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confession time....

I think this is quite funny - how a website, this thread in particular, can affect your life and how you approach things.

I have paid off 2 debts in the past 6 weeks which i am sooooooo proud of myself for.

To reward myself i have decided to go shopping and have a blow out on clothes for myself (£50).

I thought i'd better fess up before going as i feel as though i'm betraying MSE in some sad sort of way by going to spend money on clothes when i still have 2 debts to pay off.

does this make sense?

I feel like a naughty school girl who is bunking of school or stealing a chocolate bar from a sweet shop. :rotfl: :rotfl:

In any event i'll probably feel really guilty about it in a few days time and take some of it back but i still feel the need to confess all before i go.
Official DFW nerd no 551 - proud to be dealing with my debts
Debts as of March 2014
Nationwide - £5745, Overdraft - £350,
Debts as of January 2015
Nationwide - £4997, Overdraft - £0:j

Comments

  • stacey21_2
    stacey21_2 Posts: 939 Forumite
    Why take some of it back? You need a little boost every now and then and £50 isn't a huge amount of money to spend - what did you get for this? Perhaps in the 'debt' days a 'blow out' would be considered as £200- now your describing a blow out as £50, that in itself is an achievement :)
    :staradmin:staradmin:staradmin:staradmin:staradmin
  • red74
    red74 Posts: 348 Forumite
    I agree with Stacey - everyone has a bit of a blow-out now and again, and you have achieved lots already :T .

    In the end I set myself an allocated 'treat' budget each month, which pretty much stopped me from depriving myself and then blowing out big-style. Quite a bit of the time I didn't spend it all because I was careful to stay within the budget, I then used what was left to pay against my debts.
    1st April 2008 challenge
    :mad: xmas overspend = [strike]£254.05[/strike] £0:j......cc1 = [strike]£240.78[/strike] £0:j .......cc2 = [strike]£667.47[/strike] £0 :j ...amount owed to ISA = [strike]£1599.90[/strike] £0:j
    TOTAL TO GO = [strike]£2762.20[/strike] £0 !!!:dance: DONE IT DONE IT DONE IT!!!:dance:
  • southernscouser
    southernscouser Posts: 33,745 Forumite
    Part of the Furniture 10,000 Posts Combo Breaker
    I thought i'd better fess up before going as i feel as though i'm betraying MSE in some sad sort of way by going to spend money on clothes when i still have 2 debts to pay off.

    does this make sense?

    It makes total sense to me. :)

    But try and remember, we're in debt, not in prison. We haven't done anything wrong. We haven't broken any laws. We've simply amassed some debt that we are working bloody hard to pay off. Why shouldn't we have the same luxuries and quality of life as other people.
    We are not prisoners! We are debt free wannabees! :beer:
  • what did you get then??
    Nosey? Me? Never? ;)
    5 Year plan. April 2020 to June 2025- CC and mortgage free by time I'm 60
    Currently CC £23,674.36 /£14,895.41/£14315.42
    Mortgage £28,214.65/ £26,254.71/ £25,746.43
    By end 2020 I want CC at £ 19,000.00.
    By end 2021 I want CC at £10,000.00
  • thanks guys

    I'm not even blowing money that is supposed to go to debt or spending on the CC's.

    I called Natwest and got £140 refund from my mortgage fees then i got my enviorphone cheques through followed by an unexpected tax credits payment of £260.

    I have paid the majority to the debt but decided to treat myself too.

    Made my mind up on saturday night. I was going out to meet friends and had nothing nice to wear. I'm 25, newly seperated from my husband, mother of 2 boys (3 years and 6 months) and decided that i need to spend something on me for a change. I haven't bought anything since last May, appart from maternity bits and bobs, so i thought i'd have some 'ME' money.

    I am so looking forward to it i'm fit to burst.

    I'll let you know how i get on.

    Thanks for the enouragement guys :p :beer:
    Official DFW nerd no 551 - proud to be dealing with my debts
    Debts as of March 2014
    Nationwide - £5745, Overdraft - £350,
    Debts as of January 2015
    Nationwide - £4997, Overdraft - £0:j
  • I'm sure it will be good for you to treat yourself. It's not easy separating and being a single mum. As long as you don't keep doing it it won't be a problem. Why not treat yourself every time you pay off a debt? It could keep you really motivated and stop you feeling deprived.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • headoutthesand
    headoutthesand Posts: 1,041 Forumite
    500 Posts
    well i thought i'd post an update on my shopping spree - if you could call it that.

    I went with the intention of spending £50 and came him with £20 change :j .

    I bought 2 nice tops in River Island (which will have to go back as they are too revealing for my little empire biscutes :cry: . Not really as bad as that but i'd prefer cream buns) and 2 t-shirts at £3 each from the Dorothy Perkins sale.

    I probably would have spent more if i didn't have my nana with me. She's 85 and has Alzhiemers so i didn't want to try anything on or take too long.

    She did see a nice basque type top in RI that she wanted to buy for herself but they didn't have it in her size :rotfl: .

    I will be popping back tomorrow to return the Hussy tops so i might have another look to see what i can get instead.

    It's funny how i now seem to look at the price and decide if i like an item rather than look at the item, decide i like it and don't bother looking at the price.
    Official DFW nerd no 551 - proud to be dealing with my debts
    Debts as of March 2014
    Nationwide - £5745, Overdraft - £350,
    Debts as of January 2015
    Nationwide - £4997, Overdraft - £0:j
  • jo1972
    jo1972 Posts: 8,901 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    I was just going to post and say make sure you don't take more than that £50 out with you but didn't need to bother :D

    Well done, you did well there girl!
    DFW Nerd no. 496 - Proud to be dealing with my debts!!
  • floss2
    floss2 Posts: 8,030 Forumite
    It's funny how i now seem to look at the price and decide if i like an item rather than look at the item, decide i like it and don't bother looking at the price.

    That's what being a DFW does for you! :T

    I must admit, I used to give myself a treat every month on payday when I was a single mum - bottle of Asda vodka, bottle of Asda whisky, bottle of Asda white rum.........:o
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