Hypno's kick up the backside debt diary.... 9 March 2007 at 9:00PM edited 30 November -1 at 12:00AM in Debt Free Diaries 5.8K replies 243.5K views

hypno06

Ok, so I know we have had debates about whether there are too many debt diaries or not, and I know that it is self indulgent to start my own but.....I am reasonably good at giving others support and the benefit of my amazing advice :rolleyes: but I am not so good at giving myself the same kick up the backside.

So, by putting it in my diary I will hopefully take some of it in and act on it!

So, the reason for starting today is because this week I feel as though I have hit a bloody great wall. We are snowballing and still have a long long way to go before we are free of this debt. We are doing everything right, rent out our spare room, don't have sky, don't smoke, have a shopping budget etc. I even buy stardrops for goodness sake - I really AM trying here.

Anyway, in the last month OH applied for an M&S LOB card and got rejected and I applied for a citibank current account and got rejected and it just seems that we are stuck with what we have got - high interest rates and no way of doing anything about it.

Our credit rating is officially "poor" although we are on top of all the payments and have never had a default or CCJ, so I assume it is the high level of debt that we have that is the problem. I spoke to a very nice lady at Experian who basically said try again in 6 months time. GREAT!

So, I need the motivation to keep snowballing - I have come this far and I need to keep going but it is SO HARD!

And to top it all, and to make me feel really bad, I got some extra money from my Dad's estate this week that I really wasn't expecting to get. I have bunged almost all my inheritance at my debts so far which has gone a long way towards getting things sorted but instead of bunging this extra at the debt, I have booked a week away in a fortnight's time. I had tried to convince myself that I could manage without a break but then........

So now I feel guilty about it - part of me says spend it and enjoy it and part says think of the snowball and what a difference it would have made.

So, humour me while I do this diary, and please feel free to lighten things up with your wit and wisdom. I promise that I will not always be this gloomy

Seaxwyn

Hi Hypno

consider yourself humoured. I've always appreciated your wise and generous posts.

Enjoy your weekend away and don't think any more about it. For those of us with BIG debts, the debt-free journey is going to be a long one, and we need to live along the way. (she says, drinking a glass of wine).

You have shown yourself to be more than determined to get out of debt, so if the break sets your debtfree date back a month or two so what? By refreshing you it might actually bring it forward.

I'll read your diary with interest. I don't think diaries take up space, I think they reduce space, by keeping so much discussion in one place.

irishmist_2

Good luck with the diary Hypno

I have found your daily small DFW achievements thread so helpful and inspiring, so hopefully we can offer the same support back to you.

In terms of the holiday, I'd be of the thought that a good holiday could help add energy, and it could help to have a break, and then get back into snowballing again - so you have the good memories of the holiday to help motivate you on the tricky days.

Good luck

southern_chick

Hi Hypno

enjoy your weekend away, it's important to treat yourself occasionally well done with all that you have achieved so far

SC XX

Bambywamby

Don't feel guilty about having a weeks holiday, life shouldnt be all about scrimping and saving. You can still keep your DFW attitude while away and spend carefully or you can let it all hang out and reward yourself with a few indulgences for working so hard.

Diarys are fabulous insperation to read, so keep the entries coming.
If people don't like them, the answer is simple, don't read them.

Look forward to reading more.

X X X

GirlRacer_2

I agree with everyone here. Becoming debt free does not mean to stop living to achieve this goal. If you did that you would have surrendered under the pressure long ago. The holiday didn't cost you anything as you paid for it from money you weren't expecting so it's not really affected your debt-free date and you haven't put yourself in further debt to go on holiday.

Go away, enjoy yourself and when you return you will feel re-charged and re-freshed and ready to plough away at getting debt-free.

gallygirl

You've only been doing this a few months and already have brought your DFD forward by 9 months. It's natural to hit a lull a few months in, once the initial excitement and flurry of activity has passed.

Don't waste your money on a holiday and then not enjoy it - enjoy a well earned break then come back refreshed and ready to fight the good fight.

atypicalblonde

enjoy your break hypno ... x

LookingAhead

Hi hypno! :hello:

Well now, all I can say is, I hope you booked the holiday in some sort of MSE way and if not well, naughty naughty however I am sure the world is not going to implode because of it.

ENJOY THE BREAK it may be that you don't get another one for a while and if you didn't live a little along this debt free road (which is littered with tractors and caravans at times to slow us all up but that's life) then you'd go doolally.

You do something every day on top of the big things you've already done (like take in a lodger for instance) so, the beating up of one's self must stop now.

Big old hug and the chink of wine glasses to you!

LA xx

Karmacat

Yup, enjoy the break, Hypno! We all have to recharge the batteries - as has been said further up, you'll come back with renewed vigour. And as for diaries..... I love diaries! I don't care what space they take up, I like 'em. You go for it!

moozie_2

Hey hypno!

Nice to have a diary from you - I'll be reading with interest!

You are one super MSE-er so no more being hard on yourself! Enjoy your break and come back refreshed and with renewed energy to tackle those debts

Be proud of what you have achieved already :beer: