Double figure debt to clear

squinky

So I totally forgot all about MSE and my old thread (now closed) which is reflected in my spending habits as I now owe around £10,000 again. I know I’ve done it before but I feel like the world is a very different place 11 years on! However no excuses, posting will keep me accountable and I just need to regain focus and get started. I think I’ll need to go back to basics but also remember what those basics are as I appear to have become quite detached from my spending these days. Wish me luck!!!

squinky

So I totally forgot all about MSE and my old thread (now closed) which is reflected in my spending habits as I now owe around £10,000 again. I know I’ve done it before but I feel like the world is a very different place 11 years on! However no excuses, posting will keep me accountable and I just need to regain focus and get started. I think I’ll need to go back to basics but also remember what those basics are as I appear to have become quite detached from my spending these days. Wish me luck!!!

Keep_pedalling

Good luck on clearing your 5 figure debt, two figures would be much easier.

tacpot12

Good luck squinky! You've done it once before, and while I'm sure it will feel harder this time, I'm also sure you will get through it. Please do keep positing and ask for advice if you need it. 

Nasqueron

squinky said:

So I totally forgot all about MSE and my old thread (now closed) which is reflected in my spending habits as I now owe around £10,000 again. I know I’ve done it before but I feel like the world is a very different place 11 years on! However no excuses, posting will keep me accountable and I just need to regain focus and get started. I think I’ll need to go back to basics but also remember what those basics are as I appear to have become quite detached from my spending these days. Wish me luck!!!

Post on the debt free wannabe pages for help and support, this forum is for bank accounts

squinky

Thank you tacpot12!

There’s loads of great advice and threads on here so will make myself go through them all.

I have made a packed lunch today and placed an online food shopping order so can’t get derailed in the supermarket. Small steps. 

squinky

Day two, £200 down today for school wraparound care for next term, luckily this gets topped up 20% by Tax Free Childcare but still feels a lot. Other than that though no additional spending today. I need to make some time to read other diaries for inspiration and do a realistic budget plan. 

squinky

Not sure how I managed to duplicate my post on another thread but looks like it’s been merged with this one now Also confused now, is my debt five figures lol that sounds even worse! 

Sarahwithlove

Welcome back. A budget plan is key, you may also want to do a statement of affairs so that we can offer some advice.