Slow Progress

wiggly

FireWyrm wrote: »

Why dont you use YNAB? I do...

Enter your spending as splits and then you can analyse it later. You cant fix what you dont understand.

Just coming back to steal your food breakdown idea for October......

Mort

wiggly wrote: »

Hi all

I just wanted a little bit of a moan somewhere people would get what I mean....
But does anyone else struggle with how LONG it all takes? I have a DFD of next June, I'm 3 months into the plan, and I'm BORED of waiting already. I don't want time to speed up as such but god, the next few months are just dragging their heels.

I think I have patience issues :rotfl:

I know where you are coming from but 11 to 13 months is not that long in the grand scheme of things. Don't let the boredom get to you, why not plan to do something nice when you have reached your DFD?

Pidge_jen

I have the same problem - ever since my lightbulb moment me and hubby have made really good progress - paying off over 12k in one year and building up 1.5k savings - but I am impatient and want it done now! :rotfl: still got 15k to go between us :eek:
With each pay day and each loan repayment the stress lifts a little more. Never ever again will I spend frivolously on credit - it's a dirty word in my house!

Kate_fixing_it

I think many of us experience the mid - month "lull" in activity.

When it gets me I try to remember that even if nothing happens to pay down the debt I'm still a day closer to being rid of it. Pre-LBM I'd have these mid-month boredom phases and that's when the credit would get battered. I still get the urge to spend (any habit is hard to break) but I'm nearly £ 6,000 less in debt to the plastic than I was this time last year and I'm not making it worse!

Pat yourself on the back, you are nearly there. The last bit of any task is the hardest. Take one day at a time if needs be and relish in what you have already accomplished. Millions of people out there can't/don't do what you have already.

Kate x

Newyorkdreams

Congratulations on your pregnancy hon - I'm 17 weeks tomorrow!

I am too trying to pay off my debt and save for maternity although I don't have a toddler to look after too!


Unfortunately, my DFD is a bit longer than yours (Was April 2016 but falling pregnant earlier than we thought it would happen it means our DFD is now July 2016), but yes it gets boring and waiting is tedious. But, use the journey to learn new things. I posted a few weeks back about how MSE has taught me so many things and all our baby things will be bought cash and maternity leave will be paid for by budgeting and cutting back/saving rather than using credit as we would have done in the past.


Keep me posted on how you are getting on!

NYD xx

wiggly

Mort wrote: »

I know where you are coming from but 11 to 13 months is not that long in the grand scheme of things. Don't let the boredom get to you, why not plan to do something nice when you have reached your DFD?

Oh now that's a good idea. Something nice to do. I'll have a think about that one :T