What has your debt stopped you from doing in life?

Newyorkdreams

Deleted_User wrote: »

Oh god I feel I cant show my face on that thread I started it then went AWOL!! This is me just venturing back on here!

It is amazing/shocking to see how debt has impacted us but it was made so readily available to us that we just snapped it all up!

Wish I hadn't now. If I think what I could have been doing now if I hadn't got myself in debt - makes me want to cry a bit tbh.

Dxxx

Aww bless you hon, here is a hug :grouphug:. I feel like that sometimes when I let my mind wander. I try not to do it too often because it makes me want to cry too. I try to pull myself back and focus on the task at hand - getting the debt down but some days it just beats me.

Och, your always welcome on that thread hon! It's still going but it's quiet, I think you would invigorate it. The main thing is, your back and that's all that counts.

NYD x

[Deleted User]

Yeah I try to be positive mostly but sometimes it just grabs hold of you & you think what the hell have I been doing!

Glad it doesn't happen often tho - phewwwwwwwwww

I will pop on over & say hi.

Dxxx

[Deleted User]

stewby wrote: »

The main thing (and my reason for ending up on here) is pretty much cause I found my dream house... it required work but was beautiful pink granite little cottage. It was all detached with a great garden and I could see myself living there forever.
If I had realised that I could overpay my mortgage when I got one and done that and not ended up in debt and with a loan, then I could have bought it (with a large but manageable mortgage).

Instead, I sit here thinking about it and wishing I could change the past.
:undecided

However, on a positive note... it has made me have my light bulb moment. Now the plan is to make my dad proud and get myself debt-free. (sorry, it's corny but true).

Well good luck with it all.

We are all in the same boat if I could turn back time I would love to but then you would need to think how would this have impacted other parts of my life.

I maybe wouldn't have met my husband so I am thankful for that.

Dxxx

Getting_There_Slowly_2

Great thread, not exactly positive but a worthwhile discussion! Debt has allowed me to do stuff in the past, like buy my house and run a car, but is preventing me doing things now. No holidays abroad, no home improvements in the last ten years apart from a lick of paint, running an old car and an old motorbike despite my wife and I earning average wages.

At this stage in my life I seem to be putting money into my future (pension, savings) and my past (loan, mortgage) with just enough left for the bare essentials in the present! I'm sure plenty of others can identify with how that feels. Roll on Jan 2017, my debt free date!

MrsGSR

It's stopped us from having any holiday in the last few years even a modest self catering one. We've never been ones for extravagant holidays or extravagant anything and I think that's mainly down to poor financial planning. I know these are wants rather than needs but a break from the norm does do wonders for the soul.

Mich81

Another one here who got into debt at 18, and at 32 is still in it.

Worked in a bank service centre at 18, and they used to get branch staff in telling us we were pre-approved for overdrafts / credit cards / loans - and silly old 18 year old me didn't think of the consequences.

I've not missed out on holidays etc, as those as partially the reason for my debt - but I have missed out on everything my friends have managed like buying a house (or even renting) and having kids. My debt stopped me from dating, as I was sure no man would want to get involved with someone heavily in debt, and I knew if the time came that they wanted to buy a house that I wouldn't get a mortgage.

[Deleted User]

Yup me, was 18 when I got into debt & I will be 31 soon.

Dxxx

Monkeyballs

I'm 37 and turning 38 next year... Thanks to a combination of debt and gambling (with a bit of alcohol, depression and self loathing on the side) I've pretty much screwed up the last 10 years of my life :-(

On the plus side, most things are behind me now with my demons well and truly under control (thanks to everyone who has helped along the way!).

Life is getting better everyday now though, the only way is up up up!!!!

MB

[Deleted User]

Monkeyballs wrote: »

I'm 37 and turning 38 next year... Thanks to a combination of debt and gambling (with a bit of alcohol, depression and self loathing on the side) I've pretty much screwed up the last 10 years of my life :-(

On the plus side, most things are behind me now with my demons well and truly under control (thanks to everyone who has helped along the way!).

Life is getting better everyday now though, the only way is up up up!!!!

MB

You defo sound as if you have come out of the other side.

Good luck

Dxxx

Broke_Kitty

I never realised how much my debt was holding me back until recently. When I see my boyfriend able to just buy stuff when he wants it, and the people I know go out and socialise every night of the week and I can't do either of those things.

It also stopped me from being able to go back to college (I got screwed by my highschool, I basically wasn't allowed to take the GCSEs I wanted to, leading to me not being able to go straight to college to do what I wanted with my life) as I would no way be able to afford it.

The main thing it's stopped me doing is moving out, I'm still living at home and almost everyone I know has been fending for themselves for years.

I can't wait til I'm debt free and half my monthly wage is freed up.