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Debt-busting newbie

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[Deleted User]
[Deleted User] Posts: 0 Newbie
10 Posts
edited 14 February 2022 at 4:42PM in Debt free diaries
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Comments

  • 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/p1

  • anjyeah
    anjyeah Posts: 240 Forumite
    Third Anniversary 100 Posts Photogenic Name Dropper
    Welcome! Just dropping by to cheer you on :smile:

    @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! 
    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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