feel heartened that it can be done, but my confidence is so low at the moment that it feels impossible. Like you, I need to be in a position to be able to live debt-free in 9 years' time (eek, that's freeking me out!). By 'snowballing' do you mean prioritising all the debt? I have thought that I might try to live extremely frugally for a few years, just to get it down a bit - mightly hard when running a household - although I like your comment 'and live a life at the same time' because that's really the bottom line.

Ninnins

:rotfl:

mendedmyways wrote: »

Awwww, Ninnins, I think you should buy yourself something pretty to cheer yourself up!!

LOL, that was a JOKE!!!

But, joking aside thats exactly what I used to do! It was so easy to put it on the old 'never never' card. The enjoyment of buying something lasted usually until I got it home... then the SHAME crept up on me! the nauseating type that gives you the feeling of dread in your stomach. Then usually I would associate the new item with those feeling and go off it completely.... another item abandoned in my cupboard!

Didnt have to be clothes though... oh no, organic meat from a specialist butcher, fancy chairs from Ikea, cleaning products that would change my life, hobbies I took up on a whim... that I dont even have the time to do... the list goes on and on and on:rotfl:

I guess thats where the title of this thread came from, I thought after my LBM that it was done, im cured... wow that was easy!
Its not though is it?
In fact is it ever done, cured, finished? when I am debt free all those old temptations will still be there wont they...
I could pay off my debts much faster if I got a £1 for everytime someone said to me "lifes short live for the moment" (which incidentally used to be my justification for my spending!)

oh god I need therapy!!!!

:Tmendedmyways you must be my long lost twin, separated at birth! I had those association feelings, which made me hate the very item I was so desperate to have just a few days before hand ... guess what I used to do? I'd have a massive declutter, take it all down to the tip, and convince myself that this was therapeutic - it probably was at that split second, but then more feelings of guilt, remorse, shame, etc etc
The clothes were about reinventing myself - if I was unhappy, I would think that changing the outside would help. I got a bit better though, as instead of diving straight into the high-end range (Jigsaw, French Connection, Jones Bootmakers) I started experimenting with supermarket clothes, then when I was sure I wanted that 'look' I would go top-end shopping again! Oh, the energy, angst and wasted anxiety ...

mendedmyways

I also wholeheartedly agree with Tootallulahs comment "and live a life at the same time"

it was the "same time" bit that was missing from my thinking.

I still live a life... as my last months budget will show if the takeaway/eating out section were to be scrutinised... I dont do that though as it still makes me want to kick the dog... ehhhh hum, i mean MYSELF

Ninnins

Hmm, I hate to admit it, but if I cut down on 'stuff' I could probably afford to 'do' a bit more ... but 'stuff' is immediate and tempting, therein lies the problem.

steerpiker

mendedmyways wrote: »

Hi Steerpiker! Thanks for reading my diary, be great to have you along for the journey!

It was fantastic finally getting the PPI back, in some ways I still cant believe I actually got them to pay out (It did actually take the handwritten letter in the end... money in account by following day)
Did you have a long struggle to get your PPI back?

Not really. The PPI was with Northern Rock, on a loan I took out in 2007! I wrote letters back then and forgot all about it. :rotfl:It was such a surprise to get the letter last month. I got £2424.

mendedmyways

Must be distantly related at the very least lol!!

mendedmyways

steerpiker wrote: »

Not really. The PPI was with Northern Rock, on a loan I took out in 2007! I wrote letters back then and forgot all about it. :rotfl:It was such a surprise to get the letter last month. I got £2424.

CONGRATULATIONS!!:T

A brilliant result!

jo1972

mendedmyways wrote: »

I downloaded 101 free books onto my iPhone***

The apps I use on it are amazing for keeping tabs on my accounts, expenses and I even have a brilliant snowball one.

It is my ipod, camera, Mp4 player,internet access and phone all rolled into one

I think of it as my only luxury! and I REALLY couldnt go back to being without it

I heart my iPhone xxx

I am thinking of upgrading to an iphone, but just not convinced i NEED it. Now I see you've downloaded FREE books!!! I now NEED one! lol

Seriously though, can you really keep tabs on your accounts etc?

Plus as I never seem to be able to keep a diary, I really need a phone with a good organiser in it??

mendedmyways

.................

jo1972

mendedmyways wrote: »

if you want someone to reality check you into not upgrading to one, well you have come to the wrong diary lol:D

:rotfl: :rotfl: :rotfl:

I am starting a new job on Monday and don't possess a diary (though I do buy one at the start of every year *rolleyes*). I need to become super dooper organised, because of the job I have I will have lots of appointments and notes I need to make.

I think the iphone is for me :D:D

(Especially the book bit lol)

Thanks for persuading me

xx