Is it normal to feel like this?

doingitanyway

I am at the same stage as you are Sunday Girl. I have been paying off debt since March 2016. I started my diary in January 2016 and it took me a few months to stop using credit and cut up my card and then I got stuck in. I had £24,822 to pay and tomorrow it will be £6,700. Now I can see the light at the end of the tunnel it is becoming so much harder. I want the debt gone now too, but like you I will keep going at it hard because I want my life back. It isn’t a race and when it gets tough I schedule treats, but until this debt is gone I won’t feel truly free. Not long to go now. We will soon be free.

sunday_girl

Thanks again for the words of encouragement! It has helped me to gain some perspective back about the situation. Well done to everyone who is still plodding onwards, I hope I can come back and update this thread when I'm finally debt free (and have been on holiday :cool:).

usedtobeblue

I dont know how i came across this thread but just wanted to say hi, hope you're finally debt free and have a holiday of some sort booked! Im only starting out and wish to goodness i'd known about this years ago! Anyway hope you're in better form now x

sunday_girl

Just thought I would update this thread to say that today we made the very last payment to our debts! No holiday money saved as yet as I've been throwing everything I can at the debt. Back in August, I felt like this day would never come, but it has, just waiting for it to sink in now.

Champagne is in the fridge for tonight - we have earned it I think :beer:

Oh and we are no longer mortgage prisoners either - we were offered a good deal by Santander a couple of months ago so things have improved there also.

Good luck everyone, keep plugging away, it will be worth it

enthusiasticsaver

Wonderful news. Now to learn the savings habit. All those debt payments can be put into a holiday savings pot or a savings pot for a car. Do not be tempted to start to borrow again. For tonight though treat yourself. You have earned it.

another_casualty

Glad you got through it Sunday girl . :T:beer::j
Having a large debt ,can be soul destroying . While on my dmp I couldn't afford to do up my flat , and took a reduced price as a result when I sold it .
Anti social media ,has to be treated carefully imho.
I feel sorry for that policewoman who was killed by her husband while they were trying to keep up with the Joneses .
If they found this site , who knows what would've happened ?

Mse with people like your good selves has been a godsend .

determined_new_ms

great update! Congratulations

lookstraightahead

I am debt free now after years of misery. In my forties and sold my home years ago and renting but can buy next year. I am absolutely loving being debt free. It’s such a freeing feeling. You are nearly there. When people my age talk about curtains, a new range in sofas, extensions, expensive wrinkle cream, I get envious for a while and then I think of the progress I have made. I think people see us as poor even though we are now saving like mad and have good jobs. Go with it. Everyone has their own problems and to be honest I do not want to be the kind of person who worries about curtains.

lookstraightahead

Ah justvseen your latest post. Told you it would feel good!

Fireflyaway

That's great news! The fact it caused you to struggle and feel a bit of pain will help prevent you ever getting in debt again. Well done for not giving up and just think of all the cool things you can do now!