Whopse - the spending got out of control!

Candyapple

freeman3030 wrote: »

Hi all,
Thank you for your responses, they really are much appreciated. Having read them, its given me a reality check and what you're all saying makes complete sense.
I have been living beyond my means. At age 18 my dad advised me to get a credit card to build my credit rating. It helped because 4 years ago, my partner and I bought our first home. The trouble I've had is, the credit card is now to my detriment as I've then used it when I've had a tight month or if I feel like I want/need something and I've become totally detached from the reality that I'm not spending my own money - its all borrowed.
I really don't want to be in a position when I'm in my 30's/40's and still chasing my tail in a circle of debt and I really don't want to loose our home- or disappoint my partner with all this debt.
I'm too generous for my own good and I really need to stop indulging myself with 'treats'.
I'm going to fill in a SOA and work out a budget. I've been living in a bit of denial, but it all felt manageable because there's been no interest. However, now it's imminent, I'm starting to feel the impending weight about to be put on me.
DEEP BREATH - lets get it paid!

It sounds like you've had your light bulb moment - good for you. We've all been there. Head over to the DFW diaries if you need some inspiration of what can/has been achieved and good luck in clearing your debts.

http://forums.moneysavingexpert.com/forumdisplay.php?f=177