Memoirs of a Sista.......

Alice_in_Poorland

I think your diary is fab and you are doing great, *subscribed*.

I do know how you feel about being in this situation, I had a complete meltdown yesterday about our 'situation'.

Somebody told me when we first started our DMP that you have still got do live whilst you are dealing with your debts and if you deprived yourself of everything it would soon drag you down. We all deserve a little treat now and again (but as long as it's budgeted for!!LOL).xx

Fae

I know how you feel on the scary moments, I also have cross moments, where I realise what I could be doing with all this money instead of paying back debts, we just have to remember that these are the very reasons why we are making sure to bust those debts, mmm would like a exploding credit card smilie now

Fae

squidgychesspiece

Just caught up, great news about the overpayments I think I'm in awe that you made it to the end of the month with £500 left!!! :beer:

It's true about needing the odd treat to make it bearable, we've not even been cutting back long and there is already a sense that life is 'on hold' til the debts paid back. I'm not sure it has sunk in yet that this more frugal lifestyle is permanent :rotfl:

Keep up the PMA x

badger_

being in the black so close to payday. You're doing a great Sista

I agree if you don't treat yourself then at some point I think you'd just have massive splurge and that's just going to set you back. You deserve a treat for all the work you're doing towards clearing your debt.

Aamberle

Well Done Sista - You have done very well having that much before payday and not with a - in front of the figure
I agree you definately need to have some little treats now and again otherwise as the other posters have said, the debt will drag you down..

Great Work XX:T

meow5678

sistafromanothermista wrote: »

I think this is the key to it, not depriving yourself of absolutely everything. If you treat yourself (bottle of wine, beer, box of chocs) anything really then it makes all this more bearable....

You and those who have commented before me are so right on this one, making yourself even more can't be productive.

Therefore treats = :T

sistafromanothermista

squidgychesspiece wrote: »

Just caught up, great news about the overpayments I think I'm in awe that you made it to the end of the month with £500 left!!! :beer:

It's true about needing the odd treat to make it bearable, we've not even been cutting back long and there is already a sense that life is 'on hold' til the debts paid back. I'm not sure it has sunk in yet that this more frugal lifestyle is permanent :rotfl:

Keep up the PMA x

This is exactly it. Something with chocolate in it a day should help
Me and DH working today for extra pennies (literally) so kids left to their own devices.....i dread to think what they're doing....eating all the shopping probably
I think the best thing about having my LBM is the realisation that it's real money IYSWIM , going into the supermarket and thinking 'how much?!' when before i'd just pick it up without really thinking about it!
I say ' the best thing' as now i realise it is my money and i have nearly 19k of debt to pay back so i can't be as frivolous anymore

Belle208

You wonder don't you what you were thinking before your LBM. Supermarket shopping a whole different experience for me nowadays.

sistafromanothermista

:wave: hi Belle, i've just seen how much you've paid off in 3 yrs!!!!!!wow how on earth did you manage that (if you don't mind me asking)

squidgychesspiece

sistafromanothermista wrote: »

going into the supermarket and thinking 'how much?!' when before i'd just pick it up without really thinking about it!

Completely! I can honestly say I never ever looked at a price tag when out shopping and so was shocked to see the prices of a lot of things.

I do find I already appreciate things more though. When you (or more accurately Mr Mastercard) can buy anything you want nothing has any real value does it?

Anyway, I'm off before I get too deep :rotfl:Hope you've had a great weekend

Squidgy x