The long haul supporters thread...

lucielle

Hi flumpkin, your debt is pretty similiar to what we started with. It does get easier and its a big boost when a card is gone, but the monotmy of it all does get to you. Like Millionaires post above you have to focus on the end and factor in a few treats. HTH
L

flumpkin

Wow Lucielle, well done on your journey. You have come such a long way and are so close now. Thanks for posting - shows me it can be done. It is shocking to see the amount my min payments add up to and how much I'd have 'spare' each month once these debts are paid off.

I look forward to having a wonderful holiday at the end of it all (paid cash of course) and desperately want some work doing on the house. I won't have it done until the debt is cleared though.

The snowball calculator has really inspired me. The idea that by not spending something and making an extra payment could bring my date forward is hopefully going to motivate me to stick to this.

I really need to get a budget sorted next .... x

millionaire_in_training

Flumpkin. I am a huge fan of the snowball and can sit and stare at it for hours on end

flumpkin

Hehe, not just me then MIT ?!! Only 1 week in and I am becoming obsessed! :-)

lucielle

An extra tenner here and there all adds up in the grand scheme and as that supermarket says.......every little helps.
L

andrar

Cheers for the advice - I think some reminders of my goals by my mirror should help. Hopefully it will make it feel less out of reach! And I need to keep reading this thread as knowing i'm not the only one has made me feel like it's not so bad...thanks!

millionaire_in_training

so what are your goals then andrar. Only if you want to share

andrar

Hmmm...well being able to afford to socialise weekly without having to worry about how many beers I can afford.

And as much as I love my housemate, i'd love to be able to afford to rent on my own before i'm middle aged!!

And a holiday once a year would be lovely too.

All of that is in my reach when i'm debt free - bring it on!!

millionaire_in_training

There you go. Stick up pics of where you want to go first and that'll remind you every time you feel like spending. It's all in the mind :cool:

lucielle

That's the spirit.
L