DMP & Mutual Support Thread - Part 11

[Deleted User]

Ellieseleven, this must be a really exciting time for you with so much that's good to look forward to and so much debt-busting success behind you:j

When Big Ben's chimes ring out next year you'll be so near to being DF:j. What a wonderful position to be in:T

Here's to a brilliant 2016 for all of us:beer:

Ellieseleven

carbootcrazy wrote: »

Ellieseleven, this must be a really exciting time for you with so much that's good to look forward to and so much debt-busting success behind you:j

When Big Ben's chimes ring out next year you'll be so near to being DF:j. What a wonderful position to be in:T

Here's to a brilliant 2016 for all of us:beer:

You're right CBC, I am excited for the future, it's been eventful so far;)

I raise my glass to all my fellow debt-free wannabes, I couldn't have done any of this without you:beer:

Happy New Year
Ellie xx

sourcrates

Happy New Year to all on the DMP board !!!

Sazzie23

Happy New year everyone, we made it to 2016.

Let 2016 be the year we all get closer to debtfreedom :beer:

Hopelessly_Hopeful

Happy New Year to you all

Hope you are all well. Rarely on these days as no recent experience to offer but I do think about the thread and how you doing. Couldn't have got there myself without the threads so will always be grateful. To meet nice pals along the way is of course a huge bonus

I hope 2016 brings you everything you hope for

HHx

BeingDebtFreeStartsHere

carbootcrazy wrote: »

You're so right, BDFSH, we know exactly where you're coming from:T. I bet a lot of us have felt exactly the same. And you weren't whinging so please don't apologise. You were just letting off steam among like-minded people. It's often impossible to express our feelings and frustrations about our debts in real life;)


You've done so well to have paid off all that money in one year especially with young children who seem to eat money:eek:. Feel really proud of yourself for that:T


I had similar feelings as you describe when I saw TV footage of the sales on Black Friday and other manic days. People in shopping malls laden with carrier bags from posh shops containing goodness knows how much expensive stuff. One woman, not much out of her teens by the look of her, said she couldn't find much of interest and so only bought 3 designer handbags:eek:. I'm ashamed to say I felt so envious of their spending power and almost cried at my own ineptness in getting myself to this debt-ridden state.


But on reflection, we don't know what the state of these big spenders' finances are like. They may have mountainous debts themselves and be maxed out on their credit cards. They may be living for today, keeping up with the Joneses , but secretly dreading the CC bills coming in in January. At least all us DMPers knew when enough was enough and started to put things right:j


Now for a brand new year with the promise of being so much less in debt at the end of it:j. Have a wonderful 2016 everyone. Together we can do it:beer:

Thank you so much Carbootcrazy What you said is sooo true - they may be up to their eyeballs in debt but in complete denial - we should all be totally proud that we have realised that we have to face up to our debts and are tackling them head on.

Here's to a wonderful 2016 - and more debt cleared

BDFSH x

BeingDebtFreeStartsHere

Ellieseleven wrote: »

...and many of them are probably funding all those new clothes, perfumes, shoes etc. on credit.

Take comfort from your fantastic achievement of £7000 in 12 months and just remember you will be debt-free in no time;)

Take care and Happy New Year:beer:

Ellie xx

Thank you Ellie What a brilliant achievement for you too - 14 months to go!! Think how you're going to feel this time next year!! Have a great debt busting 2016

BDFSH x

Triangle

BeingDebtFreeStartsHere wrote: »

Hi all,

I often feel so guilty that our kids lose out on a meal out at a restaurant, a nice pair of new sparkly shoes, some lovely new clothes or a great birthday party, just because my hubby and I got ourselves into such a mess wth our debts. Sometimes I wish for a second that we could just go out and buy some treats for us all on a credit card but I know deep down that I would regret this 100%. We haven't got the facility to do that anyway!!

Sorry to have a bit of a whinge but I know you guys are in the same boat and will understand where I am coming from.

I do love our DMP and am so glad we made the decision to set it up. Here's to another year of reducing that debt even further

Happy New Year everyone!!

BDFSH x

Thank you so so much for posting this. I had the exact same thoughts a couple of days ago - met with a friend who was telling me about all the exciting things they can do as their finances are so good at the moment. It wasn't jealously as such (this person is a very dear friend and much deserved) just sad that I can't give my munchkins the life I had when I was younger due to stupidity both myself and my DH had regarding credit. I actually felt close to tears. Then I forced myself to look at all the good I have in my life - we are very lucky and we are finaly doing something postive about our finacnes.

You have made me feel less alone - thank you
Onwards and upwards in 2016!

Tx

BeingDebtFreeStartsHere

Triangle wrote: »

Thank you so so much for posting this. I had the exact same thoughts a couple of days ago - met with a friend who was telling me about all the exciting things they can do as their finances are so good at the moment. It wasn't jealously as such (this person is a very dear friend and much deserved) just sad that I can't give my munchkins the life I had when I was younger due to stupidity both myself and my DH had regarding credit. I actually felt close to tears. Then I forced myself to look at all the good I have in my life - we are very lucky and we are finaly doing something postive about our finacnes.

You have made me feel less alone - thank you
Onwards and upwards in 2016!

Tx

Hi Triangle,

I'm so glad my post made you feel less alone. Being in debt can feel like such a lonely place at times, that is why this forum is so valuable and the people on here so helpful and non-judgemental. I

'm the same as you when I see friends posting on social media about places they are visiting or enjoying meals out etc (as Carbooycrazy and Ellie said this is probably on credit cards!!) whilst we are stuck in the house not able to afford to go anywhere. We are not able to give the kids a good birthday party this year - probably just allow them to have a friend over for tea but they will still enjoy that. We have found nice walks to go on which don't cost a penny, the kids loved the walk just before Christmas, feeding the ducks and watching cheeky seagulls trying to pinch the bread off the swans!! It was so lovely watching them laughing and playing. I guess precious family moments do not have to cost a fortune and spending time with your kids and giving them your love and attention is worth more than any expensive treat.

Our kids actually understand the value of things and realise that they cannot just have everything they want. They save their pocket money and have also sold old toys via buy and sell pages to get money to buy new things. Although I will always feel guilty that I cannot give them as much as I would like to, I am proud that they will grow up with financial knowledge which will hopefully stand them in good stead in their adult lives.

Wishing you and your family a great 2016 with more debt cleared

BDFSH x

BeingDebtFreeStartsHere

Hi all,

Just seen something that I may try this year and wondered if anyone else wanted to give it a go!! Starting today - day 1 of 2016 - save 1p. Tomorrow - day 2 - save 2p etc etc, day 100 - save £1 etc until the end of the year (or up to Christmas). Apparently it says you will save around £400 and will hopefully not be too difficult to stick to. I may do this until December and use this as my Christmas spends

Just wanted to share

BDFSH x