The Secret DFW Diary of Eamd Aged 13¾

embarrassed_about_my_debt

Hey rtrw,

Many thanks, i havent spent on my credit card for a good few months so should be ok! My girlfriend will kill me if i do it again!:rotfl:

Might have to be a change of plan for the house. We may look at renting after xmas but not sure yet. If we do we will still be able to save for a house but it might be a bit further off.

Might ring my bank thursday and warn them that im going to be doing a couple of big payments to places, dont want them stopping them!

:coffee: time

LittleEmms

Hi EAMD

I hope you don't mind me dropping - first time I've seen your diary. Very quickly had a nose at first page - and now you're progress! Seems brilliant!! Well done btw!!

Just have to ask - as it looks like you had your LBM a year ago - what has kept you going? Has keeping the diary on here been one of your main supports??

Just a newbie after some advice (not that i've fallen off the wagon - but i don't want to!!)

Emms

embarrassed_about_my_debt

Hi Emms,

Course i dont mind, everyone is welcome on here!

My diary has given me quite alot of motivation but also having something to aim for (getting a place with my girlfriend) helped alot, if i hadnt had that then i would have fallen off quite a few times.

Making a budget and sticking to it also makes a big difference and also allowing yourself small treats, for most of us it is a long road and if you dont let yourself have the odd treat your morelikely to fall off.

Also sounds very silly but learning to say to your mates that you cant afford to do things helped me.

Im also lucky in that i still live at home so have minimal outgoings!

Hope that helps and if you have any other questiosn fell free to give me a shout!

LittleEmms

Hi EAMD

Thanks for that - really appreciate it! Wish I'd found this place a year ago - but personally I was in a different place too, so I might not have embraced it like I have now.

embarrassed_about_my_debt wrote: »

Also sounds very silly but learning to say to your mates that you cant afford to do things helped me.

That's been the hard bit for me - more than anything - making family understand. I know I'm going to have to tell my dad soon, I need to explain but also want him to know I'm not telling him to ask him to help me out - I'm telling him so he can understand why I can't spend a lot on presents/ or visiting him (he lives abroad).

Any tips on how you handle those type of people - who just 'don't get it'? :rolleyes:

embarrassed_about_my_debt

Personally i've never told my parents about my debt, i didnt want them to be disappointed in me

You could just blame it on a big bill for your car, the increased cost of living etc and that you need to be careful

LittleEmms

Thanks EAMD.

As for dad - I have to tell him. Its that side of the family who struggles to get it, if I don't then I'm going to continue attempting to live up to expectations I just can't meet.

Thanks for advice. My problem is I'm single and a homeowner - yet they still think I've got money growing on trees. So the above is actually true..

Thinking of showing them my SOA!! :rolleyes:

embarrassed_about_my_debt

Morning all,

Still waiting on money to clear but should clear friday.

Im going to look at another car this weekend, its abit of a trek (3 hours each way) but if its as good as it looks then i'll be having it!

Hope everyone is doing well?

I really need to start my xmas shopping soon :eek:

I need a :coffee:

The_Dragon

I'll take a :coffee: as well please! I was just thinking about your Can Do attitude and was hoping that in a few years we will be seeing a new sign on name with you called "Embarrassed about my Riches!":D

Hope the car is a success!

LittleEmms

Hi EAMD

Boo at xmas shopping, just get the elves to do it

Good luck on the car - hope it all goes well!

embarrassed_about_my_debt

Thanks guys, :coffee:S allround, i may have popped an xmas tipple in there aswell :rotfl:

That would be nice Dragon! Might try that one in a few years! :rotfl:

I hope car is as good as it looks as getting fed up looking now and all the hassle of running about etc!