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You have to start somewhere...
wredna6
Posts: 2 Newbie
...so here I start.
I have always been struggling with money, even when I was a kid. I lack self control in all aspects of life really. I am overweight, in debt and really unhappy about myself.
My Lightbulb moment came when I chose to miss payments in December to finance a trip at Christmas. A trip that has been booked for months and that I could have easily saved for. The letters coming through the letterbox were just hidden and forgotten about, the phone calls unanswered and added to ignore list. But I deep down I knew that I couldn't ignore it forever.
So I picked up a phone, called all my creditors and set up payment plans on what I could afford. I asked for all accounts to be closed for purchasing and started researching debt and budgets.
I now have a rolling spreadsheet for all my spending and Snowball effect table says I will be debt free by August 2017. I really hope so!
I have always been struggling with money, even when I was a kid. I lack self control in all aspects of life really. I am overweight, in debt and really unhappy about myself.
My Lightbulb moment came when I chose to miss payments in December to finance a trip at Christmas. A trip that has been booked for months and that I could have easily saved for. The letters coming through the letterbox were just hidden and forgotten about, the phone calls unanswered and added to ignore list. But I deep down I knew that I couldn't ignore it forever.
So I picked up a phone, called all my creditors and set up payment plans on what I could afford. I asked for all accounts to be closed for purchasing and started researching debt and budgets.
I now have a rolling spreadsheet for all my spending and Snowball effect table says I will be debt free by August 2017. I really hope so!
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Comments
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Good luck with your journey. You sound determined.1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%
[STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.0 -
Good luck!Keep reading books!
January grocery challenge Budget £150. Spent so far: £77.44. Remaining: £72.560 -
Good luck! I've not long started clearing mine too & it's addictive, I'm constantly looking for new ways to save money.0
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Thank you for your warm welcome
parsniphead I just hope I can stick to it! I am sure once I see results it should be a lot easier but for now it just seems like a really really long road0
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