The English Rose goes frugal

sunshine_raincloud

Hello. I just wanted to drop by and say congratulations on starting your journey to tackle your debt! It is very normal to have those feelings of being overwhelmed. I have definitely been the same at many points! But it will get easier and you will feel so much better as you get into a routine with your plan and start to see the numbers falling! 

One thing I have learnt from this forum, which I find motivating is getting an 100 square chart and figuring out what 1% of your debt is then every time you pay this amount off you can cross off a square on the chart. A bit like a sticker chart for a child I know but I find that it gives me perspective and is good to remind yourself how far you have come. Sometimes when I feel like I am a bit stuck I look at the chart and I always look forward to crossing off another square!

Like winterwarrior I would also recommend Dave Ramsey's baby steps. Reading diaries on here is also great to know that you are not alone and the debt free roll of honour is great to feel inspired by other people's journeys and remind you that you will get there eventually! 

I hope today is a better day for you.

Take care!

EnglishRoseJane

Thank you Winter and Sunshine. Some fabulous advice from both of you. I will definitely take all of these on board.

Finally got paid late this afternoon so I can now make a plan  

Its been a very frugal few days indeed. We just about got through but we made it