Does anyone else feel miserable being skint all the time?

fedupnow

lesgeo2012 wrote: »

Heaven knows but it was uncalled for. Rise above it!!!!!!!!!!:eek:

I might be wrong, but I didn't read it as a dig. I thought the poster meant that friends might have watched the op buy stuff they couldn't afford during her 'spending days' and felt jealous of her. Just like she feels a little green now.

In other words, she had her turn, now it's theirs. And who knows, they might not be able to afford it and be on here in 12 months time writing a diary of their very own.

Cycles, swings and roundabouts.

My Gran used to tell me the money was only ever on loan in any case.

marmiterulesok

princess*daisy wrote: »

And I have to admit - I sometimes get jealous when I see people who work less than me or earn less than me buying nice things

These people might be up to their eyeballs in debt!You just don't know...

At least you've had your LBM and are doing something about it.

Can you aside some money every month for 'treats'?

quantic

To be honest, after a while you realise that even once your out of debt and have money your happy without spending all of it, I've been debt free for a while now and save quite a bit each month now... You find other things to spend your time doing, I've become quite fit since as a result.

I think its more so the fact that you are obligated to spend your money on something you have already enjoyed (whatever you bought that caused the debt) so its difficult to feel a benefit from it. Whereas when you have more disposable income you might find your reluctant to spend it given the choice .

mrsb83_2

In around 3 weeks I'll make the last of my payments against my £24k debt, almost 2 years to the day I had my LBM.

The first 6 months were a breeze, then the second 6 were terrible as the end seemed so far away. TBH life has been on hold a bit. Luckily my income has increased enough for me to be able to pay debt off quicker but also have some money for nights out and a couple of overnight trips which have made things easier.

There were some dark times of boredom but the feeling of being so close is amazing and definitely worth it.

rising_from_the_ashes

flippin36 wrote: »

I've kind of past the miserable stage and I'm well on the way to "this is normal" so it doesn't bother me anymore.

lollipopsarah wrote: »

I have no debts now ( if you don't count hubbys credit card), but I don't have any money either.
I earn it to pay the rent and he pays other bills, but we still struggle.
I would love a hair cut and need a pair of shoes for work but s=d it I'll make do - I just get on with it, no point worrying about it because there is always someone worse off.
Yes I do get fed up, but that's life at the moment.

Ohhhhh both of you could be me - I've worked my way out of £17k+ of debt but I've moved home where the wages are less, there are no jobs to move to and I've not had a pay rise (incl cost of living) since 2009 ........ my SOA balances with a small excess (around £100 - which I never seem to have ) but there's not really any luxuries in there. Basic Sky package was my treat to myself when I became DF (hated not having it when I was paying them back) - but no nights out etc.

You get used to it, it becomes normal and you adjust ..... best of luck to you

OrangeMikey

The end is in sight for me, but I'll admit it has been a tough few years.

I think one of the things that helped me a lot was telling my friends, yes this was hard to do. "Erm hi guys I've !!!!ed up a wee bit and am £65K in debt"

We tend to meet up regularly it used to always be in a pub, but we changed this to going round to each others houses. Others were also greatful of the money saved by doing this. So do consider telling your friends if you can, I'm certainly not saying it's the right choice for everyone, but I am glad I did.

banwa

I try to focus on the positives.

1. I have learned some really valuable lessons in the last couple of years about making ends meet.
2. Even before my LBM, when I used to overspend, it always left an unpleasant 'dirty' feeling. I no longer get that feeling; I find money-saving incredibly satisfying
3. If we weren't in debt, I don't know if I would have worked so hard to get the promotions I have. Now I earn twice as much as I did 6 years ago, and I will still earn that when the debt is gone.

All in all, I think there is no better feeling than knowing you have taken control. It's not forever and [STRIKE]you [/STRIKE]we will get there eventually:)

nimbo

It does suck loads to be cutting back to nothing.... But it will feel so good when we have achieved our goals....

My 'debts' are the need to pay my uni fees for the next two years, and then after quitting my nasty phone contract I got laser eye surgery....

I've started the £10 a day challenge, and was using DooYoo points towards saving £50, but decided to cash out for Amazon vouchers to 'treat' myself to something. It may well end up being uni books but it'll be nice to get something in the post I can unwrap.

It's really wierd as I'm cutting back so much I have sarted to view even small thins as treats - bought strawberries today and I'm so miserable I'm viewing them as a luxury....

My sister and I have started to have nights I at each others houses, which we view as treats - we can't afford lives!!!!!

determined_new_ms

Aw it does suck and many a time I sobbed and felt that things had been so hard for so long and seemed like it was going to go on forever. But once you get to a certain point it's like a rolling stone and then end seems to come very quick.

Funny enough now we are df we still live a frugal life, but now I don't need new clothes all the time, would much rather make do and do things instead. We are just about to buy a house and have borrowed £5000 off of oh's mum, this time it doesn't seem such a big deal, we will pay back at £200pm but just cut back and try to over pay. I hope you find this hopefull rather than boasting as this wasn't my intention! Now I just try not to put so much stock on material things experiences and people are much more important! X

bluebag

It's a long time ago I became debt free. It was probably the most difficult period of my life.

I did get very down about it, as you all say when other people were living it large and I was counting the pennies.

I knew I had to change that or I would be back where I was buried in debt in no time. I had to change my way of thinking completely.

I now know that having things and spending money isn't the best thing in life. Enjoying what I have, however little is how I think of it today. I feel happy I have enough food to eat, a roof over my head, warm clothes and a loving family.

Anything else is a bonus, I am happy with anything extra however little it may be as long as I own it outright and It's legal.

I don't envy anyone, I have my own path to tread, they have theirs. I take my joy in being alive each day and being thankful that I have what I have.
Most of all I have peace of mind.