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  • FIRST POST
    rubydoiwannabee
    How does debt/money saving impact on your life?
    • #1
    • 25th Aug 08, 8:25 PM
    How does debt/money saving impact on your life? 25th Aug 08 at 8:25 PM
    How does debt/money saving impact on your life?

    Positives
    I am in control
    can account for and decide upon every penny spent
    my attitude towards credit and debt has changed completely

    Negatives
    Apart from the lovely people on this site I do not know anyone else with debt (although I am not asking and they are not sharing)
    The restrictions can be very tough at times
    It can be hard to have fun when you have ALWAYS associated it with spending in some shape or form.

    I could go on adding entries to both lists, but thought I would ask the question of everyone here on this grey bank holiday evening.




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    Last edited by MSE Deborah; 26-08-2008 at 5:59 PM.
    The good you do comes back to you.
    DFW Long haul supporters No: 134
Page 1
  • Gemmzie
    • #2
    • 25th Aug 08, 8:44 PM
    • #2
    • 25th Aug 08, 8:44 PM
    Evening ruby,

    Guess for me it's good and bad as it's not my debt but I still feel responsible in part. But I'm glad they are finally getting their dimmer switches turned up!

    For my money, I love being in control, I know that I can go out and spend money on big items and not feel guilty because it's my hard earned cash but friends think I must be rolling in it because of things I have. Nope, just careful
    No longer using this account for new posts from 2013
  • rubydoiwannabee
    • #3
    • 25th Aug 08, 8:47 PM
    • #3
    • 25th Aug 08, 8:47 PM
    Evening ruby,

    Guess for me it's good and bad as it's not my debt but I still feel responsible in part. But I'm glad they are finally getting their dimmer switches turned up!

    For my money, I love being in control, I know that I can go out and spend money on big items and not feel guilty because it's my hard earned cash but friends think I must be rolling in it because of things I have. Nope, just careful
    Originally posted by Gemmzie
    Hi Gemmzie
    That is the place I aspire to be one day.... buying things that I WANT because I CAN..
    The good you do comes back to you.
    DFW Long haul supporters No: 134
  • hypno06
    • #4
    • 25th Aug 08, 8:49 PM
    • #4
    • 25th Aug 08, 8:49 PM
    Positives
    • The first thing I do when I get up is log onto MSE
    • I spend most of my spare time on MSE
    • Last thing I do before I go to bed is check on MSE
    Negatives
    • The first thing I do when I get up is log onto MSE
    • I spend most of my spare time on MSE
    • Last thing I do before I go to bed is check on MSE
    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)
  • rubydoiwannabee
    • #5
    • 25th Aug 08, 8:52 PM
    • #5
    • 25th Aug 08, 8:52 PM
    Hi Hypno,
    I know just what you mean.... my DH is convinced I am having a cyber affair!!!
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    • StressedSteph
    • By StressedSteph 25th Aug 08, 8:58 PM
    • 2,807 Posts
    • 10,875 Thanks
    StressedSteph
    • #6
    • 25th Aug 08, 8:58 PM
    • #6
    • 25th Aug 08, 8:58 PM
    Hi

    I totally agree with all of your positive & negatives. There's no doubt that its hard, very hard to pay off the debts.

    My list is:-

    Positives

    In control of finances and actively sorting them out.
    After being burnt by bad debts once, it has hopefully learnt me a good lesson not to do it again

    Negatives

    EVERYTHING costs money

    Its hard to economise when you have young children.

    Can't keep up with friends when they have outings & holidays etc.

    Fed up of being the "Poor ones", but I haven't the energy to pretend we have got money, so I just play to poor card whenever they are doing anything that costs money.

    Work all hours god sends and we are still broke

    Ok moan over :rolleyes:
    OOverdraft £594 / Very £587 / Bank of Scot - £1535 /
    Lloyds cc - £2679 / Barclay cc £2994 / MBNA £5596
    September 2017 = £13985
  • Gemmzie
    • #7
    • 25th Aug 08, 9:00 PM
    • #7
    • 25th Aug 08, 9:00 PM
    I can't at the moment, I don't have an income But on the bright side, I choose to leave work and I can manage until the end of October because I have savings!
    I was £3k in debt when I started posting here
    No longer using this account for new posts from 2013
  • rubydoiwannabee
    • #8
    • 25th Aug 08, 9:06 PM
    • #8
    • 25th Aug 08, 9:06 PM
    Hi Steph,
    I couldn't agree more... we are always saying we can't afford it sorry!! The children have had to stop doing things because we can't afford it (well probably couldn't ever) but it is worse for them to have had something and then had it taken away, e.g. tennis coaching, ballet etc.

    And everything costs, there is no such thing as a cheap day out with children.....

