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edited 11 August 2016 at 2:12PM in Debt free diaries
3 replies 586 views
itsaitsa Forumite
49 Posts
edited 11 August 2016 at 2:12PM in Debt free diaries
Positive steps every day:j


  • It's never too late. :)

    Sometimes, people come to the site all guns blazing, throwing themselves in head first and being full of motivation and enthusiasm, but the changes are too big and all encompassing, and it can be overwhelming. You didn't go away though, you backed off and then came back fighting again.

    A diary is a good way of tracking the progress you make from smaller, sustainable changes to your way of life. The things that don't make an immediate or dramatic difference, but when you look back in the months to come, you can see the cumulative effect.

    I love your signature. If you keep trying every day, it doesn't matter if the steps are tiny, because you will make it to your goal eventually.
    I'm a Money and Debt Adviser for a homelessness and housing charity in Scotland. If you have any questions about debt management and debt relief under Scots Law, just ask.
    The pain you feel today is the strength you feel tomorrow.
  • beanieloubeanielou Forumite
    83K Posts
    Part of the Furniture 10,000 Posts Mortgage-free Glee! Name Dropper
    Never too late.
    Keep going!
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    MFW. Finally mortgage free February 2021****
    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • Hey itsa - where you at???
    How is it all going?
    Mortgage March 2013: [STRIKE]£55,956 [/STRIKE]£38,500 (aim to pay off by 2020)
    Overpay aim 2013: £9,974/ £5,000 :T:T:T
    Overpay aim 2014: £3,800/£12,000
    Kitchen and curtain fund: €1,000 / €4,000
    Emergency fund: €1,000 / €2,000
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