10 year cycle of debt must stop

HBFS

High_Peak_Lass wrote: »

HBFS - NWCFL - fairly low already!!!
The entrance fees aren't really the issue, it's the associated spend see, i've owned up now!

Very jealous of you!! I don't have a chance to get that low as I work most weekends and when I don't, I'm following Stevenage Borough about! Unless I can afford to watch Arsenal!

High_Peak_Lass

HBFS wrote: »

Very jealous of you!! I don't have a chance to get that low as I work most weekends and when I don't, I'm following Stevenage Borough about! Unless I can afford to watch Arsenal!

See my earlier post. We were spending the equivalent of a european city break going to watch Arsenal! Still love the Gooners, don't get me wrong but when we realisied that we could've gone to Paris and had a slap up meal for the cost, it had to stop! So now we shop local and support local.
The saddest thing is, I bet they never noticed the loss of our membership fees.

Still miss the unique big match smell though. Stale beer, greasy fried onions and horsesh*t, you can't beat it!!!!:D

HBFS

High_Peak_Lass wrote: »

See my earlier post. We were spending the equivalent of a european city break going to watch Arsenal! Still love the Gooners, don't get me wrong but when we realisied that we could've gone to Paris and had a slap up meal for the cost, it had to stop! So now we shop local and support local.
The saddest thing is, I bet they never noticed the loss of our membership fees.

Still miss the unique big match smell though. Stale beer, greasy fried onions and horsesh*t, you can't beat it!!!!:D

That was Highbury in a nutshell. The Emirates just doesn't have that smell However off to see the Birmingham game in Jan tho!

High_Peak_Lass

Have signed up to 2 mystery shop sites so fingers crossed!
Have asked for money to be put into my 'savings' account (empty!) to ry to aviod it being lost. Then will transfer onto debts.

Feeling a bit better about things than i did this morning.

High_Peak_Lass

wish I could spell when i type quickly!

High_Peak_Lass

Just a quick note to say thanks to Kevicho.
Got a mint card this morning on 0% till Jan 2009 so can pay off the CC in full during next 12 months. Will cut it up as soon as it arrives.

LizTaylor_2

I have been registered on this site for a while and I love it but I haven't ever posted anything until now.
I have just cut up one store card and one credit card just sitting at my desk at work. A good start I hope. I have lost count of how many times I have paid off my debts and then started them up all over again - a new credit card or a paid off balance is just an invitation to spend for me. As well as store cards with promises of 'points back' when you spend and my Next Directory - it's not like real money.
I guess I have about £5-6,000 on credit cards plus another £1,000 on store cards/directories and I owe my sister £1,000. Not a massive amount I know but I paid everything off once already this year, only in July so that means I have spent that much in 3-4 months.
I am a single parent and I live in a rented house. I earn £28,000 pa but I have no hope of buying a house because the money I got from my separation/divorce has been spent on paying off my debts. I have saved some - £6,000 which is in an ISA and a savings account - should I use it to pay my debts of leave it where it is?
I do budget for my bills and food etc. and I can manage on my salary. I even try to save £150 a month for holidays, Christmas, car tax etc. but I just keep getting the plastic out when I want something.
I spend for all the classic reasons - it makes me feel better (then worse), it's a social thing for me as I don't go out a lot, I love nice things and think that to buy the glamorous products makes me glamorous, I have spent in the past to keep up with a much wealthier friend and I love the attention I get for wearing nice things - clothes, make up, jewellry etc. I read all the glossy magazines and have to buy the 'must have' products. I even spend on my kids sometimes to boost their confidence and self esteem. I even regard expensive beauty treatments as what I am entitled to when i work so hard!
It's scary writing this down because it's so obvious it has to stop but I don't know how to do it or how to fill the gap. What will I do at the weekend if I'm not shopping? Last weekend I bought 3 PAIRS OF BOOTS in 2 days! I have at least that many pairs already if not more.
I am already having counselling following my traumatic separation and 'not feeling good enough' is one of the issues I am exploring though I haven't talked to my therapist about spending - too ashamed even to tell her.
I am desperate to do something. Does anyone have any advice or thoughts?
LizT

LizTaylor_2

Just reading what I just sent again I realised I didn't connect it to the other posts on the thread. I was just looking for posts that had something in common with mine. Newbie you see - not sure how it works!

High Peak Lass - I know what you mean about light bulb moments its just that I've had a few over the years and never followed up on them! I really need to sort this out.

It seems your troubles are worse than mine. My issue is that I have created this my by own greed and low self esteem and now it might affect everything.

You're very brave (as is everyone on here) just to start talking about it. It seems you got lots of advice. I hope I get the same.

Good luck. LizT

chevalier

LizTaylor wrote: »

I have been registered on this site for a while and I love it but I haven't ever posted anything until now.
I have just cut up one store card and one credit card just sitting at my desk at work. A good start I hope. I have lost count of how many times I have paid off my debts and then started them up all over again - a new credit card or a paid off balance is just an invitation to spend for me. As well as store cards with promises of 'points back' when you spend and my Next Directory - it's not like real money.
I guess I have about £5-6,000 on credit cards plus another £1,000 on store cards/directories and I owe my sister £1,000. Not a massive amount I know but I paid everything off once already this year, only in July so that means I have spent that much in 3-4 months.
I am a single parent and I live in a rented house. I earn £28,000 pa but I have no hope of buying a house because the money I got from my separation/divorce has been spent on paying off my debts. I have saved some - £6,000 which is in an ISA and a savings account - should I use it to pay my debts of leave it where it is?
I do budget for my bills and food etc. and I can manage on my salary. I even try to save £150 a month for holidays, Christmas, car tax etc. but I just keep getting the plastic out when I want something.
I spend for all the classic reasons - it makes me feel better (then worse), it's a social thing for me as I don't go out a lot, I love nice things and think that to buy the glamorous products makes me glamorous, I have spent in the past to keep up with a much wealthier friend and I love the attention I get for wearing nice things - clothes, make up, jewellry etc. I read all the glossy magazines and have to buy the 'must have' products. I even spend on my kids sometimes to boost their confidence and self esteem. I even regard expensive beauty treatments as what I am entitled to when i work so hard!
It's scary writing this down because it's so obvious it has to stop but I don't know how to do it or how to fill the gap. What will I do at the weekend if I'm not shopping? Last weekend I bought 3 PAIRS OF BOOTS in 2 days! I have at least that many pairs already if not more.
I am already having counselling following my traumatic separation and 'not feeling good enough' is one of the issues I am exploring though I haven't talked to my therapist about spending - too ashamed even to tell her.
I am desperate to do something. Does anyone have any advice or thoughts?
LizT

Hi Liz if you start your own thread you will get more responses. Just click the new thread button at the top of the forum and copy and paste what you put here
chev

Kevicho

LizTaylor wrote: »

You're very brave (as is everyone on here) just to start talking about it. It seems you got lots of advice. I hope I get the same.

Good luck. LizT

Hi liz, the advice is universal so im sure some of this thread could be useful, most DFW practices could be summarised in about 2-3 pages and they will cover 90% of situations.

Do as Chev suggested and post an soa (see the first time posters sticky on the board for help in doing this) and you will get all the advice you could possible need, and then a bit more.