Don't be so hard on yourself...

Benthosboy

ms_london wrote: »

For the price of 2 and a bit years struggling with repaying my debt I now have the rest of my life to enjoy my own money. I know that if I was to lose my job tomorrow, I would have enough money to survive on for a few months until I found another job. This feeling is priceless personally and I love knowing that I am not reliant on my job, and not tied to debts that rule my life anymore.

:T :T :T

The same goes for me, (in two and a bit years time ) but I fully appreciate that everyone has different wants and needs.

Martyn.

ms_london

Benthosboy wrote: »

:T :T :T

The same goes for me, (in two and a bit years time ) but I fully appreciate that everyone has different wants and needs.

Martyn.

Hey. You'll get there & the time will fly by youll find. By the time you are debt free I'll be back in the UK and probably riddled with a mortgage. Hmm - that goes against my theory really doesnt it :rolleyes: !

postingalwaysposting

I am sitting on the fence with this thread. I am the product of repaying debt in a fast speed and then getting back into debt by 'wanting' the stuff i couldnt have because i was in debt. This wasnt a tv but simple things like clothes/food etc etc. I do belive if the first time i was becoming debt free i allowed myself more of an allowance each month i wouldnt have turned back to debt.

The biggest problem i have now is i am a saver, and savers are worse than being in debt. Seriously I go mental if i cant put that extra £100 of my wage in my savings. I have found a medium though and i do allow myself a few extra treats.

As everyone has said its about finding that balance that is suitable for you. Everyone has different factors that cause your debt repayment to be done faster/slower than the next dfw. But i guess as long as we do it in the way we want to it should be fine. Its a personal thing....

lazy&indebt

Thank you all for your replies.

I thought I was going to receive a tirade of abuse! It's interesting to see how different everyone's approach is to managing their debts. Good luck to you all.

Gemmzie

We're not an abusing bunch

ltm07

We're looking on the bright side now. Not going ahead with the mortgage advance now & we cancelled Sky earlier(i paid the for the Sports out of my own money). Also went shopping at Aldi which will be a regular thing from now on as we easily saved £20 off our usual shop. Already knocked our DFD down by 7 months just through cancelling Sky. Thanks for the advice folks about not consolidating & i have definately taken it on board(i say i as OH was against it from the start). I said that we weren't having a life but things ain't that bad. We can still have a few treats if we work a few hours extra & as they say Life's what you make it'!!

mummytofour

Doh should read the whole thread b4 posting!

mandelbrotlondon

This thread really strikes a chord with me... I was lucky to be able to pay off my overdraft recently and have built up my emergency stash so now everything spare can go into saving.

I think I'm still slightly in panic mode though.....a few months of thinking "oh my God I can't pay the rent and am going to be homeless" has meant that I can tend to be a bit obsessed with working 6/7 days a week and saving every penny I can.

So I'm currently trying to strike a balance between saving as much as I can and enjoying life, and I think that with a bit of conscious thought I can do this-so I've decided to have a 6 day week, and possibly might even allow myself a small shopping/going out budget over the next few months ....
(although of course this will probably be something like £5-10 for a day rather than the £100 I used to spend :-) )

Hope everyone finds the balance that suits them best.

xx

ms_london

postingalwaysposting wrote: »

The biggest problem i have now is i am a saver, and savers are worse than being in debt. Seriously I go mental if i cant put that extra £100 of my wage in my savings. I have found a medium though and i do allow myself a few extra treats..

Tell me about it - I do my own head in and do put a lot of pressure on myself! :rolleyes: But at least now they are my issues rather than the bank! (finally!).

I want to come home with money too, so thats a proper DFW for ya!