Majoggy said: I have a totally different relationship with money now and I am proud of myself for digging myself out of debt.
The single biggest thing was seizing control instead of letting things happen to me. Keeping detailed spreadsheets has been my single biggest motivator - I update them every month and keep six month progress snapshots. From the first to the most recent is like night and day (I'm a standard rate tax payer and have dealt with this without a DMP, I've cut expenses to the point that on average 35-40% of my net income goes to debt repayment). Digging out of a hole this size and truly figuring out want vs. need has been all the self-esteem boost necessary.
My mindset changed once I had started to listen to Dave Ramsey and since then I haven't used a credit option anywhere, its not been easy as I'm moving money around but I'm more aware of what I can't do, and thats add to my debt. Ive struggled of late due to less pay as I was furloughed but I will get there.I'm now ready to snowball my credit card in my signature after paying off a carpet right 0% agreement, so I will have £145 a month going into the M&S Card below.I started dating in November so its harder to be focused but I've drip fed my situation to my partner and shes ok and understands what I'm doing.
This first-time buyer wants your thoughts
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