My journey to a debt free life

MrsLottie

Well done OBL on getting through the year without using your credit card and not having any overdraft - it’s such a great feeling isn’t it ? Being free from overspending gives such a lift more than a spending spree ever could - probably because there is no following guilt and we’ve been strong enough to overcome the urge to spend .

Cherryfudge

Congratulations on a year! That's fantastic - and it sounds as though you've really made the changes to your lifestyle that will hep you sustain it permanently.

Honeysucklelou2

Well done OBL, an impressive achievement.

HairyHandofDartmoor

Your walk to the Quayside sounded lovely, I like going there too . I was in your neck of the woods for my birthday outing so I thought of you .

Congratulations on making a year with your DMP :T.

Willowtree222

That is inspiring. I need to not go into my overdraft. I am good at not using my credit card, but not good with my overdraft at all. I need to try to be a lot more determined. xx

Onebrokelady

Hi everyone just popped in for a catch up,I've had a busy few days with one thing or another

It's my day off today so I'm aiming to stay at home all day,I'm not feeling very well so need to try and recover, my back has been hurting for a few days but then spread into full on pelvic pain, I can't decide if I've just hurt my back,it's the Fibro or I have some sort of bug going on, I felt sick all day on Tuesday and spent the evening on the settee with a heat pad on my tummy,I had to take pain killers to be able to go to sleep

I went to work yesterday and did my afternoon clinic but then came home again when it finished
I've got to phone them this afternoon to let them know about tomorrow as I'm meant to be on a long day,we are short staffed at the moment so if I don't go in I'm not sure they will be able to cover my clinic,of course my joints are all getting in on the act today and are aching now as well

I'm really annoyed because I havent been off sick for a year in May and I was hoping to make it to then and not be ill :mad:

Onebrokelady

MrsLottie wrote: »

Well done OBL on getting through the year without using your credit card and not having any overdraft - it’s such a great feeling isn’t it ? Being free from overspending gives such a lift more than a spending spree ever could - probably because there is no following guilt and we’ve been strong enough to overcome the urge to spend .

Thanks, it is a lovely feeling,I actively dislike going shopping now unless it's for something I can't avoid buying, such a change in attitude for me :j

Onebrokelady

Cherryfudge wrote: »

Congratulations on a year! That's fantastic - and it sounds as though you've really made the changes to your lifestyle that will hep you sustain it permanently.

Thanks Cherry,I can't believe the change myself,this time last year I was a blubbering wreck and now I feel loads more in control

Onebrokelady

HairyHandofDartmoor wrote: »

Your walk to the Quayside sounded lovely, I like going there too . I was in your neck of the woods for my birthday outing so I thought of you .

Congratulations on making a year with your DMP :T.

I love it down on the quay and it's a lovely dog walk from my house,I just have to be careful in the giftshops down there:eek:
I thought you might have been around my way when you mentioned Byron Burgers

Onebrokelady

Nicnak wrote: »

That is inspiring. I need to not go into my overdraft. I am good at not using my credit card, but not good with my overdraft at all. I need to try to be a lot more determined. xx

I spent so long living totally in my OD,my wages would literally be paid in to pay it off then I would be back in it again,itwas one of the worst aspects of being in debt because I was stuck with that bank and a fee paying account

When I opened my new account it came with a large OD facility and I refused it,I think I allowed a £100 limit just for extreme emergencies but after a few months I cut that down to £50 and it's stayed at that amount since ,I've never used it and would like to get rid of it but I'm too scared I will forget a bill and go over,I must look at it again because I obviously don't need it if I haven't used it in a year