I want to be a better man

chrissie52

Just wanted to say how inspirational your attitude to life is, hoping you have many debt free years ahead of you with a family that you obviously adore. Kind regards

Ashamed_2

Thanks All for your Good wishes. I'll post up again if there are any major changes, if not I'll leave it another 3 months or so and post an update.

Nottoobadyet

Amazing! I hope all the distressed, frightened folk who come to the board in a dark place in their lives see this and are inspired by your success.

Ashamed_2

Well it's almost a year since I first logged on here and decided to do something about the rut of a finacial mess I was in.

I'm happy to say that with the help of my supporting wife we have made an achievement and the way forward seems to have turned from a dark and desperate place to a bright striaght path.

Help on this site has shown us the way and turn our monthly financial defecit into a way to work better with our money. Yes, we have had to make some financial changes over the last year. Some major and some minor but every single one of them has helped us for the better and we have no regrets.

Now with almost £16k knocked off our debt in the first year. We are starting to feel much more comfortable with the pace of life we are living. We have been doing that little bit extra and have managed to save up some money to visit my wifes family overseas, which means our daughter gets to see her granparents again. This means a lot to all of us and we are very excited about heading out there later this month. The trip has already been paid for including spending money so we don't even have to worry about coming home and worrying about how we are going to pay for it.

We are going to try even harder on our return as by this time next year we hope to have knocked £35k off our overall debt. As the debt gets smaller, so does the interest so I doubt it will be a problem to match that goal. In fact we may even need to change it to make it a little more challenging to keep us on our toes.

Once again, thanks to everyone for your advice, support and motivation you have provided.

Regards,
No longer Ashamed !!!

tleefox

Firstly, well done for what you have achieved thus far.

To go back to your original post, if you do really want to give up the smoking, can I suggest reading the following book:

http://www.amazon.co.uk/Allen-Carrs-Easy-Stop-Smoking/dp/0140277633

I have never smoked, but my brother in law and parents in law were both compulsive smokers of 20 years plus and all managed to stop through reading this book.

This is not a shameless plug - I hope it helps you.

KiKi

tleefox wrote: »

Firstly, well done for what you have achieved thus far.

To go back to your original post, if you do really want to give up the smoking, can I suggest reading the following book:

http://www.amazon.co.uk/Allen-Carrs-Easy-Stop-Smoking/dp/0140277633

I have never smoked, but my brother in law and parents in law were both compulsive smokers of 20 years plus and all managed to stop through reading this book.

This is not a shameless plug - I hope it helps you.

OP says that he and his wife gave up in June last year.
KiKi

Ashamed_2

KiKi wrote: »

OP says that he and his wife gave up in June last year.
KiKi

We sure did

£200 better off a month and I'm now running 10km in 55 mins which has helped me loose 2.5 stone since november 2010

I'm saving the good £'s and loosing the bad lbs

KiKi

Ashamed wrote: »

and loosing the bad lbs

I wish I could lose the bad lbs!

ILoveEoin

I have just come across ur wee thread, i just join this wonderful world after many many sleepless nites worryin bout debt and how much it affectin me and OH life! we r not in the place 2 pay hugh money off r debt's but we try every month and dont have a social life at the min to b honest not had one in last 2 years:(and we only spent bout £15 per month on food but we get there and after readin ur post we WILL get there!! thank you xx :j:j:j:A:j:j

Ashamed_2

KiKi wrote: »

I wish I could lose the bad lbs!

Lost 35 lbs since Nov 2010
Down from 17st 1lbs to 14st 8lbs :j