progress or not?

an9i77

I was feeling really good with myself that I have managed to stop spending on credit cards and paid off £1000-£1200 since September, as well as saving £3k (I know a lot of people say to pay off the debts before you save but I will be out of work for a year due to maternity leave and needed some savings to tide me over).
Then I found an old credit card statement from around a year ago and realised that I had about the same balance on my credit card then as now, so I've not come as far as I thought I've only paid off what I accumulated in the last year, which doesn't feel so great. However i have made great psychological strides during that time which I think will have greater impact in the long run than if I'd paid off a lot more of the debt, eg
I no longer use my credit cards or see them as a source of money
I write down all my spending and stick to a budget
I don't spend more than I earn, including money to savings and debts each month
I try never to buy anything at full price
If I want treats or extra spending money I sell unwanted stuff on ebay or amazon to pay for it.


So maybe I have made more progress than I thought?
The year before last I paid off a good wedge of my credit card, then I felt like I had earned the right to run it up again which is how I came to put another £1k on it before the penny dropped.
Whereas this time the money is coming off and staying off!

[Deleted User]

The difference between this year and last year is that you are no longer spending on the cards.......so this time next year where will you be? (in a much better place than this year or last year)

Definately good progress made - well done,

Domino9

Blonde_Ambition

Well done. Good luck. You'll get there!