Mrs ashamed

satchmo1

You'd be amazed at how much part-used perfumes can sell for on eBay.


#subscribed and rooting for you.


If you drink at home, it can be very MSE to cut down/give up. You could tell your OH you are doing it to cut out the empty calories?

Lesleyzz1

satchmo1 wrote: »

You'd be amazed at how much part-used perfumes can sell for on eBay.


#subscribed and rooting for you.


If you drink at home, it can be very MSE to cut down/give up. You could tell your OH you are doing it to cut out the empty calories?

I never thought of looking for half used perfume but thats a great idea. I have a load of skiing clothes I wont be using because I've done my back in so have cancelled the trip( supervising kids as I work in secondary ed) I def wont be going next yr so I might put them on ebay. The fact I'm not going will also save me about £100 in spending money!!:D Cant bloody believe Ive got myself in this state and its going to take a long time to sort:eek:

sweetpea26

Hi Lesley

Best time of year now to list winter sports clothes and since you are off work you can get it sorted quicker. Sorry to hear you have hurt your back.
Debt can be very overwhelming but you are taking action and you will sort this out one pound at a time.

Be positive.

Lesleyzz1

Just joined the Crazy clothes free challenge. Ok, maybe not totally clothes free but a big cut down and a completed de clutter in hand.

Maybe if I managed to lose some weight more stuff would fit me again.:o

Will look for more challenges later!:rotfl:

skintygerlinky

Hi Lesley xx

When I posted my own diary, I had so many supportive replies saying 'I was just like you' and I also felt better! I've definitely realised that my personal attitude towards money and my financial situation has been the problem all along - I've wasted so much on buying things I simply don't NEED in order to feel good.

BUT! The best decision I've made is to be open about it and now there's nothing to fear. The situation is what it is and I'm dealing with it.
I'm similar to you in looking at my clothes, make up, holidays, books, nice things for my home, presents for others....I've just frittered away so much money! I'm just not buying any more!

There are so many threads on this forum that offer invaluable support from lovely people. Please take your time to go through them, decide which will work best for you (I've spotted you on Crazy Clothes Challenge!) and then go for it!

You've mentioned that you may 'be here for a while' but please see this as a positive thing. You are setting a great example for your daughter by realising your situation and being determined to change it. It may seem overwhelming but you are in the best possible place here on the forum to pay off your debts.

Every single payment is something to celebrate on here and it feels good!
Cut up or freeze your credit cards - and we're here for you every step of the way xx

mfmaybe

I share your slightly "ashamed" feeling as I have a very well paid job. But what you have in your favour is that you can quite easily cut out the spending that caused the debt. Yes of course it takes discipline, but I think you will very quickly see a difference. The debt won't go up if you don't buy stuff, and as if by magic it will go down instead :j.

Good luck :T

Lesleyzz1

mfmaybe wrote: »

I share your slightly "ashamed" feeling as I have a very well paid job. But what you have in your favour is that you can quite easily cut out the spending that caused the debt. Yes of course it takes discipline, but I think you will very quickly see a difference. The debt won't go up if you don't buy stuff, and as if by magic it will go down instead :j.

Good luck :T

Thanks very much for the support.
Now I've sat and worked out my plan I've realised I can probably cut 2or 3 years off my original timescales just by cutting back, not buying anything new, planning and paying extra off the loan each month.
Im just so glad i'm fortunate enough to have the means to do so:T:T

Lesleyzz1

Morning,
Ive been looking at Dave Ramsey's snowball debt solution. Has anyone else used this and would you use it?
This may be the way forward for me???
Thanks xx

jwil

I haven't seen that particular one, but snowballing is generally considered the quickest way of clearing your debt - i.e. throwing every spare penny at the debt with the highest interest and paying minimums on everything else.

Some people like the psychological boost of clearing something though and so target the smallest debt first regardless of whether it's the highest interest.

I use this snowball calculator: http://www.whatsthecost.com/snowball.aspx

jwil

If you've had a spending habit and have loads of 'stuff', then why not consider decluttering and selling some off to raise extra cash to throw at the debt. It's amazing how much you can get for some things (and how little for others!!), but it can be addictive seeing the cash come in.

It's how I'm tackling my debt mainly.