What makes a successful DFW?

Ibex

Hi All

Good question. I have never posted my SOA because I know that I would be crititsed for my "entertainment" budget and I have kept Sky :eek: . However I worked out early on I was here for the long haul (at least 3 years) and I needed to have a balance between paying off the debts and the type of life style that I was interested in.

So I do go to the Pub sometimes and have meals out sometimes, but not like I did. We had one foreign holiday last year not three as we would have previously, properly budgeted of course. On the other hand I spend very little on clothes, material goods, mobile phones etc and budget wisely for household spends like goceries. The difference now is I know how much I can spend a month and when its gone its gone - not when its gone borrow more from the bank.

I do however have to acknowledge I'm in a lucky position of having a decent salary so I am able to do this.