First Christmas not on Credit

jess0612

Well cant tell you how good that feels this christmas, pressies was cut back to just very close family, didnt overspend on food what normally gets thrown out cause of buying too much. And best of all i managed on a budget something i never had pre bankruptcy. I can honestly say i think my life is so much better without the use of credit. Any i will never go back down the root of trying to obtain it again. Its easy when you have a credit card like im sure most will agree. But it's not always as easy to pay it back

fiveyearplan

Congratulations jess! Glad you had a good Christmas and can still feel good about it in January when most people start getting their credit card bills!

Happy New Year!!

sugarbabe-47

Hi Jess
Oh well done!! Onwards and upwards now eh? And it is a great feeling when we are able to *do* a Christmas without credit

All the best
Sugar x

tigerfeet2006

Well done you. It makes such a difference doesn't it.

And now is the time to open a Credit Union or another account and put a little by each week/month so yuo have a little nest egg all ready for next year. Even £5 a week for around 40 weeks is £200 which is'nt to be sneezed at.

Tupperware_Queen

me too...and I already have set up my credit union christmas account for next year, and started the sealed pot challenge too!

well done, and hears to 2011

now

jess0612 wrote: »

Well cant tell you how good that feels this christmas, pressies was cut back to just very close family, didnt overspend on food what normally gets thrown out cause of buying too much. And best of all i managed on a budget something i never had pre bankruptcy. I can honestly say i think my life is so much better without the use of credit. Any i will never go back down the root of trying to obtain it again. Its easy when you have a credit card like im sure most will agree. But it's not always as easy to pay it back

Great feeling, I am for the first time in years going into the new year with £300 in my savings account, not much I know but its savings:j

MikeJO

jess0612 wrote: »

Well cant tell you how good that feels this christmas, pressies was cut back to just very close family, didnt overspend on food what normally gets thrown out cause of buying too much. And best of all i managed on a budget something i never had pre bankruptcy. I can honestly say i think my life is so much better without the use of credit. Any i will never go back down the root of trying to obtain it again. Its easy when you have a credit card like im sure most will agree. But it's not always as easy to pay it back

I can pretty much say "ditto" to all of that . It's a good feeling (tempered a little by our TV breaking down yesterday ....without any credit we're making do with my son's tiddly portable for the time being....but no complaints).

kriss_boy

To me spending at xmas is a bit like paying your road tax, tv license or home insurance!

Its a necessary expense but it can feel really rewarding if you get a good deal.

Id urge anyone to keep an eye on the sales over the next week as you'll get some nice stocking fillers for pennys. Just pack them away in with your tree and next year you'll appreciate the saving!

tigerfeet2006

MikeJO wrote: »

I can pretty much say "ditto" to all of that . It's a good feeling (tempered a little by our TV breaking down yesterday ....without any credit we're making do with my son's tiddly portable for the time being....but no complaints).

Freecycle/freegle

dojoman

Well done, it is a great feeling is it not?

Mr.Mulla

Great job Jess. If you start making it a habit you'll be amazed at how much amount of money you'll save over time.