Am I really sad??

stokegal

Since I've had my lightbulb moment (not so long ago) and I have paid off my credit card :j :j :j I get really excited about looking online at my credit card statement and balance (£0) and looking at my decreasing balances on my catalogues. I also don't dread the post in the morning anymore and see any bills as my next "challenges"

Does his make me really sad?? Have any other people's behaviour changed since their lightbulb moments?

magentadreamer

Thats not sad at all! Well done for paying off the CC and good luck wth the other debts!

Catseyez

I don't think there's anyone who's behaviour hasn't changed since having a lightbulb moment. For me, the habits I picked up along my DFW journey have continued into my Debt Freebe life.

I used to love paying off final bills for credit cards and seeing statements with a £0 balance. Great! Now I'm obsessed with seeing my savings increase. It's great not to have to worry anymore about the post coming through the letterbox!

wherediditallgo

I understand what you're saying, stokegal. The day I made the final payment on the council tax arrears, you couldn't get the grin off my face all day.

sammy115

My OH said last week that I was obsessed by money. Maybe I am but I would much rather be like that and save the odd £1 here and there than stand outside and practically throw £5 notes away like he does. (one of us has to make an effort!)

I love seeing my debts go down. I have set a snowball up and I love logging on to it, to see what progress i have made so far and what I am going to pay off next and I am constantly updating it. I also love my bills coming through the door so I can pay another off.

Big problem though is that I paid a huge chunk off my next account and they only went and trebled my credit limit. I may be a DFW convert but the temptation is huge, specially when I can't actually fit in any of my clothes.

tealady

Good on you stokegal. Clearing you debts is a wonderful feeling, it means you are working for yourself and not some anonymous fatcat banker. My bank kept offering to increase my credit limit, a quick phone call to them to say "No thanks" worked every time.

cuddlymarm

Hi

We have all our debts on a spreadsheet and as the statements come in it gets altered. Its makes you feel so good when you see the numbers going down. We've got a long way to go but it keeps you motivated.:j :j

Good for you :rotfl: :rotfl: :rotfl:

lizzie12_2

sammy115 wrote: »

My OH said last week that I was obsessed by money. Maybe I am but I would much rather be like that and save the odd £1 here and there than stand outside and practically throw £5 notes away like he does. (one of us has to make an effort!)

I love seeing my debts go down. I have set a snowball up and I love logging on to it, to see what progress i have made so far and what I am going to pay off next and I am constantly updating it. I also love my bills coming through the door so I can pay another off.

Big problem though is that I paid a huge chunk off my next account and they only went and trebled my credit limit. I may be a DFW convert but the temptation is huge, specially when I can't actually fit in any of my clothes.

yep, same thing here also..... have sent the recent catalogue back and have a zero balance on my account. Wont use it........ BUT if need something and am a bit short will pop into the shop and order over counter that way.(Birthdays, etc) otherwise i would sit at home having a flick through.... oh thats nice.... next thing big bill again.....

keep up the good work........

Taadaa

As bizarre as it sounds, I enjoy paying the odd bit of spare cash I have got off my ccs and seeing the balance go down more than I enjoyed spending the money in the first place

Now I can't wait to see what the balance is, how much the interest has gone down, how I can save money to meet the targets I have set myself. Before, when I used to go to the shops and hoover up loads of clothes, shoes and handbags, they would usually sit in the carrier bags for weeks before I looked at them again. I can't help wondering why I did in the first place. What a wally! :rotfl:

lynzpower

re: next acvcounts, they are b*ggers there. even when you ask to reduce or close they seldom do.

BE FIRM DFWs!!! CLose the accounts!!! Make sure you do it in writing and tell them youll report to the FSA if they dont ADN FOLLOW THROUGH WITH YOUR THREATS.

Also at the same time, make yourself aware of the next clearance places. Id never pay full price next again! NEVER!!!

chocaholic110

stokegal wrote: »

Since I've had my lightbulb moment (not so long ago) and I have paid off my credit card :j :j :j I get really excited about looking online at my credit card statement and balance (£0) and looking at my decreasing balances on my catalogues. I also don't dread the post in the morning anymore and see any bills as my next "challenges"

Does his make me really sad?? Have any other people's behaviour changed since their lightbulb moments?

If you are sad then I am too!

You are describing my behaviour since lightbulb moment. However, i also obsess over the snowball calculator and often work out how much I will have paid off by next week, next month etc.

It may be sad but it is keeping me on track - I am seven months into the debt free journey with (hopefully) seven months to go and I am hoping that I have been able to change my spending behaviour enough to make it a way of life, rather than a short term fix.