Debt Demolisher

Tipsntreats

One thing that I had to do in the past, was to tell my friends, that I could not afford to buy presents for them. I was honest and explained that going out for meals and stuff, is what contributed towards money problems in the first place. Trying to keep up with friends, who are in different financial situations, was an unfortunate habit of mine.
Just my little input for today.:)

motivated

rjwr wrote: »

Dear Motivated,

WOW! Firstly well done for starting the journey you have and i've glossed over this thread and it seems you have done exceptionally well at getting your situation under control.

I hope when this is over in 2024, you find yourself educating others about your situation and the things you have done along your journey.

I like so many others look forward to seeing how this progresses over the coming years.

(thumbs up smiley thing)

Hi and thanks for popping in rjwr

I am trying (very trying my DH says) :rotfl:

I hope so much to be able to bring my DFD forward but if I cant then at least I know that if I carry on as I am I WILL still get to end of the tunnel. SC and this site have saved us and I would dearly love to be able to help others who find themselves in a similar boat to me.

3 months ago I was in a huge ocean swimming in a sea of debt just my little head sticking above the surface about to drown. SC threw me a lifeline and I am now treading water, I will progress to a raft, onto a dingy, a canoe, and I will keep going until I am sailing full steam ahead to the finish line in a luxury liner. An imaginary one mind. I am in debt you know :rotfl:

motivated

Tipsntreats wrote: »

One thing that I had to do in the past, was to tell my friends, that I could not afford to buy presents for them. I was honest and explained that going out for meals and stuff, is what contributed towards money problems in the first place. Trying to keep up with friends, who are in different financial situations, was an unfortunate habit of mine.
Just my little input for today.:)

Thanks Tips

Any input is invaluable and I need all the help I can get.

The only ones who know about our situation are myself and my DH. We are budgeting for things like meals out etc and if anything comes up that's above our means I will think of an excuse so I wont have to explain
M

Debtfreein5yrs

Hi. Have just spent the morning reading your diary from the beginning.
Really inspirational. You are doing so well.

I've been battling debt and weight gain for many years so I can identify with so much of what you've said. Also guessing we're around the same age. Our children are also now adults with no grandchildren yet. I get paid monthly and my other half gets paid weekly and we have a similar level of debt!!

Our aim is to become debt free in 5 yrs so that we can then save for retirement. Was in a DMP for a number of years through Payplan but are now managing our own.

Looking forward to reading more of your posts in the future

Tipsntreats

Hi again,
I have just read through most of this diary now. It looks like you have lots of support, which is wonderful.
When I think back on my own journey, many words ring true for me.
So OK you spent too much on holiday's in the past - You still have those happy memories.
Once you become frugal it sticks. We are still very careful with what we spend, even though we have no monetary worries now.
I always compare food prices now, unlike the past when one big shop at Tesco was the only place I went. I use Lidll more and more, I cannot believe how much more I can buy, for a lot less than Tesco.
So I am still here, rooting for you.
Tips x

Treadingonplaymobil

Just popped by for a catch up. You are doing so well! It's such a long journey but you are heading in the right direction, and you'll be on your (virtual) steam liner cruising to the finish line before you know it. :cool:

motivated

:dance: Lots of visitors offering support today. Thank you all so much. It means a lot to know I'm not on my own here. Debt busting can get lonely at times

Debtfreein5yrs wrote: »

Hi. Have just spent the morning reading your diary from the beginning.
Really inspirational. You are doing so well.

I've been battling debt and weight gain for many years so I can identify with so much of what you've said. Also guessing we're around the same age. Our children are also now adults with no grandchildren yet. I get paid monthly and my other half gets paid weekly and we have a similar level of debt!!

Our aim is to become debt free in 5 yrs so that we can then save for retirement. Was in a DMP for a number of years through Payplan but are now managing our own.

Looking forward to reading more of your posts in the future

Hi Debtfreein5yrs

Thanks for popping in and you're right it seems like we are one and the same I would love to get mine finished in 5 years too. Once I have been plodding along with SC for a while I want to go self managed. Once I've got the hang of the whole thing I may be brave enough. Although someone on the DMP support thread went self managed after just 1 month with SC. I want the freedom of paying a little extra to one creditor and getting it paid off and then onto the next and so on. I work in a school and I get 6 weeks off in the summer so I may really look at the self managed route and how it all works and what I would have to do etc :T As for the weight gain :eek: I tend to blame mine on my underactive Thyroid. Its not its cos I'm greedy :rotfl:

Tipsntreats wrote: »

Hi again,
I have just read through most of this diary now. It looks like you have lots of support, which is wonderful.
When I think back on my own journey, many words ring true for me.
So OK you spent too much on holiday's in the past - You still have those happy memories.
Once you become frugal it sticks. We are still very careful with what we spend, even though we have no monetary worries now.
I always compare food prices now, unlike the past when one big shop at Tesco was the only place I went. I use Lidll more and more, I cannot believe how much more I can buy, for a lot less than Tesco.
So I am still here, rooting for you.
Tips x

Thanks for rooting for me Tips I need all the help I can get
we have fond memories of holidays when the kids were little and we took them abroad for the first time. I actually paid this off monthly and budgeted for it. What happened to me since then myself and DH have been abroad twice on our own and it was heaven but I will be saving for the next one we have.
I love doing my shopping Aldi, when DS and DD and partners are here they laugh at the chocolate brand names that I come home with, they soon eat it though.

Treadingonplaymobil wrote: »

Just popped by for a catch up. You are doing so well! It's such a long journey but you are heading in the right direction, and you'll be on your (virtual) steam liner cruising to the finish line before you know it. :cool:

Hi TOPM you are right about the long journey, I try not to think of the bigger picture. At the moment I'm looking at it going down into the next thousand each time (I hope) I have to try and set myself small goals along the way and one day, just one day I will be :j

I have just moved my SC payment across to the main account ready for Tuesday. Another payment going. Yipeee

motivated

M

Tipsntreats

Ah, we have pics:D

motivated

:rotfl::rotfl::rotfl: