IVA vrs real cutting back

Iwantanewlife

Misslayed wrote: »

Have a read of this thread, see what a difference effective budgeting has made to this MSEer's life in a very short time

https://forums.moneysavingexpert.com/discussion/6029271/new-life-pending

Thanks Misslayed! x

It is my thread commented above, and MissLayed is right. I first joined this forum the last part of July by the 25th September i had paid a ridiculous loan off, and had found peace and determination from budgeting. I too first posted a thread like yours, and got similar responses. Trust me when i say, these people know what they are talking about and have changed the way i look at money and the way i make every last £1 work for me. I have cut back EVERYTHING, i meal plan, batch cook and do not spend anything that i haven't accounted for (bar a couple of glasses of wine slip ups :rotfl:). My life is calmer, my life is planned, and i am determined to achieve financial freedom and peace.

Enthusiastic Saver is correct, Dave Ramsey shows are amazing. I listen to his podcasts every single day, and his baby steps are what i am following. (skipped step 1 to come back to as im a renter so used my original EF fund to pay off a horrendous 89.8% loan)

You can do this, but you have to live it and breath it, it has to be an every day decision to say that i want to change my life, and i refuse to live like this anymore. Once you get that determination, there will be no stopping you. Good Luck!

p.s - start a diary on here, im sure i bore people everyday :rotfl:, but the support and accountability is the best thing i did!