Back here with more debt than ever before

Aimingforthegoodlife

Hi @DFB35, it is all a learning curve, debt freedom is a whole new way of thinking and seeing the world. Remember too be kind to yourself, everyone here is learning and trying to do better! I hope you continue healing well and will pop back to check in again soon!

DFB35

Thank you guys, all is well here waiting for payday to reset all my budgets

DFB35

I’ve tidied up accounts before payday. Joint bills account had surplus of £60, so I’ve moved £50 to join savings pot (£10 will roll over).
personal account was in credit £52.40, I’ve paid £50 to Nationwide CC. Will update signature in a mo. 

Oh forgot to add I finally had all I need to submit a claim to get money back for the holiday I didn’t go on. Fingers crossed insurance pays out it be £800ish. 

Spendless

Sounds positive. Fingers crossed for the hol money back. Is your payday tomorrow? My DH (I'm not currently working) is the last working day of the month and I'm finding it frustrating that this year that's a day later -lol. 

Fizzy11

Hi DFB35, Just popping in to say I’ve read all your diary and I just wanted to say that I promise the hardship now is so worth not being in the same situation in your 60’s. My OH & I had a lot of debt due to relocating for his job then interest rates went crazy but now in late 60’s I’m so glad we went without to ensure we’re financially secure now. One D went to university who we supported financially and emotionally plus S at home who doesn’t work for medical reasons but I’m really sorry to say kids cope with being told you can’t afford new things and trips for them to go out. In doing so you’re passing on the same living beyond their means mentality. Letting them know we all have to prioritise our spends. I really hope you’re full recovered from your operation and are able to carry on making progress. One bad month doesn’t mean it’s all gone to pot. There’s a really good book called In The Red sorry can’t remember the author but it’s honestly worth reading. It’s a true story and not one of those self help books. 

DFB35

Thank you for popping in Spendless and Fizzy.

Another payday another small step in the right direction. I’ve updated my signature totals. 

Also had a difficult talk with a relative and admitted how much we pay each month on loans and credit cards. The convo started with them saying they have 300 a month left after bills and I said I didn’t have much more.  They were shocked as husband and I are on good incomes. Made me feel very embarrassed as it’s all our doing. But in a way relieved they know as no pressure to spend from their side.