Just a silly thought....

Lucy1982_2

I was just reading Bobbly's Debt free thread and a thought came to me. I am generally really positive about fighting my debt (as those who know my diary have commented) but the thread made me sad.

I suddenly realised (although knew all a long) that I'm not going to suddenly wake up with this problem gone. It's going to take at least another 2-3 years of saving and scraping money together. That seems like such a long time.

Does anyone else feels so proud of DFW's who are now debt free but so sad knowing that it will still be years before they become so themselves?

There is so much I want to do and being in debt stops me doing them. This is a little depressing and I know it will all be worth it in the end and I'm glad I found this site and I'm not facing it alone.

It's going to be a tough few years isn't it? Will you do the journey with me?

Thanks x

mattfiona

I could have written that.

Yes, I know EXACTLY what you mean - it feels like a long hard road but we can do it! I'm hoping it will get easier as it becomes more of a habit......

Broken_hearted

Yes but it spurs us on.

Lucy1982_2

I keep thinking that. I wonder as well whether the lack so small easy to pay debts is holding me back, mine are all going to take months if not years to pay, so there is no short fix.

A bit soul destroying sometimes.

16011996

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Rout

I think about it a lot, more so with property, as a lot of my friends are a few steps up the ladder, and I'm not on the damn thing yet!

It's an absolute pain, but what a lesson it's been!!!!!!

I also think now, after the problems I've had/have with debt, that when I have children (hopefully, eventually) that I'll be able to advise them well, and maybe notice if they are having problems, as I'd been through it all!

I know we say it's only money, but this is the biggest (that might sound shallow as obviously death etc is bigger, but this has lasted a lot longer), most lonely problem I've ever had.

The support on this board is great and makes things much easier, long may it continue!

Michael.

Lucy1982_2

I can understand that one. A friend of mine has just moved into a new house and while she doesn't have much spare money now, she at least has her own house. I still live with my Mum (who's wonderful) but I can't see any point in the near future when I'll be able to move out.

It's really frustrating and I know I got myself into this situation, but that doesn't help!!

pollyanna24

I'm not in so much debt now besides my house. But I find it hard to look past the 35 year mortgage. All I see are years and years of having to work to have to pay this off. Don't get me wrong, I know most of the population has to do this. But 35 years is a long, long time.

shamu95

I feel exactly the same. i suppose though the end result will be well worth it.
I just hope that once i reach my debt free date i will be able to enjoy life. I feel like im over 100 already- massively tired and had enough.
Would never doing anything silly although lying if said never crossed my mind.
Luckily ive has mortgage since 18 but my worry now is will i lose it all?

newlywed

I have 5 years at least to go till DF and yes I find it discouraging sometimes when I think that we may not have much of a holiday or anything in that time. But then I try to look at how much I am paying on my debts just now and so how much money we will have as soon as my DMP is finished. If I save that money then just four months after DFD I will have over £2k to spend on a lovely holiday!!! (Though I doubt we would ever spend that much unless it was skiing).

5 years with little prospect of a holiday is depressing.

But if the financial network of this country goes belly up as some news items are hinting, at least I will know I can cope with a recession, lack of money etc as I have learned lots from here already.

angelface

Yeah i feel the same, we have only just posted our debt thingy and when we did a snowball it stated we will have to pay about £500 per month for the next 7 years.

i think the word I'm looking for to describe how I felt was 'hopeless'. I can fully understand why loans are so popular because you need to go through this bleak point to realise that you have a problem and that you need to start dealing with it.

Since then I have given myself a good talking to, put things on Ebay and tried to see past the debt, to a day when we don't owe all our money out every month.