Do you feel fed up?

toothfairybuttkicker

hang in there. They say the darkest time is just before dawn.

You are getting there xxx

flippin36

We will be paying off our debts for 5 years if we stick to our plan, but it occured to me that our kids will be grown up by then - which is a bit depressing to think we will always have to cut back whilst the kids are young. But saying that I think we are having a better lifestyle now than we did, eating better, getting more exercise, appreciating the things we have, and having a sense of control.

OP regarding your kids. I have always told my kids to save the money they are given, even before we had debt. My son this year saved up all the £5's he got from relatives over the year and bought himself a very nice portable dvd player which he uses all the time. Much better than frittering it away on cheap stuff that breaks after 5 minutes. My teenage daughter has started to be given an allowance every month to buy everything she needs/wants and has become the most painfully careful shopper ever! It can be a bit of pain sometimes but I really think I've instilled good financial sense in her, and I wish someone had done the same for me.....so don't feed bad I think you are actually doing the right thing.

Learning2Budget

I know how you feel hun. I have days where I am go getting and finding bargains and deals. Then yhey are followed by days where i want to curl up n cry (and sometimes do!).

Hindsight is a wonderful thing and i often feel that my kids are going without cos of our stupid mistakes. But maybe it means that we are closer and richer cos we spend more time playing games and using imagination to pass the time.
Sending you a big hug. L2B.xx

YORKSHIRELASS

If I had a pound for every time I wished I hadnt been so stupid with money when I was younger I would be debt free by now.

We havent been in a position where we could throw big chunks of money at our debts but are chipping away at them slowly. I suppose the biggest change for us is not using credit at all and living within our means. That feels like a huge step forward but its not always easy - and yes there are times when I feel really really fed up.

There are times when I worry about our financial situation but I just keep telling myself that I am doing the best that I can.

savingholmes

Hi guys

I get miserable sometimes when I think of all the money we've wasted over the years... We had nothing to show for our debts - it came from too much food (and correspondingly big waistlines) and too much fritter spend. I would see a bargain and have to have it = I would need 1 and buy 4 because it was such a good price....

Having said that - I can now see light at the end of the tunnel. I am not overly concerned about money now I am closer to my DFD and like others have said I get far more value for money now than I did, we have a budget for treats, holidays, gifts, clothes etc and I've lost weight and done lots of decluttering along the way. I think if I was you I would revisit the budget and see if there is room for a bit more treat spend - perhaps use the Make £10 a day challenge to get in extra money for things that make life feel more like living.... I also use it to fund gifts...

fd1972uk

toothfairybuttkicker wrote: »

hang in there. They say the darkest time is just before dawn.

Or in my case when I don't pay the electricity bill!! :rotfl: Guess that's the true LBM.

Your doing well Rocket, and just try and keep doing what your doing.

We have debt like Mortgage which we'll never shift until we require most probably, that I can live with, but we have a loan until 2017 and we hope to have the credit cards paid off by early 2013.

It's just a case of doing what your doing and just making sure you can make that income consistent enough to get you to your point.

I do worry myself of any impending disasters that might come round the corner, but just need to keep going.

All the best.


FD

andymc29

I feel fed up all the time to be honest. Even though I'm near the end of teh journey. It's a mixture of always regretting getting into the situation in the first place, wishing I could change the past, and worrying it'll happen again it the future.:(

I think it's very easy to worry about money too much when you've got debts, but you have to remember that most people have debts and it's not an aweful thing you should feel bad about. My GF keeps telling me I should be really please to be dealing with it and not ignoring it, but after two years of dealing with it, you just want it all to end so you can get with the rest of your life.

maz1964

Rocket1971 wrote: »

.
A lot happened in the past 5 years, lost both parents, am an only child but married to a great man and we have 2 fantastic children just annoyed when I see the money going out each month paying off credit for which I have nothing to show. Huge lesson learnt by this.

hiya Rocket1971

i too have just read your thread and feel exactly like you, why oh why didnt we do what we are now telling our kids

but listen think positive you are still working, and able to see that snowball effect - im looking at ways to organise our finances as im looking for work only hubby working with one dd at college still but hey we have to realise there is a way out albeit its hard initially but ive learned so much from this site im forever learning something new each day i log in and views others attempts to be debt free

i do feel better as i know it can be done and for me will be even better once i get back into employment

fantastic so far how you have done and lucky you got your lightbulb moment in 2009 if you hadnt things would be so much worse so well done you :T

will save your thread and pop in and be truely inspired thank you and others too

have a fun day maz

dell33

andymc29 wrote: »

I feel fed up all the time to be honest. Even though I'm near the end of teh journey. It's a mixture of always regretting getting into the situation in the first place, wishing I could change the past, and worrying it'll happen again it the future.:(

I think it's very easy to worry about money too much when you've got debts, but you have to remember that most people have debts and it's not an aweful thing you should feel bad about. My GF keeps telling me I should be really please to be dealing with it and not ignoring it, but after two years of dealing with it, you just want it all to end so you can get with the rest of your life.

Just looked at your signature, well done to you.