I am not trying hard....

Lizzieanne

Wonderful thread! I'm glad you were able to write all that down, I bet you feel a whole lot better now.

Mr l and I have managed to pay off CC debts of over £20,000 and even though we are now debt free (apart from the mortgage...) I will never forget what it felt like to put every spare penny towards something you've already bought - and the interest! A lot of things are now ingrained in me and though we are now much better off financially, I will continue with the mortgage pig, the shopping challenge, eBaying and everything else that helped.

deliciosa

MaggieBear wrote: »

This is an awesome thread.

I've gotten into my debt through just childish want for crap :mad: - a lot of which I've now sold or have listed to sell (which is a step in the right direction, right?).

I'm hard at it now - I was away last weekend, but I'd budgeted for it (24hours on a coach, but that meant less than £20 to get from Glasgow to Brighton and back...) and I really enjoyed it. I didn't spend any more than I'd budgetted - and in fact am 3 days into my next week and haven't had to withdraw any of this week's budget yet . But it's hard, and I have a big ball of but I wanna going on; I just have to try and keep in mind that I wanna be debt free with some proper savings behind me and I wanna not to have a sinking feeling if something comes up with the house that needs paying far more than I want that DVD/CD/packet of fattening crisps.

I'd be well up for a support thread

Hi Maggie

Thank you for posting - let's do a support thread and kick eachother's bum when it needs kicking.

Well done for the coach... now that was some sacrifice!! I did similar (not wuite the same but for me huge!) went to Heathrow on the tube, took 2 hours, and not with paddington express, saved £25!

What you said - "I want to be Debt Free more than I want that dvd.." - so true. This could be the third DFW commandment. Thou shalt not forget that thou wantst (or something like that) to be Debt Free more than anything else.

deliciosa

I just see some lovely people nominated me for the post fo the month!

http://forums.moneysavingexpert.com/showthread.html?t=717143&page=2

Thank you! This means a lot, even if I don't get it (I have no idea how that works.... ) it really means a lot guys. Yay I have been nominated :j THANK YOU AGAIN

cloudnine_2

Just printed your posting Deliciosa. I'll be looking at it each and every day.

I admire your willingness to open up, in public too, and challenge yourself. Thats really hard for any of us to do.

well done and please do let us know how you're progressing.

deliciosa

Lizzieanne wrote: »

Wonderful thread! I'm glad you were able to write all that down, I bet you feel a whole lot better now.

Mr l and I have managed to pay off CC debts of over £20,000 and even though we are now debt free (apart from the mortgage...) I will never forget what it felt like to put every spare penny towards something you've already bought - and the interest! A lot of things are now ingrained in me and though we are now much better off financially, I will continue with the mortgage pig, the shopping challenge, eBaying and everything else that helped.

Well done for paying of that huge amount!!! How long did it take? It's true, isn't it, that it's a lesson for life....

I don't know if you have kids but when I have, I know they won't go down this route to debt, I will raise them a MSE!!!!!

:j :j

deliciosa

cloudnine wrote: »

Just printed your posting Deliciosa. I'll be looking at it each and every day.

I admire your willingness to open up, in public too, and challenge yourself. Thats really hard for any of us to do.

well done and please do let us know how you're progressing.

Thank you - it seems like you people started off a trend of printing out the first post - I am now doing the same and putting it in my purse. I need reminding!

Wildchild_2

OH is no big spender the problem is he can't say no to me and if I want to buy something he doesn't try and stop me coz he feels guilty. So we've had a chat and he will be much stricter with me from now on... he promised!

So hopefully with his help and everybody on here I will be able to get out of this mess!

G-G_4

I had my lightbulb moment when I went Bankrupt and not a moment before

My life is so much easier now when it comes to spending money, it is no longer an addiction and I think that is because I don't have the debt to service anymore and so I don't feel like i'm being deprived.. (if you get me)..

The bankruptcy forced me into realising the error of my spending habits, and I hope it is a lesson learned for me..

Anyway, this is about you, and I just wanted to say that your post was excellent and very inspiring for people in your position.. I wish you all the luck in the world, and you know you can do it, might be hard work, but it will be worth it..

My point is I suppose, once you get rid of the debt, you will see your money as being much more precious to you and will hopefully be more wise about how you spend it.. x

maz1964

Hiya

deliciousa and all

thanks to all who thanked me for my post much appreciated.

Have been to the doctors today and being referred to a specialist for my depression and stress been off work for the past 3 months, so this is the first time im admitting to this on these boards. I guess the debts have also contributed to the stress and depression just takes a hold and i cannot think straight.

So now im off for a further few more weeks im going to tackle our debts via this forum and will ask you all to throw your comments at me, am willing to change things and learn to adapt new things.

I will start a new thread with my SOA request and then ill take it from there and start my journey and would like to ask you all for your help.

I believe today is the first day for the start of my recovery in more ways than one, mentally and financially will be a great start.

Thanks for listening and will save this thread for future reference.

Hope to get to know you all better pretty soon. Appreciate your kindness.

Take care all, and have a fun evening
ciao for now MAZ

deliciosa

G-G wrote: »

I had my lightbulb moment when I went Bankrupt and not a moment before

My life is so much easier now when it comes to spending money, it is no longer an addiction and I think that is because I don't have the debt to service anymore and so I don't feel like i'm being deprived.. (if you get me)..

The bankruptcy forced me into realising the error of my spending habits, and I hope it is a lesson learned for me..

Anyway, this is about you, and I just wanted to say that your post was excellent and very inspiring for people in your position.. I wish you all the luck in the world, and you know you can do it, might be hard work, but it will be worth it..

My point is I suppose, once you get rid of the debt, you will see your money as being much more precious to you and will hopefully be more wise about how you spend it.. x

Thanks for coming in May I ask how much money (debt) you went bankrupt with? I don't know much about bankruptcy.

Your point is totally true. I already see money as more precious and I know that once I am out of debt, I will watch what I spend.