Trying again...

3 Posts

I had a diary on here before but I'm desperate for a fresh start. I managed to clear almost all of my debt and looking at the progress I had made is making me feel really guilty because now, a year on from being so close to debt freedom, I'm back to square one. £13,421.77 to be exact. How did I let things get back to here? I feel like I've failed, can I just rewind 12 months please?
So today is the day I'm going to change my spending ways and do something about it. Again..
So today is the day I'm going to change my spending ways and do something about it. Again..
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You haven't failed, it's just a blip that's all.
Keep going!
Pmo2
xx
BC: £5000.00 - Lloyds: £5590.00
Xmas Pot £535/£700 ~ EF £621/1000
PAYDBX 2021 - #? £0 / £2,000
Did anything change or did you get complacent and think it would be ok.
You know what to do and how to get rid of the debt so you have a better start than others.
We have bought a house which needs a lot of work but that's not even an excuse because only thing house related was a building inspection on my credit card (£750 or so out of £13k!). I really have very little to show for this amount of money, it's just wasted, I feel so guilty sabotaging myself.
I'll post my totals later and work out what needs tackling first especially as my interest free period runs out soon on my credit card. I have lots I can put on eBay and a lot of it is summer stuff (2 and a half stone on in 12 months too) so I'll start there, it's probably a good time to list summer clothes. Debts and diet completely self sabotaged!
Save 12k in 2023 #35: £4250 / £12,000
Earn £365 on Prolific in 2023: £53.50 / £365
**Credit card debt free 30/06/10~**
MFW. Finally mortgage free February 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb.
It starts with you, it starts from now. *** It is ok to be me.***
***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
11 (weekly) pay days until Christmas and it would be really nice to be in the £14k bracket by then, totally do-able, so that's the first mini goal.
Does anyone have any advice on staying motivated/resisting the splurge?
Break the debt down into smaller goals which will seem more achieveable than one large number.