We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

So here i am again......

Penguin8410 · 2016-10-12 16:28:08

So I've just been given my 5 year MSEversary notification yet i am in a much worse situation than i was 5 years ago. What have i actually been doing??!! i'm so angry with myself right now but so determined to change for the better. I now have 2 girls who i need to get debt free for. we live in a 2 bed flat and our long…

Comments

katy_ann Posts: 1,094 Forumite

20 October 2016 at 9:01PM

For me budgeting is everything! I had a spreadsheet for everything, incomings, outgoings, Christmas, birthdays, eventualities - every single penny I had was accounted for.

Its a little different as I didn't have children when I had my debt like you do but I'd still recommend spreadsheets and planning, from there you can see where each penny goes and you wont "lose track" of any money

Start off with smalls steps

Debt free once - Back again | Current debt: £2479.50 - January 2025 | Make £2025 in 2025 #11 - £41/£2025
0