2014 is turn around year

debtfree2014

EB been here many times and just go back to old ways.......NOT this time :money:

£4.00 spent yesterday and a NS day today. I have come in under budget. Start tomorrow with a new £50, spare from last week will be paid off CC.

Checked my 6 month loan payments. Next payday see's another one cleared :j.

Eyebright

Loving your determination and self-discipline, you are cracking on with your budgeting and debt busting! Keep up the good work as it helps keep me motivated lol :rotfl:

debtfree2014

Hiya, had a bit of a slip up but nothing major, so back to logging in before i lose it.

Had word today that I have been successful in my application for 2nd par time job, so all should be rosy in the garden before 2014 is out

debtfree2014

why why why why, do I keep doing this. Start getting sorted, then think Oh all going well, bills getting paid, Il just get this and that, stuff I dont bloody need. Just go round and round and round. I can still clear my debt in 2014. Just wish I knew the reason for the self sabatage. I get me into loads of trouble.........sick of myself.

x

debtfree2014

Back up and at it from today, login daily and plan ahead and hope hope hope I can figure out why I do this. Seems to me I must like like being in debt and the stress having no money brings !!!!!

x

debtfree2014

I have £10 to last me 2 weeks, all my own fault.

x

LAM2011

I spent years before finding these boards thinking that I was coping and in fact I was just going in circles. Dont despair the important thing is that you are aware and I agree keep logging in and keep recording all spends. Also dont forget to ask yourself if you really need it before buying it. I often sleep on it before buying something that way I often change my mind (especially after consulting my spreadsheet). It is hard but just think one day the money will be in the bank to go on a shopping spree!

LAM2011

Will your budget allow you to give yourself some pocketmoney - even if its £20 for the month - that way you can have one treat?

debtfree2014

Hiya, I see from your Sig you have had your debt free day, how brilliant, soo happy for you xxx

Yes my budget will allow me some pocket money, best I do that that spend my bill money, it's just stupid when I think of some of the things I've done in the past, so self distructive. I can go into 2015 debt free, if u knuckle down.

I am thinking of goimg to the bank and stopping to continuous payments on my payday loan, hoping that will force them into accepting a monthly amount. I realize my fault for getting it in the first place. I can manage the payments on the 4 6 month loans, each month I get the option to pay off each 6 month loan in full for half the cost of full term amount. If I can stick to my budget, I should be able to pay one off each month

x

jodles16

Just wanted to pop in and say well done for sticking at it and if you figure out how to stop self sabateuring or at least reducing it please share!

Good luck,

Jodles