Newbie : NEW SOA

DEATH-A-LOT

Hello to every-one.

I am a 28yr old male who has been hanging around this website/forum for a week or so now reading some of the threads on here. I almost feel a bit of a fraud by posting on here actually as my debts arn't anywhere as bad as some of yours. Yet i know to have a happy life i need to get myself sorted out.

I am living in my overdraft each and every week. I am literrally at the bottom of my overdraft. I keep doing my MONEY program to try and keep me on track and i just keep loosing it. If i stick to my budget that i have given myself on MS MONEY then i will be overdraft debt free by september.

The only problem is i find it so hard to do so. Especially the giving up smoking part which i know is my main killer. To be "Debt" free i have to give up smoking. Yet i find i can go a week or two without fags then end up smking again after a day in the pub.

I am literally kicking myself and feeling such a prat for having what i call such a small debt yet it is really starting to get me down. I don't feel i can a have a relationship with a woman yet due to my debts and i cannot have a happy typicall life of a 28yr old single lad neither.

Oh what a rant.

smashedbooboo

Hi and welcome honey. Not a rant only how you feel right now. So lets see if we can help you out of this. You will get loads of help and support here, and even have a bit of fun at the same time. So the best thing you can do now is post up your SOA and then someone will be along to to advise you where you can make changes. There is also a giving up smoking thread. Stick with us. And you are not a fraud. Debt is debt no matter what size it is. x x x x x

hypno06

Don't kick yourself - it might hurt and you will get bruised toes........:p

Welcome aboard!

moneymabel

Hi there,
Debt is debt no matter what the amount of it, i know what you mean though, i feel bad moaning about my relatively small debt when there are others much worse off but if it is affecting your life then it is just as valid a problem than if you owed a million pounds.
I started my own challenge 'moneymabels debt free by 2009 challenge ' to give me a kick to pay off the debt by the end of this year, you will be welcome to join if u wanna!!
good luck with the giving up smoking, i know how hard it is (been there done that :rolleyes: ) but it is possible-you can do it!!

happylife

Hey Death - A - Lot

Wish I was 28 again ? I will swap you your Overdraft for My age!!

Makes you realise you should be out enjoying life (carefully of course)

But at 28, Male and Single!! Worrying about a Overdraft would be the last thing on my mind..


When you eventually get Married, have Kids, Buy a house, then the worry really begins!!

Enjoy!!

Numpty_Monkey

:hello: Hi DAL

my debt is small to in comparrison to others, but big to me
it is a debt that stops me living the life of a single 30 something male:eek:


I can't give up the smokes but i have gone onto rollups, and made a hell of a saving, I used to spend over £40 per week on cigs
A baccy tin and rolling thing (£10 at argos) made that money back in under a week
,papers,filters and baccy(if you are or know someone going abroad:whistle: ) nothing illegal though

rough average is now less than£20 per week spent on smoking
But they do take a bit of practice:o

As smashedbooboo has said there is a giving up smoking thread
http://forums.moneysavingexpert.com/showthread.html?t=445572&highlight=smoking

and you are not a fraud

welcome aboard:A

happylife

Numpty_Monkey wrote: »

:hello: Hi DAL

it is a debt that stops me living the life of a single 30 something male:eek:

and smoking Baccy!! is a Debt that will stop you living the life of a 60 year old Male also..

Tobbaco has to go on the road to a debt Free and Healthy life..

Over 2 grand a year saved on 40 quid a week.. Up in smoke..

I would sooner he went out with the 40 quid and had a good night out at least it's healthier.. And you may meet the love of your life!!

DEATH-A-LOT

happylife wrote: »

Hey Death - A - Lot

Wish I was 28 again ? I will swap you your Overdraft for My age!!

Makes you realise you should be out enjoying life (carefully of course)

But at 28, Male and Single!! Worrying about a Overdraft would be the last thing on my mind..


When you eventually get Married, have Kids, Buy a house, then the worry really begins!!

Enjoy!!

Thanks to every-one for the friendly welcome. And i want to make sure i'm straight for when i do (hopefully) start a relationship that leads to a family.

I was going to do an SOA on sunday (yesterday) but things happened saturday that put me in a weird frame of mind all day. So i didn't do it. Today was a realisation that i need to give myself a kick up the bum.

Does any-one have any tips to keep ypu focused on your goals?

Sammy_Girl

DEATH-A-LOT wrote: »

Thanks to every-one for the friendly welcome. And i want to make sure i'm straight for when i do (hopefully) start a relationship that leads to a family.

I was going to do an SOA on sunday (yesterday) but things happened saturday that put me in a weird frame of mind all day. So i didn't do it. Today was a realisation that i need to give myself a kick up the bum.

Does any-one have any tips to keep ypu focused on your goals?

Hi DAL and welcome :beer:

Everyone on this board is so friendly and helpful. You are most definitely not on your own. You'll find quite a few DFW have an end of goal treat (in your case Sep 2008?) that spurs them on. Personally, mine is my wedding, but others plan a holiday to celebrate. You could always have a lads holiday somewhere hot and meet the love of your life

Sammy x

Ps, I met mine in Spain. It does happen

Runnybabbit

Hi DAL,
Welcome to this amazing forum packed with amazing folks - I've sure learnt some serious stuff from these guys - they are so good and supportive.
Now the smoking bit - yep, I'm an ex smoker, gave up over 8 months ago now, but ironically I work in the Cardiology Dept at my local hospital!. Shame on me but I managed to quit - I'd like to wish you loads of luck, I can even run up the stairs now instead of panting and puffing after 5 steps!.

DEATH-A-LOT

Sammy_Girl wrote: »

Hi DAL and welcome :beer:

Everyone on this board is so friendly and helpful. You are most definitely not on your own. You'll find quite a few DFW have an end of goal treat (in your case Sep 2008?) that spurs them on. Personally, mine is my wedding, but others plan a holiday to celebrate. You could always have a lads holiday somewhere hot and meet the love of your life

Sammy x

Ps, I met mine in Spain. It does happen

Hi and thanks.
It's a woman that put me in that weird place over the weekend.:mad:
So hey. Don't get me wrong i'd love to meet "The One". Have i missed my chance?

Anyways i kinda guess you have a very good goal to aim for. Mine is kind of similar. I just want to get my self straight so when the time comes i have the money behind me (hopefully).