First steps to debt free life

Piggybank83

Hello

Today I am making my first steps to a debt free life. I need your inspiration stories and money saving tips! I'm feeling very scared and ashamed that at 28 years old, I have just over £11k worth of debt. I dont earn very much and starting uni in 9 months. Emotionally its very hard and I think about it everyday. :mad:

Every challenge starts with one step....... all advice appreciated :j

Decluttering

Welcome to the DFW board! My tip would be to get as involved in the forum as possible - find some challenges that you'd like to try, maybe post about your progress if that appeals to you and the people of this forum will really encourage you to bust that debt. All the best.

Standingtall

Firstly, well done on posting, on having the courage to make the decision to seek advice. However, you need to add a little more information in order to get the best from the forum. Why not post your SOA (I do not seem to be able to add the link but you will find it on a recent thread on this board, shouldn't be difficult to find) and then people can advise you how to tackle your debt and what steps to take next.

welcome:T

Swans1912

Just to second what Standingtall has said. Consider posting up a SOA. It can be very helpful to have a fresh pair of eyes check everything.

freebyfifty

Hi,

Just to say that you won't regret coming on here. The people are fantastic and make, what is going to be for me, a long hard slog, something which has become quite enjoyable :dance:

You'll get loads of really brilliant advice, support and motivation and, if you want it to, will change your life for the better :T

Lemon_Tree

freebyfifty is right this is one of the best steps that you have ever taken. you'll find a lot of inspiration here and on the diary threads, just jump in there's no need to be shy, you won't be able to say anything which at least one of us hasn't done, thought or said.
as Standingtall has said a SOA is a good way to start, you don't have to post it on here but it's a good way of revealing some areas where you can start to make changes, another good thing is to start a spending diary, especially if your soa says you should have lots of money left at the end of the month and yet you never do.

[Deleted User]

Welcome to DFW! Good luck on your journey

Dxxx

camuk81

Welcome piggy bank I'm glad you had what we call the light bulb moment. Onwards and upwards

paulwellerfan

yeah OP it would be helpfull to see your SOA
then we could help you to cut back a bit

Piggybank83

Thanks sooo much everyone! Already feel very welcome. Im over day 1 (always the hardest!) and I managed to spend £5 today I feel like im at the start of such a long journey and its all been such a shock from earning such little money after having a good salary. Things have to change now as im back to uni for a full year! Ive got 9 months to sort myself out as much as possible before student life starts. Good luck to everyone!!!

Piggybank83

PS - raided the Piggybank today and found £10 in pennies! £10 off my OD One step closer