Fed Up!

Indebtmummy

Finding it really hard to be positive today! Feel like I have run out of steam and the next 4 years till our debt free date feels like an eternity!!!! Sorry just feeling sorry for myself.

KingElvis

Probably due to the weather, it's foul up here and that always makes me gloomy.

All I can say is keep your chin up girl, it's always the darkest hour before the dawn and four years isn't a lifetime...good times ahead.

All the best

Elvis

fozmcfc

Yeah keep your chin up. If someone had told me 2 years I would be in the position I'm in now, I wouldn't have believed them.

It's amazing how much you can repay towards your debt, if you are determined and certainly at the beginning, cut back on everything, so you are spending the bare minimum. Within a short time it can become addictive and you'll adjust and suddenly realise you can even make more cuts and save even more.

It doesn't take that long, before you can start to spend a little bit more than the minimum each month. But, because you haven't spent so much for months, you suddenly find spending that bit extra a real treat.

If like me you get so addictive to spending your money tightly, it even becomes impossible to go back to the bad old days of spending. My whole attitude to the value of money has changed and finally I feel as though I'm starting to have the freedom I haven't had before in my life.

Indebtmummy

Thank you both for your replies. I was having a blue moment but I've picked myself up again and have just completed my budget for the month and have got my momentum back! I will not be beaten by my debt!!!