Seen The Light

ste82

EssexOstrich said:

Well done! Your story is exactly the same as mine and I've approached it in much the same way paying off the quick wins etc., You're bigger than me though, I've still not 'fessed up but I'm fixing it all myself and will tell the hubby when it's nearer an amount that won't kill him. It's definitely a massive relief to deal with it though despite being boring once the novelty wears off! Welcome to the club

For me fessing up was the only way to go and part of making the change for the long term. We were a military family (left 2016) and everything about money was on me and I kept everything to myself (mistake!), if I suddenly started saying no to everything and all the sky channels stopped working etc she’d know something was up!
OH is now starting to take a wage each month from her business and I get a good wage from work, time to start having a better relationship with money!

Good weekend, got a wire brush (£4) and got rid of some paint on the front of the house that had been annoying me. Weekly big shop this morning and park with the kids this afternoon.

Have a great day all! 🙌

Aspiration

Very similar story and it’s great having a run where you see the debt drop down quickly.
Also know what you mean about payday, it just becomes an hour to move money around then set and forget for another month.
Well Done for a great mindset and progress! 

elbree

Sounds like you're making great progress @ste82 and is a relief when you finally add it up and start tackling it. I think you'll be surprised how quickly it starts to go down when you're really focused. Some people seem to be amazing at selling and raising cash that way but I'm rubbish at that! 

flapflop

You and I are in a similar position @ste82. I'll keep reading and hopefully we'll stay motivated through the grind. 

ste82

@flapflop @elbree thanks both for your kind words. Cleaning out the garage is on my to do list so might uncover some bits to sell.

splurged £18 of my pocket money on an anniversary present (10 years) for OH today. We’d got into a bit of unhealthy competition with gifts recently so agreed a £20 limit, which was enough for a nice gift from Etsy.

Hope everyone enjoyed the sunshine today!

LittleMissDetermined

Well done on clearing CC3 - it's great to see a zero balance isn't it?  I must admit I do keep looking at mine sometimes, just to marvel in what I'd been working on for so long.  

Happy 10th anniversary, it's our 10 years married in 2021 too

LMD x

ratrace

Well done on the progress you have made so far, What stood out to me in your op was when you said that your colleagues earn same as you but have better homes etc.... believe me appearances can be deceiving what may look like they are doing well on the outside but really could be in a load of debt also.

Never compare yourself to others that is not healthy, at the end of the day its just stuff and not important, as long as you and your family are safe and well thats all that matters in the end. this is one of the reasons i dislike social media such as fakebook as it seems to be full of people bragging about what they have or where they going etc.... and as a result others try to keep up getting in to lots of debt in the process, its just not worth it in the end. Hope this helps

ste82

@ratrace Appreciate the point. Maybe a different way to put it was the comparison on a mortgage calculator when I took the credits cards off!

@LittleMissDetermined 10 years has flown by!

ste82

payday for OH today, so another £350 off the CCs.

With that payment we’ve dipped below £11k. Credit card total is now £10882.12!

Just off to update my signature...

DrCarrie

Phenomenal work! Keep going...the Grindstone calls. But you have support and stay around here, keep yourself focussed, and learn what your triggers are so that they can be kirbed!