How often do you think about it...

lady_fuschia

Most days. It used to be continuously, but since I got myself a bit more organised about it I feel like I don't have to think about it so much anymore! At least not in an "Oh my God its gonna take forever" way. Sometimes I have a bit of a panic, or rethink the strategies or try to find new ways to do it quicker, but generally I just daydream about making the final payment!

Brassic

Most of every day, but obviously not enough cos I somehow missed this months mortgage crises :mad: However, I am now uber organised and it will NOT happen again!

dinkylou

Up until recently I thought about it every day or so.

But since the threat of redundancy, I've been thinking about saving as much as I can in case I am out of a job. All of a sudden the DFD can take a back burner.

MoneyMagnet

I think about money quite a lot, but my focus these days is more on building wealth than paying off debts. I still have a loan to pay off, but that's kind of on autopilot, so I don't think about it much. I'm more interested in learning about saving & investing, even though I don't have the cash to do it yet!

lynsayjane

it wasn't something that worried me much before i joined this site. i knew i was in debt but i was managing to pay everything and defaulting on nothing so i didn't worry.

then i came on here and got somewhat obsessive and panicky about money, so now i have a spaz attack over it most days. yesterday i bought crisps and chocolate totalling less than a pound and i felt like flogging myself when i came home, which is ridiculus. so i need to get myself in hand, it's one thing trying to clear my debts, it's another to want to hurt myself for the sake of a pound!:mad:

i almost wish i could go back to the days of not caring about being in debt.

piglet6

I guess I think about it every day, but not necessarily in a "bad" way.

I check MSE, the bank accounts, and the credit card account (which is now used occasionally, and paid for in full every month) every day. I often do here and the bank accounts several times a day, which I guess is a bit obsessive (well, at least for the bank...I'm sure checking on here regularly through the day is just normal behaviour!!:p). I also find myself cruising supermarket websites looking at the special offers (live near Asda, but work 5 minutes from Waitrose, Sainsbury and Tesco so am happy to be a tart!:rotfl:) and am regularly to be seen going through the till with only BOGOFs and reduced items - our food bill is down and our eating habits improved, so happy with that, too.:D

I also log onto Pigsback every day (vouchers mounting up nicely for Christmas, thank you!) and keep a close eye on the free cinema tickets on the Freebies website (since I found it in April we have seen 5 free films and are booked for another 3 in the next few weeks). These are certainly things I would never have bothered with before becoming "aware" of the money situation.:rolleyes:

I guess what I am trying to say is:

In the "bad old days", thinking about money was something that used to make me lie awake at night, unable to sleep. I didn't worry about it by day (when I was whacking stuff on the credit cards without a second thought!:o).

Now, thinking about our money situation has infiltrated practically every area of my life, but I am thinking about it subconsciously, which I feel is a good thing. We don't feel deprived, because we still do the majority of things we want to do (we just research like crazy into the cheapest ways of getting what we want before we get it!).

My thinking about money also takes place in the daytime these days, so I sleep a lot better as well...;)

Piglet

COOLTRIKERCHICK

yep i think about it every day....and it makes me so depressed.....i am now 40....and when me and hubby got married just over 12 years ago.. the only debt we had was our mortgage....and my dream was to have a small holding by the time i was 40....well i am 40 and all i got is not far of 35k worth of debt.. and thats without the mortgage....and i think thats the worst part... as i now know ....i am now living in a dream world... and my dream will never come true.... for one i got so much debt.. and the prices of small holdings/farms.. or even a house with no neighbours and a large garden is way over.. what we could ever afford on our income...

so yes i think about it everyday......and i now its is making me ill... but.. we got ourselfs to blame no one else... so....we are the ones that got to manage.... and hopefully sort it out...

Mirtos

Constantly. But in a positive way. I'm really enjoying paying off my debts and the sense of acheivement I'm getting, and because I'm now a savvier consumer, my lifestyle is virtually identical to before! In fact, I've been off sick this week, which means that I'll be down a weeks wages from my second job, and when my parents offered to give me the money I'd lost through sickness (just over £140), it REALLY upset me, because I want to do it all myself - my mum wouldn't take no for an answer, and it was so hard to explain that I wanted to be a grown up and clear up my own mess! On the other hand, I'll be having a change of jobs soon, and things will become much less secure, so it might all change then!

LewisC_2

I don't worry about debt because I've got it all covered now, but I'm constantly thinking about ways to save money and handle/organise my money. A proper DFW Nerd!

Dan2779

I can sometimes get into a right tizzy with it and I have to remind myself why I have debt and then I dont feel so bad... I had to buy a new car when my old one blew up, I was trying to save up but with the repair costs getting on for 500 quid every other month I couldnt save so I decided to bite the bullet and use my credit cards and I do love my new Car!!!

Its definitely been an eye opener trying to get debt free.. I cant believe how much money I waste.... I am conscious of that each time I buy something and I am always trying to think of a way to save money!

I am on here all the time too, but thats thinking about it positively!!