HOHOHOpotsgalore...

HOHOHOoffwegoKaren41

Iv decided the only way to go budgeting is to keep on track constantly, ad 1 little slip just sets me back a month or longer, sooo I've got so much going on in,life thus is my little hide away with privacy from the real world.

My debts are coming to an end now and really dont want to start adding to them as I'm definetely a shopoholic from grocery hoarding to clothes buying to grabbits to any bargains so time to address it now or I've just wasted a year of debt paying for nothing... My plan well to be continued later x;)

HeadAboveWater

Hello :wave:

Well done on almost being debt free!!

Have you started a spending diary? Helps to see exactly where your money is going and hopefully scare you into stopping spending!!

Are all your monthly bills/outgoings as low as possible? Post an SOA and we can see if there are other ways to help you get debt free sooner than planned!

HOHOHOoffwegoKaren41

Thankyou for that its something il def do once ive got all figures ready, and spending diary started sunday so yes hopefully it will stop me running up stupid debts again!!

HeadAboveWater

It's just a matter of getting yourself into a habit. And a good habit at that! Once you've started you will find it easier as you go along.

Aim for 1 or more NSDs each week. Actually, just decided I'm going to do that myself!! I manage to do it now and again but not consciously. Think it'd do me good too....!!