Fed up of being in debt

yorkshire-lad

Morning all,
Just looking for abit of support really.

Been paying my debts off for nearly two years,I still have around 8months to go before I'm debt free but I just hate having the debt looming over me.

I still live at home and pay next to nothing for my board.
I always find myself thinking if I wasn't in this debt I probably could be saving around 50% of my wage and have a decent amount of cash in about 18months to start looking for a place of my own.

But as soon as I get paid alot of it comes straight out for my payments, I mean it feels like that money is just nothing to me now.
I have seen it leave my account so many times,it doesn't feel like it's money or worth anything.

I have come along way in this past two years,my debt has reduced massively and leading up to Xmas last year I had surplus cash left over so managed to brig my cc down by about £900 and managed to get a 0% BT.

Jan and feb was abit tight,but this month is looking good for abit of spare cash at the end.

I was fine yesterday but think I have just woke up this morning and feel sorry for myself.

Sorry for the such long post but just wanted to get it of my chest:(.
Thanks
YL

LAM2011

Hi there :hello:

Firstly let me say well done on what you have achieved so far I am sure after all this time it feels like an eternity of having no money but 8 months left wow - that is really light at the end of the tunnel.

I know what you mean about money meaning nothing. For such a long time I have had my head buried in the sand and every pay day just means payout day. For the first time this year though I can start to see the balances reducing (due to all the extra effort) and sometimes I feel drained trying to think of ways to get it reduced sooner. I am still struggling to grasp that its going to take time but I just want my money back for me.

I am never good at cheering people up I tend to join in their mood lol but have a hug I - you are doing really well.

summerstreetallotments

hello....I may be posting this in the wrong place...haven't got the hang of this yet....am paying over £100 a week in debt payments...very silly as we are on a small income...I know I have to stop spending but cant stop myself...there isn't much else going on in my life and have clinical depression with mania...so I spend compulsively on whatever takes my fancy...last month it was gift sets...bought 13..this month it's gardening stuff..keep buying seeds and netting...I've been onto C.C.S. who were o.k. but slightly annoyed I think that I am still spending, so I dont know if any debt management solution would be acceptable to the credit card companies...also...My washing machine and vacuum cleaner are on their last legs...dont know how to afford them without using a credit card...C.C.C.S. said I should make an offer to all the card companies and this would have to stay in place until I get a better income...cant see that ever happening...I've heard of debt recovery order but C.C.C.S. didn't offer me one of those...anyone know why... thanks

DragonflyCandy

Well done on getting debts paid i wish i only had 8 months left to go but my debts wont be paid off untill 2013 :eek:

Keep your chin up and keep on smiling because you are so close to the end of it, and youve come so far already, infact i think you should be excited that by the end of the year that big black cloud over your head is going to be gone and that hard earned cash that you work for will be all yours!

good luck hun and be happy :rotfl:

chickilegirl

Just wanted to stay stick with it, I became debt free a year ago this week and like you the last few months were hard. I became increasingly obsessed with the amount I had left to pay and infuriated with myself for having got there in the first place. Weirdly the night before the last payment I literally couldn't sleep, had butterflies and was irrationally scared that something bad would happen and I wouldn't be able to make the payment! Totally nuts I know but a year on I have my first ISA, have had a couple of holidays which weren't paid for with credit and feel so much better! Being debt free is the best feeling, don't focus on the past, focus on the present and making sure you get to the end of the debt in a few months time, it'll be so worth it when you get there!

ellesbellesxxx

The end of your debt is in sight - hang in there! Make a chart and tick off each month as you go along!

dollybeads

Hey YL

I know what you mean, it is a drag and a long hard drag. I actually miss the buzz i used to get from spending (I know this is sad, but i do mourn that feeling).

However, I think you have done fantastically well looking at your signature. Its hard to keep motivated, i tend to every now and then list the things I have done/changed in my life towards my DF goal. this helps remind me why I am doing this and what a large amount of effort and work I have put into it. 7 paydays to go is fantastic. Don't be too hard on yourself a cheap treat now and then goes along way. But try and focus on what you will be able to do with your cash once you are DF.

I think you have done an amazing job and cleared so much. You will be an inspiration for many others on here.

Have a good Sunday Dolly x

kdenty

Yorkshire Lad

I think you are doing really well so don't beat yourself up. Look how amazing your signature is. You have come so far already and there isn't long left. You can start and plan for the future and look forward to putting money away for your own place.

I do think sometimes you wish your life away and that can feel a bit sad. I know I'm looking forward to Tuesday (payday) so I can pay off a bit more debt and update my own signature.

If I was nearly there I'd be off to buy a wall chart and some gold stars to tick off each day as it goes by.:rotfl:

If I was you I'd be 'raite chuffed' to only have 8 months left.:)

Kate (another Yorkshire person)

yorkshire-lad

Hey all,
Thanks to everyone for the nice posts,glad to see I'm not alone.
Been keeping myself busy all day to not think too much about it.

Hopefully tomorrow will be a better day,not quite sure why I have felt so down today:(.

Think I'm going to buy a wall chart tomorrow as suggested by Ellesbelles,I know the end is getting nearer but it has just been such a hard road to go.
I will never put myself through this again and that's a certainty:)

consultant31

summerstreetallotments wrote: »

hello....I may be posting this in the wrong place...

Hi, Your post may have been overloooked because it's in with someone elses thread.

If you go back a page to the main Debt-Free Wannabe board you will see a button above the green bar which says "New Thread". Click on there and start your own thread and I'm sure you'll get loads of help from people far more knowledgeable than me

CH27

yorkshire-lad wrote: »

Hey all,
Thanks to everyone for the nice posts,glad to see I'm not alone.
Been keeping myself busy all day to not think too much about it.

Hopefully tomorrow will be a better day,not quite sure why I have felt so down today:(.

Think I'm going to buy a wall chart tomorrow as suggested by Ellesbelles,I know the end is getting nearer but it has just been such a hard road to go.
I will never put myself through this again and that's a certainty:)

You are doing so well. Keep at it & it will be worth it.