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1st dfw month ... going better than i thought
IHaveNoMoney.com
Posts: 86 Forumite
I am so pleased i found this site if i hadn't i know that i wouldn't have done any thing constructive about my debts just buried my head furthur in the sand.
I have several different buy it now pay later from spending on catelogues all ending at diffeent times, i paid the first one of which was due this month and only £54/£228 left to pay on the one that due 27th May. If i hadn't of found this site i know i wouldn't have paid it and it would have added an extra £75 to the £228 i already owed. Will pay the extra £54 next tuesday and then the next one isn't due until 18th August, biggest thing i have realised is that making small payments add up before i thought if i didn't have the full amount i would pay nothing.
I other big thing that has changed is the way i feel generally about life i am begining to realise that the material things in life really don't matter and if i can't afford it save for it don't put it one credit.
The biggest thing i will change this time is when a debt is cleared the acount will be closed so i'm not tempted, i buy things for the sake of it because i get a discount code or voucher through, especially these catel;ogues with there spend £50 get £25 off, but the problem is i didn't need the item in the first place yes i cost me 1/2 price but i am still another £25 in debt for it.
Sorry i am rambling, but this time i have to do something different and hoping these board and posts is the thing that changes me forever
Good luck everyone :beer:
I have several different buy it now pay later from spending on catelogues all ending at diffeent times, i paid the first one of which was due this month and only £54/£228 left to pay on the one that due 27th May. If i hadn't of found this site i know i wouldn't have paid it and it would have added an extra £75 to the £228 i already owed. Will pay the extra £54 next tuesday and then the next one isn't due until 18th August, biggest thing i have realised is that making small payments add up before i thought if i didn't have the full amount i would pay nothing.
I other big thing that has changed is the way i feel generally about life i am begining to realise that the material things in life really don't matter and if i can't afford it save for it don't put it one credit.
The biggest thing i will change this time is when a debt is cleared the acount will be closed so i'm not tempted, i buy things for the sake of it because i get a discount code or voucher through, especially these catel;ogues with there spend £50 get £25 off, but the problem is i didn't need the item in the first place yes i cost me 1/2 price but i am still another £25 in debt for it.
Sorry i am rambling, but this time i have to do something different and hoping these board and posts is the thing that changes me forever
Good luck everyone :beer:
£10 A DAY CHALLENGE £14.66/£300
MAY SHOPPING BUDGET ££88.53/£300
NSD 1/10
AMERICA 2013 FUND £169.97/£3500 :cool:
:jWEIGHTLOSS TO DATE 5st8lbs:j
AMOUNT DEBT CLEARED SINCE APRIL 2011 £1481.31:beer:
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Comments
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Good Luck to you
Mini Challenge - Halve 2nd Mortgage by Year EndStarting: £10,000 Currently £8,142.62£3,142.62 to go!0 -
IHaveNoMoney.com wrote: »
The biggest thing i will change this time is when a debt is cleared the acount will be closed so i'm not tempted, i buy things for the sake of it because i get a discount code or voucher through, especially these catel;ogues with there spend £50 get £25 off, but the problem is i didn't need the item in the first place yes i cost me 1/2 price but i am still another £25 in debt for it.
Wholeheartedly agree - a bargain is not a bargain if
a) its going to cost a lot more money in the long run
b) you don't need it anyway!!! (and by you I also mean me :rotfl::rotfl:)
Good luck and do share anymore inspitational thoughts :j:j0 -
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Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
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***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0
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