Time to banish the debt.

flamingo22

Having a bit of a wobbler these past few days and hence why I'm still up at this time 😭. I know I've got to pay the debts back and I will but I'm so ashamed that I've gotten myself into this mess, I know my children don't miss out on things (or at least I try not to let them) but I just feel awful on the things we could be doing but can't at the moment. My daughter will have left school by the time my debts are paid and who knows if she will want to spend time with me then, my son will be in his last year and my baby will be 3, I would've spent his whole life in debt.
Ive just worked out how much I will owe every month from now on and seeing the figures decrease is giving me some hope. 

Wage should be hitting my account anytime now, (which account I do not know as I did one of the bank switches) and then it'll be gone again before I know it. 

I pray my children are never in this position. 

Middle_Aged_Guy

I know exactly how you feel regarding the guilt for allowing ourselves to get into so much debt and the impacts on our children.
You are not alone in that and im sure its extremely common here on the forums. The main thing is you are doing something about it, you are working towards and will be debt free.
You are doing amazing!! 

honeybee1234

+1 here. I understand the feeling ashamed, but let go of that, difficult as it is. The fact is that although you're having a wobbler, you have some really focused forward momentum with your finances, you know what's going on with your debts, and you have that debt free date there. You actually have a healthy balance with tackling things but ensuring you're also considering the children, and that's so important.

If it helps, my memories from childhood aren't just, say, holidays or fancy trips, but the spending time with my parents doing everyday things, like a film night at home on a Saturday night, going on errands with my dad and him treating me to a little cake from the supermarket bakery, a simple picnic at a local park and climbing in the rhododendron bushes with my sister. You'd probably be surprised what the children say they enjoy if you ask them, it's not always the things you feel guilt about that they tell you.

Hope that helps a little @flamingo22

flamingo22

Middle_Aged_Guy said:

I know exactly how you feel regarding the guilt for allowing ourselves to get into so much debt and the impacts on our children.
You are not alone in that and im sure its extremely common here on the forums. The main thing is you are doing something about it, you are working towards and will be debt free.
You are doing amazing!! 

Sorry you're feeling the same way too, but guess we must remember that it won't always be this way, just hard trying to think of a time when all this will be a distant memory. 

Hope you're doing okay with your progress. 

flamingo22

honeybee1234 said:

+1 here. I understand the feeling ashamed, but let go of that, difficult as it is. The fact is that although you're having a wobbler, you have some really focused forward momentum with your finances, you know what's going on with your debts, and you have that debt free date there. You actually have a healthy balance with tackling things but ensuring you're also considering the children, and that's so important.

If it helps, my memories from childhood aren't just, say, holidays or fancy trips, but the spending time with my parents doing everyday things, like a film night at home on a Saturday night, going on errands with my dad and him treating me to a little cake from the supermarket bakery, a simple picnic at a local park and climbing in the rhododendron bushes with my sister. You'd probably be surprised what the children say they enjoy if you ask them, it's not always the things you feel guilt about that they tell you.

Hope that helps a little @flamingo22

Aww thank you, it really does. Sounds like a lovely childhood with your fond memories 😊