Think my head and my heart are now working together...

sueh6

And I'm finally, deep inside my soul, a real DFW

We've been paying off our debt and making really good progress after my LBM in July 2010 but I've never kidded myself that it was easy and that I truly, truly believed that we'd changed. That's not to say that we're doing anything wrong - we're not and plan to be debt free at the end of 2013.

However yesterday my DH called me upstairs to have a 'chat' about money, how much expendable income we have, how we could make things easier etc etc. I will say at this point that getting DH on board has always been a bit of a struggle - he loves spending money!

He asked me yesterday could we make things easier for ourselves and extend our DFD and have more money every month. What was different yesterday was my reaction - inside I felt anxious, was shaking slightly and very uncomfortable and what came out of my mouth was a resounding 'NO!' - feel the pain and in less than 2 years we will be debt free. Two years ago I would have agreed and happily gone out and spent the money - how things change!

He's fine - we discussed it thoroughly and what he was more worried about was emergencies - what do we do if the boiler blew up for example. I never thought I would actually 'change' and although I knew I was doing the right thing it didn't come easy.

Silly I know but I feel so much more positive and motivated today - I've cleaned and cleared today, have a pile of 'stuff' to go on Ebay and am doing a little overtime this afternoon too

FireWyrm

That's wonderful. The feeling of being a true believer as opposed to just paying lip service is like nothing else. When you truly internalize the changes to your life, you feel like you are finally on a journey going somewhere rather than just existing and stumbling from one disaster to another. I put £100 into a tin on my mantle yesterday and it joined the £100 I put there last month which remained untouched. It felt wonderful. Only 28 days until I can out another £100 to join it. Christmas is paid for already and I know that there will be £1000 in a protected account for that guilt free celebration of food and family. I'm on my way after so many years of living hand to mouth and I'm eager for payday each month, not because I'm out of money, but because I can now afford to bank the excess!