Returning with tail between legs...

kaz0705

I was a lurker for sometime and then, in January, I had my lighbulb moment and really started using this forum.

However, in true Kaz-style, I got so cocky about paying off my debt and I was dipping into my 'spare' overdraft ("it's ok, I'll pay this off as soon as I get paid, it's only £2.20 for a sandwich after all"). :eek:

So today I have reassess my situation again after using my credit card (NO!) and my 'other' overdraft.

I was feeling quite ashamed of myself and annoyed at how silly I'd been but, being the relentless optimist, I have decided to focus on the positive.

Since my LBM I have reduced my debt by over £3k which I'm really proud of.

Also, even though I've messed up, I've only added 2 months to my debt-free date which, considering I've been in debt for 10 years, is pretty much a drop in the ocean. :rotfl:

Anyway, mostly, I wanted to say how reassuring I find MSE. This forum instantly soothes me with all the support, ideas and advice on offer- and all the inspirational stories.

I'm going to make sure I keep checking on this daily and as of payday, I'm back on with the spending diary and NSDs.

So...erm... really, this was to say a big thank you to all MSErs who have helped me and will continue to help me without ever knowing :-) I actually can't do it without you!

xxx

tealady

Hey don't beat yourself up. I tend to do the "well its only x amount" as well. So far this week I have spent approx £15 this way!

bottleofred

Hi Kaz,

Carry on with the debt repayment and keep your eyes firmly fixed on the debt free date!