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New Life, My DFW Diary!

edited 30 November -1 at 1:00AM in Debt Free Diaries
902 replies 26.2K views
Lucy1982_2Lucy1982_2 Forumite
4.6K posts
edited 30 November -1 at 1:00AM in Debt Free Diaries
Hi everyone

I just thought I would start myself a new Thread.

I'm really new to Moneysaving. Well I would call a week really new! But I'm really enjoying it, I got paid today so the real test starts now!:o

But I think I'm doing ok at the moment, following everyone's advice I've cancelled my phone insurance, managed to knock some money off my breakdown cover (I beat the RAC! :T ) and I have switched from paying for dialup to free broadband. In total I've saved myself about £25.00 per month so I'm looking about £290 per year! How exciting!! :j

But I think I'm running the risk of become addicted, is this normal? But I have gone from feeling really down about it all to being positive and upbeat about it. And I would like thank everyone for their help and support and I think I might keep this running as a little diary just so I don't get off track.

Keep Smiling everyone :A
Current debt - £16,300 :(
Debt at worst 17/03/2011 - £18,067.62:eek::eek:
:ANot going anywhere else, ever again :A
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Replies

  • natters_2natters_2 Forumite
    306 posts
    Yes it is normal lol - I check balances - count up how much has dropped off the debt at the end of every month - start telling other people how they can save money here there and everywhere.

    If you haven't hit the moneysaving old style boards yet - go have a look - that will make you even worse!

    Good luck with your debt free quest
  • lynzpowerlynzpower Forumite
    25.3K posts
    10,000 Posts Combo Breaker
    ✭✭✭✭✭
    yep entirely normal :D

    well normal for us all anyway LOL
    :beer: Well aint funny how its the little things in life that mean the most? Not where you live, the car you drive or the price tag on your clothes.
    Theres no dollar sign on piece of mind
    This Ive come to know...
    So if you agree have a drink with me, raise your glasses for a toast :beer:
  • dianadorsdianadors Forumite
    801 posts
    500 Posts
    ✭✭✭
    Its truly exciting. I get thrilled when I visit my building society to deposit savings and love to see the balance going up. Its the same feeling that I used to get when I bought something new (but usually unneccesary). I now dont buy anything until I have thought long and hard about it.
  • Lucy1982_2Lucy1982_2 Forumite
    4.6K posts
    I think that is going to be the hardest thing. Not Buying things I think I want! But I have managed it all week so I must be able to!

    But Friday night is takeaway and DVD night and it's my turn to pay. But OH is very good and we take it in turns only fair really.

    But I am going to try and be really good this weekend and try to spend nothing or at least very little. We'll see how I manage on Monday.
    Current debt - £16,300 :(
    Debt at worst 17/03/2011 - £18,067.62:eek::eek:
    :ANot going anywhere else, ever again :A
  • savvykazsavvykaz Forumite
    890 posts
    Hi Lucy and welcome :hello:

    Have you posted an SOA yet? The 'experts' on here are really good at highlighting areas where you could maybe save more money!
    DMP starts June 2012, £38,180.

    Balance June 2015 £26,046 (paid off 32%)

    DMP mutual support thread no 434
  • Lucy1982_2Lucy1982_2 Forumite
    4.6K posts
    savvykaz wrote: »
    Hi Lucy and welcome :hello:

    Have you posted an SOA yet? The 'experts' on here are really good at highlighting areas where you could maybe save more money!

    Yep I posted my SoA a few days ago and I have already made a few changes to my spending and direct debts. Everyone is very helpful.
    Current debt - £16,300 :(
    Debt at worst 17/03/2011 - £18,067.62:eek::eek:
    :ANot going anywhere else, ever again :A
  • Em1982Em1982 Forumite
    83 posts
    Hi Lucy

    Good luck with this, sounds like your very determined! :T Do keep us posted as to how your doing, I find it helps my own spending habits when I read about how other people are trying to be good!

    Emma
  • Lucy1982_2Lucy1982_2 Forumite
    4.6K posts
    That's what I am hoping for. My mother doesn't know about my debt as it would only worry her. But my best mate has been really supportive and so is everyone here. I think the support is good, I feel like I am less likely to 'fall off the wagon' so to speak.

    Some of the Moneysaving idea's have been really good, I wouldn't have thought about them on my own. I was proud of myself this morning when I call the RAC and asked them to match another quote I had. Not only did they match it I saved myself some extra money! Before this I would have just either accepted it or cancelled and moved to the cheaper deal. So it looks like my money confidence is building to! :T
    Current debt - £16,300 :(
    Debt at worst 17/03/2011 - £18,067.62:eek::eek:
    :ANot going anywhere else, ever again :A
  • Lucy1982_2Lucy1982_2 Forumite
    4.6K posts
    I'm having a good day today. I saved myself loads of money this morning and I've just made a tenner selling some of my old books! :T

    As I have only spent 99p today I feel like I'm doing well. If I can keep the takeaway costs down later I'm aiming for under £20.

    Although I have just realised petrol prices seem to have gone up again! :mad:
    Current debt - £16,300 :(
    Debt at worst 17/03/2011 - £18,067.62:eek::eek:
    :ANot going anywhere else, ever again :A
  • Em1982Em1982 Forumite
    83 posts
    Thanks to this thread I am now questioning the £6.95 a month I spend on phone insurance. Not sure it's really worth it!
This discussion has been closed.

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