How am i still here????

cady

Im back again after trying to sort my debt out for the millionth time i find myself asking how am i still here??? what is taking so long??? yes my debt is smaller now than it has ever been and ive took no new debt on for two years but how is it still here??? i chip and chip away when i can but find it so frustratingly slow!! how do you keep motivated? and how can i make this go away quicker without actually having any more money - grrrrr what a stress!!!

Money_Fritter

Hi Cady,

I know how you feel, I am the same. But if you have taken on no new debt in two years you are doing really well. Keep up the good work, it will be worth it. :j

Money Fritter

cady

Thanks Money fritter its just so frustrating!!!have done responsible things like sort out the OD arrangement and work out my cash which is helping me feel better! gonna try and aim for £50 a month to pay towards my debt but with only 4 pay days till xmas and 7 birthdays before then this may have to wait!!! think i need a money tree lol

Money_Fritter

I have a big family with lots of aunts and uncles and cousins, nightmare for christmas and birthday's.

How dare everybody go and have kids :rotfl:

Anyway keep up the good work and I am sure you will be debt free. I need a kick up the !!!!, I was doing really well then just lost motivation. I am going on holiday in a week and then I will have to get back into gear when I come back.

Money Fritter

looktothefuture

Cady, look back at where you were 2 years ago and feel proud of where you are today!

You can do it!

isy1011

I decided last year that the Christmas present thing was a nightmare as we both have big families and more kids coming along each year on his side of family. So...I texted everyone and said it would be kids only getting Christmas presents from now on. We simply couldnt afford it.

Percy1983

It might be worth posting an updated SOA to see if there is any further savings to be made.

Also it might be possible to get the 2 credit cards onto a 0% card which will make you payments go a lot further.

Butterfly

Hi Cady, yes it's a long road and you can only tread it one step and one day at a time, you just need to keep going that's all. It took me 4 yrs from LBM until my debt free date. The thing that motivated me was watching the figures go down in my MSE signature! I celebrated my DFD by drinking bottle of champagne in the bath by myself. I recommend thinking of a little reward like this just for yourself, as it's such a personal journey that no-one else can really understand and appreciate. As for Xmas pressies, chocs and sweets are always cheap and good. And you'll find that most people have all they need and often don't use Xmas presents anyway and they often give unwanted gifts to charity. Your family and friends will understand if you are passing on buying pressies for a year or two. It's really important for you to honour yourself and put yourself first for once! Good luck x