Time to clear the debt - for good!

laurag89

So pleased with myself, we very nearly had a Chinese takeaway last night which would have cost a fair amount of money, but instead I decided we should go to the supermarket instead to get a treat and that saved us loads!
My mindset have definitely changed!
Did some more surveys last night, and plan to get some done today too!

Rachel24

Hi Laura your doing fantastic! My debt is roughly the same amount as yours! I just got married this year though and trying to pay off my debts as we want to try for a family next year. Can I ask what survey sites do you do? Xx

laurag89

Rachel24 wrote: »

Hi Laura your doing fantastic! My debt is roughly the same amount as yours! I just got married this year though and trying to pay off my debts as we want to try for a family next year. Can I ask what survey sites do you do? Xx

Hello!

Congratulations on getting married! I am so excited for mine, but have to wait till 2019. We want to start a family too afterwards which is why I'm trying to clear my debt now.

I use:
Valued opinions
Opinion world
You gov
One poll
Prolific academic

laurag89

So today i had to buy my niece's birthday present as her birthday in on wednesday, and she wanted a baby wow toy which on most websites was £60. I managed to get it for £50 as it was on sale in Smyths toys and I found a £5 off code.
Usually the old me would have stuck that on my credit card and worried about it later, but not this time - I had already budgeted for it in my savings account!

Found i was really low on tops to wear and at work we dress down everyday so it was important for me to find some, so I went to the charity shop today and bought some real bargains Also budgeted for!

So although I haven't had a NSD everything I bought was budgeted for and not added to my credit card.

Also I am working tomorrow and we get double pay the money made will be going to the M&S credit card.

fruitloop04

You are doing so well laurag!! Sounds like your mindset has definitely shifted - if I can work out how to subscribe I will!

laurag89

Thank you fruitloop04!

I am finding that changing my mind to think that under no circumstances can I pay for something by credit card makes me think about whether I need it or not!

It's working for now, so will just carry on.

fruitloop04

That is a good mindset as credit is not really money (just getting my head round this!). It is so good you are not going to pay for your wedding with credit, my friend took a £20k loan for the wedding a few years back and are still paying for it now. It was an amazing wedding but it was not worth all the debt they are still in now. They now have 2 kids and regretting it (not the day but the amount they spent on it)! As long as the wedding is what you and other OH want then it is a perfect day x

laurag89

I agree fruitloop04!
Ours is not going to be cheap - approx 15,000, and I know it can be done cheaper but hopefully it will only be the once and we booked it over 2 years before to give us the time to save up for it. I know a lot of people that have borrowed for their wedding and thats not so bad until the day is over and your still stuck paying for it.
I went well over budget on my dress I completely fell in love with a designer one, but again I will not borrow for it I have taken on a Sunday job to pay for that. My pay from there goes in a completely separate account that I won't even look at until I have to pay for
My dress

As long as I can still overpay existing debt aswell as save for that wedding then that is ok I think! Again the old me would have borrowed for the wedding and dealt with it later - thankfully I don't have that way of thinking anymore!

System

Have just caught up on your diary. Well done on wanting to pay up front for your wedding . Weddings are expensive no doubting that .

laurag89

Cumbria_lass wrote: »

Have just caught up on your diary. Well done on wanting to pay up front for your wedding . Weddings are expensive no doubting that .

Thank you!
Yeah I thought we were going to do it quite cheaply but when you start adding all the other bits on it suddenly becomes really expensive.


If I can make it to the day without having to have borrowed for any of it, I will be extremely happy