How do you stay positive?

Sammy246

For me it's looking at the bigger picture and not the small little things that seem to put us in a very low mood very quickly.

Everyone has their down days, I had one yesterday but I think what really helps is to surround your self with positive people, coming on to this forum is a great help and motivational tool...to keep pushing forward to your debt free day

It is ok if you have down days, don't beat yourself up if you feel like you can't be bothered, just make sure you make the necessary steps to begin your positiveness again the next day.

Most importantly, always remember you never alone, and the end is very near for everyone no matter what your situation is!!

Cocorico123

I have been on a DMP since May 2005 and am due to make my last payment tomorrow! I can't even begin to imagine what life is going to be like when I have my DMP payment of £500 sitting in my account.

It has been a long hard slog, but I found setting up a spreadsheet documenting all of your debts and how long they will take to pay off has been incredibly motivating. It makes you want to scrimp and save to make extra payments, however small, to beat your projected debt free date. I think when I first started my DMP, I was due to be debt free shortly after my 40th birthday, instead I am going to be debt free exactly a week before my 38th birthday!

Keep your chin up, it's worth it in the end...

yamsteroo

I guess what keeps me going is a bit like Cocorico123 - I look forward to the first pay day after my DFD when I'll have a 'spare' £600 in my account - I might just log onto the bank and look at it for a while, or perhaps take a screen print and use it as my desk top wallpaper

lamarsi

it's a bit like dieting for me to be honest, I keep chipping away at my debt and my waistline, sometimes I have hick ups, and think 'forget it' then have a blow out of sorts but then refocus and get back on track, fortunately the blow outs are getting smaller and the hacking away bit is getting longer. I agree with the people on here but popping into the site helps me to stay focused, I follow a few of the diary's on here and have a laugh and cry with others on their debt free journeys and I can finally see light at the end of a very long tunnel. Good luck chuck!!!

sillymoo73

Hi raindrop,

You asked for an insentive to keep paying..... I can give you 27,000 reasons. When i was 30 i was around 5k in debt. You have been very lucky and excepionaly clever to realise and accept that this was getting out of hand for you. I waited until I was 36 to work out that the 5k in debt had in 5 years turned to just over 33k. I myself bring home the same amount as youself and am a home owner. Please carry on and pay off as much as you can and for go as much as you can to get there. On your 32nd maybe 33rd birthday go abroad, spend, spend, spend all of your own hard earned money. With the added incentive that the horrible credit card/s bill/s wont be waiting for you and laughing on your doormat as you come home.

Good Luck Raindrop and I hope my mistakes help.