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Secondary LBM?
Kate_fixing_it
Posts: 975 Forumite
Hi all,
Firstly I cannot thank all you amazing people for your support, advice and help over the last four months.
I also can't believe how much I have changed in my attitude to money. My big LBM was horrendous, it took me literally weeks to get rid of the sick feeling inside. I had another realisation a month ago (not money related) and I feel like I'm really grabbing life by the wotsits now.
This morning I seem to have had a bit of a "secondary LBM". I couldn't stop staring at my signature. Nearly £4k paid already! For the first time I didn't feel guilty about where that money could have gone, the words "I'm really doing it" keep echoing through my head.
My debts still have interest added as I had my LBM at the point where I had made a couple of late payments but no defaults but I'm already one card down, soon to be two and everything is coming down. And as ashamed as I am to admit I was in a PDL cycle I have paid them off and haven't touched one for 3 months and never intend to again - that I'm proud of.
I know I'm still relatively new to this but is this secondary LBM something others are/have experienced? I don't want to relax and lose momentum, if anything I feel even more motivated to find new ways to succeed.
Kate x
Firstly I cannot thank all you amazing people for your support, advice and help over the last four months.
I also can't believe how much I have changed in my attitude to money. My big LBM was horrendous, it took me literally weeks to get rid of the sick feeling inside. I had another realisation a month ago (not money related) and I feel like I'm really grabbing life by the wotsits now.
This morning I seem to have had a bit of a "secondary LBM". I couldn't stop staring at my signature. Nearly £4k paid already! For the first time I didn't feel guilty about where that money could have gone, the words "I'm really doing it" keep echoing through my head.
My debts still have interest added as I had my LBM at the point where I had made a couple of late payments but no defaults but I'm already one card down, soon to be two and everything is coming down. And as ashamed as I am to admit I was in a PDL cycle I have paid them off and haven't touched one for 3 months and never intend to again - that I'm proud of.
I know I'm still relatively new to this but is this secondary LBM something others are/have experienced? I don't want to relax and lose momentum, if anything I feel even more motivated to find new ways to succeed.
Kate x
LBM 17th Oct13 - SC DMP - DFD 10th Feb 2018
paid pre-DMP £6146
paid with DMP £2275 F&F's £700 (£450 discount) £1,000 (£1,498.22 discount) £ 700 (489.62 discount) Total £9725
Current debt to repay £3,503.13 taking one day at a time
paid pre-DMP £6146
paid with DMP £2275 F&F's £700 (£450 discount) £1,000 (£1,498.22 discount) £ 700 (489.62 discount) Total £9725Current debt to repay £3,503.13 taking one day at a time
0
Comments
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I do get such a buzz seeing that I am actually doing it. I think before I felt out of control but I don't anymore
Probably a LBM of 'I need to do it!' And a LBM of 'I can do it (and I am!)0 -
Well done on getting so far - you're doing excellently! :j
It really is such a thrill seeing the numbers going down, isn't it? I'm obsessed with my signature on here now - I look forward to payday each month not so I have money to spend, but so I can pay off more debt and see my numbers go down even further! :rotfl:
You should be proud of yourself, you're doing awesome. Keep it up! x 0
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