Debt free the Fly lady way - anyone?

James&Shell

I have read loads and loads of posts and now feel that i can help people but it takes times to get to know whos who as at first its a bit daunting.

newlywed

We've made some changes so that the debt isn't increasing, but it's not really going down yet either!!

I agree sometimes there's too much info given on here to do it all at once! All very helpful though.

I'll keep an eye on this with interest... and will indeed start writing down what I spend - food bill still need to come down some more although already half what it was!!

in_over_my_head_2

Oh this sounds really useful for me!

So far I'm writing down all the money I withdraw, and I only pay with cash so that I know where I am, and if I don't have the money then I can't buy it.

It is overwhelming being a newbie here, but at the moment I'm so enthusiastic that I just want to join in everything!

Tondella

in_over_my_head wrote:

Oh this sounds really useful for me!

So far I'm writing down all the money I withdraw, and I only pay with cash so that I know where I am, and if I don't have the money then I can't buy it.

It is overwhelming being a newbie here, but at the moment I'm so enthusiastic that I just want to join in everything!

sounds like you've made a great start, but by writing down what you are spending the withdrawn money on we will be able to identify our hot spot areas of spending (I suspect mine are comfort food and clothes, I will be interested to see by how much I overspend!). Welcome, and join us!

bobble_hat

I'm in, I think this is a great idea. Another quote for you 'Every journey begins with a single step.'

:T

loulouloulou_2

Thats great!!!:D Count me in!!!

I can use all the help i can get - what a fab idea!!:T :T :T :T :T :T

Tondella

ok, so far we have

tondella
chralph
loopyloulou
newlywed
in_over_my_head
bobble_hat
loulouloulou

any more takers?

edit:
postingalwaysposting
whatatwit
serialdieter
CAFCgirl

postingalwaysposting

can i join? i havent got any debts but i want to next year be saving more than the 50% i save from my wages now but i have the attitude... if its in my savings account i can spend it all i want to get away from that (mozzies helping me with her challange) but i still like overspending so i am joining (if that ok)

whatatwit

Babysteps, that's the key.

I already get the Flylady e-mails (yep, there's loads of ' em)

Count me in on the DFW one.

Serialdieter

Hi

Great idea. Count me in. It's only been a couple of months since my lbm and some days I feel like I'm in control other days I feel really panicked that I'm losing it so any extra encouragement is certainly welcome.

I think once the initial burst of dfw, changing suppliers, spending diary, snowball, pigsback, quidco, ebay etc has gone, keeping the faith day to day can be a bit harder (particularly if you've got a long time till dfd)

Jx