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I keep falling off the wagon, how do you stop the cycle?

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I keep falling off the wagon, how do you stop the cycle?

edited 30 November -1 at 1:00AM in Debt-Free Wannabe
24 replies 8.1K views
Lalala_3Lalala_3 Forumite
41 posts
edited 30 November -1 at 1:00AM in Debt-Free Wannabe
I have lightbulb moments with alarming regularity. At least once a year. And although I'm careful for a while and manage to pay off a bit, I find myself back to my old spending habits with my head in the sand a few months later. My debt is going down, just not as quickly as it could because I'm such an ostrich. I pay a bit of debt off, add a bit more on, and it just goes on. I feel really disppointed in myself whenever I get the LBM and know that the only reason I'm in this situation is because of me and my lack of staying power.

For those of you who have fallen off the wagon and then managed to climb back on and stay there, how did you do it?

[threadbanner]box[/threadbanner]
***Trying hard to be proud of dealing with my debts. Honestly? Still a bit embarrassed***
Today I am mostly: Going to do Lidl shop/ procrastinating/ enjoying the sun Total debt at highest £26232.31 (July 07) DFW Nerd no. 598
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Replies

  • hypno06hypno06 Forumite
    32.3K posts
    My answer is simple - I keep posting here.

    It is the sole reason, I am sure, that I can keep more or less in control of things.

    There are times when my debt increases rather than decreases, which shows that I am only human, but overall my debt is coming down and that is the main thing.

    Post a bit more, get involved in the challenges, and you will find your "blips" are less destructive!
    Successful women can still have their feet on the ground. They just wear better shoes. (Maud Van de Venne)
    Life begins at the end of your comfort zone (Neale Donald Walsch)
  • Lalala_3Lalala_3 Forumite
    41 posts
    Thanks Hypno. When I looked at the "last time you logged in" bit I saw that I'd last been here on 24/09/07- coincidentally the last time I paid any additional off my debt was that very day. (24th is pay day for me)

    Think I'll be seeing a lot more of you guys over the next couple of years...
    ***Trying hard to be proud of dealing with my debts. Honestly? Still a bit embarrassed***
    Today I am mostly: Going to do Lidl shop/ procrastinating/ enjoying the sun Total debt at highest £26232.31 (July 07) DFW Nerd no. 598
  • sparky0107sparky0107 Forumite
    3.5K posts
    Debt-free and Proud!
    LAlala wrote: »
    Thanks Hypno. When I looked at the "last time you logged in" bit I saw that I'd last been here on 24/09/07- coincidentally the last time I paid any additional off my debt was that very day. (24th is pay day for me)

    Think I'll be seeing a lot more of you guys over the next couple of years...

    Hi lalala,
    Welcome back, you should definitely try some of the challenges on here, also try daily clicks I know it's not fast money, but it's nice to see it growing overthe weeks, if you pm Eager Learner, she will send you her excellent guide for daily clicks. Also don't worry, we all have "blips" on our way to being debt free. Keep posting and you'll find this site gets very addictive, it takes over, so you can't go spending lol :rotfl: :rotfl: :rotfl:

    Have you also tried re-doing your SOA to see if the good people on here can give you some pointers for your DFW journey?

