My Debt Free Diary: Virgo In Pursuit
Debt-Busting Progress: 2020: £13,200 | 2020: £9,200 | 2021: £4,900
2022: ongoing
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Debt-busting newbie
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[Deleted User]
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Good luck sunshine. Starting with an soa to look at all your income, assets and outgoings is a good place to start. Also budgeting for gifts and going out and then sticking to it is a good step, though hard at first. It is hard to say no to things, but your priority should be looking after ‘future you’ by clearing the debts.I like Dave Ramsay and his snowball method and straight talking, although he’s not for everyone 😬
Its taking me a long time to get into the cutting back mindset, it’s not easy, but it will be worth it.Not all who wander are lost - J.R.R.Tolkien
🌊 A smooth sea never made a skilled sailor 🌊
My WW and friends diary is here 😁 …
https://forums.moneysavingexpert.com/discussion/6259606/must-try-harder/p12 -
Welcome! Just dropping by to cheer you on
@WinterWarrior is right - you can start by doing an SOA. And you can post it on here when you're ready - you'll be surprised with the suggestions you might get once you do. Personally, seeing your numbers (income and outgoings) also puts things into perspective.
And you look like you have a plan sorted - which is positive. Keep posting on here and we'll be happy to cheer you on. Good luck!0
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