    Good luck kid & don't stay away for so long next time (this is said in a schoolteacher type voice) ;)
    Sparky0107 - Sealed pot challenge member #002. Total for SPC3 £1,030.57 Total For SPC 4 £2247.00 Total for SPC 5 £2574.62 :T Total for SPC 6 £4552.91:T
    :rotfl:LC2 & Jakes-Mum are off their heads :rotfl
    :j DEBT FREE AS OF 20/01/2012 :j
  • immoral_angelukimmoral_angeluk Forumite
    24.5K posts
    I'm a Volunteer Board Guide
    Noone can do this on their own. I've always had the support of everyone on here to fall back on. It doesn't stop you falling off the wagon completely.. but it makes it less likely to be a permanent injury!
    Total 'Failed Business' Debt £29,043
    Que sera, sera. <3
  • Lalala - I could almost have written that post myself! When things are going well I find it's so easy to "forget" about my moneysaving ways and go back to the old habits, then we get a tight week or month and its back to budgets and doing lists for groceries and its amazing the difference it makes. My hubby and I have now given ourselves an aim - to sell up and emigrate to Australia within 2 years :j if that doesn't help keep us on track, I don't know what will! My advice to you would be to set yourself little goals, write them all down, pin them up somewhere obvious so you see them everyday but most importantly don't give up. If you fall off the wagon, just get back on as soon as you can :o
    LAlala wrote: »
    I have lightbulb moments with alarming regularity. At least once a year. And although I'm careful for a while and manage to pay off a bit, I find myself back to my old spending habits with my head in the sand a few months later. My debt is going down, just not as quickly as it could because I'm such an ostrich. I pay a bit of debt off, add a bit more on, and it just goes on. I feel really disppointed in myself whenever I get the LBM and know that the only reason I'm in this situation is because of me and my lack of staying power.

    For those of you who have fallen off the wagon and then managed to climb back on and stay there, how did you do it?

    [threadbanner]box[/threadbanner]
    Official DFW Nerd Club - Member no. 014 :D
    Lightbulb Moment 12 December 05
    They may take our lives but they'll never take our FREEDOM!!
  • GirlRacer_2GirlRacer_2 Users Awaiting Email Confirmation
    3K posts
    I totally agree with IA and Hypno. The guys on here keep you on the straight and narrow and quite often when I feel like a spending spree I log on here and manage to talk myself out of it with the help of everyone.

    You need constant support to succeed here because it's so easy to fall back into bad spending habits.
  • Broken_heartedBroken_hearted Forumite
    9.6K posts
    Put your sebt in your sig then everyone can see it, amazing how motivating the shame can be.
    Barclaycard 3800

    Nothing to do but hibernate till spring






  • skint_spiceskint_spice Forumite
    11.3K posts
    Part of the Furniture 10,000 Posts Photogenic
    ✭✭✭✭✭
    Hi Lala, I'm here ALL the time so the urge to spend isn't usually as strong now and when it is I just try to focus on the end goal of being debt free. Weirdly enough I've been more tempted recently when it's only a few months away then I was a year ago - I think part of me thinks that it's manageable now so why not. I'm resisting though...for now!
    £5000 by December 2020 £844/5000
  • jakjak Forumite
    1.6K posts
    Part of the Furniture 1,000 Posts
    ✭✭✭
    I did the same thing last year. We were trying to pay for our wedding and even tho I had 2 jobs and my dh worked full time, I spent any extra money on furniture for the house! It was so stupid! I could be debt free by now if i'd sorted myself out sooner! However, now we are having a baby and that has been my biggest motivator! I can't imagine a life for my child where we rent forever and we are perpetually skint! That's such a horrid thought, it scares me to death!
    Now I come on here ALL THE TIME! It helps loads...AND it makes me think about every aspect of my life in terms of 'can I afford it?' 'do I really need it or just WANT it?'
    I also have a great budget which icludes spends fir socialising etc. so it doesn't feel like we are cutting back all that much really.
    Good luck and use this site for the resource it is...
    No. 119 save £12K in 2020! £1326.61/5000
    Banish the clutter 3/100 bags Gone!
    Make £2020 in 2020! 91.22/2020
    Grocery challenge £60PW 17.20/60
    No. 321 Emergency fund 10.50/1000
  • faladyfalady Forumite
    584 posts
    Hi Lalala,

    I could have said exactly the same thing as you - I have just had 'another' LBM :eek: and really need to sort myself out nowe. There's so many things I want to do and i've got no chance if i don't stick with it and get rid of this debt.

    Maybe we should start a 'staying on the wagon' club!

    Ali x
    Not Buying It 2015 :)
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