    (sorry..... )

    Guess I just wanted you to know you are not alone.
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    • sistercas
    • By sistercas 25th Aug 08, 9:07 PM
    • 4,826 Posts
    • 58,439 Thanks
    sistercas
    • #9
    • 25th Aug 08, 9:07 PM
    • #9
    • 25th Aug 08, 9:07 PM
    [quote=hypno06;13643529]Positives
    • The first thing I do when I get up is log onto MSE
    • I spend most of my spare time on MSE
    • Last thing I do before I go to bed is check on MSE
    i totally agree its addictive isnt it

    positives

    I know every penny coming in and out of the house
    nothing is wasted anymore
    being part of this site is the best thing that has happened to me in ages i have learnt so much

    negatives

    all my family and friends seem /are well off
    I havent bought any new clothes in a while
    cant give the kids all they ask for ( maybe thats a positive )
    forever going round after kids turning lights off
    Last edited by sistercas; 25-08-2008 at 9:09 PM.
    • poorandindenial
    • By poorandindenial 25th Aug 08, 9:14 PM
    • 4,072 Posts
    • 5,285 Thanks
    poorandindenial
    lol @ hypno

    My positives are:
    • I finally realise the value of money and understand what I should be able to do with my salary when I am out of debt
    • I now have the will and inclination to get out of debt
    • I have been able to share what I have learned on here with loads of my friends
    • I have got to know loads of lovely people on here
    My negatives are:
    • I am now officially boring when anyone mentions anything that they are thinking of doing that involves money (I am getting predictable with my, "have you checked out....?" or "is there a voucher for ...?" or "Have you heard of quidco? they will pay you for that")
    • I am sick of beating my self up for any spending misdemeanour (there have been many of late) and can't wait to get debt free so that the self-flagelation can stop
    £34,547 (Dec 07); Current debt: £zilch (Debt free December 2010)
    Sealed Pot #389 (2010=£133)
  • rubydoiwannabee
    Hi Sistercas
    I wonder if the people we look at and think are well off have secret debts too... or is that me just trying to make myself feel less alone.

    We are in our 40's and I wish we had had our LBM in our 30's!!!!!!
    The good you do comes back to you.
    DFW Long haul supporters No: 134
  • Broken hearted
    Postitives
    I'm a control freak
    My life is under control
    The debt is coming down

    negatives
    My parents and sister are rolling in money
    I'm always broke
    My conversations revolve around money
    Barclaycard 3800

    Nothing to do but hibernate till spring






    • Deep In Debt
    • By Deep In Debt 25th Aug 08, 9:21 PM
    • 8,237 Posts
    • 12,994 Thanks
    Deep In Debt
    I'm pretty much the same as everyone else.

    Positives
    Finding this wonderful forum

    Being more aware of money and not spending on credit because I could

    Having money in the bank 1 day before pay day and not being overdrawn

    Changing my spending habits and being more aware of how much things cost



    Negatives
    Although I have understanding friends, they are not in debt and don't understand when we go out that I want to buy my own drinks and not get into rounds (makes me feel a bit awkward)

    Being obsessed about how much everything costs and moaning about it!
    Debt 30k in 2008. Cleared all my debt in 2013 and loving being debt free
    Mortgage free since 2014
  • Gemmzie
    My parents are in their very late 40s and I wish they'd figured things out earlier and not kept consolidating but never mind. People are living longer and 40 isn't even middle age any more
    No longer using this account for new posts from 2013
  • rubydoiwannabee
    My parents are in their very late 40s and I wish they'd figured things out earlier and not kept consolidating but never mind. People are living longer and 40 isn't even middle age any more
    Originally posted by Gemmzie
    he, he thanks I think!!!
    I'll take that as a compliment
    The good you do comes back to you.
    DFW Long haul supporters No: 134
  • rubydoiwannabee
    Being more aware of money and not spending on credit because I could
    Originally posted by Deep In Debt
    I'm sure at one point we considered CC's as other peoples money!!! that we could spend. Drrrrrrrrr!!!!!!
    The good you do comes back to you.
    DFW Long haul supporters No: 134
    • Deep In Debt
    • By Deep In Debt 25th Aug 08, 9:34 PM
    • 8,237 Posts
    • 12,994 Thanks
    Deep In Debt
    I'm sure at one point we considered CC's as other peoples money!!! that we could spend. Drrrrrrrrr!!!!!!
    Originally posted by rubydoiwannabee
    Yep, and I used to forget that I had to pay it back at the end of the month!
    Debt 30k in 2008. Cleared all my debt in 2013 and loving being debt free
    Mortgage free since 2014
    • bathgatebuyer
    • By bathgatebuyer 25th Aug 08, 9:36 PM
    • 2,508 Posts
    • 5,354 Thanks
    bathgatebuyer
    Positives:

    At last I feel as if I am doing something to tackle my debts;
    I'm now an 'educated' consumer and what the pitfalls of poor money management are;
    I can see a way out;
    I don't spend for the sake of it - spending is no longer a leisure pursuit.

    Negatives:

    I sometimes feel excluded at work because people know I'm skint (and not ashamed of it either);
    People say hurtful things - maybe not hurtful but incredibly naive things which hurt;
    I have to say 'no' to things I enjoy.
    Almost debt-free, but certainly even with the Banks!
  • turbulentfurball
    • I am sick of beating my self up for any spending misdemeanour (there have been many of late) and can't wait to get debt free so that the self-flagelation can stop
    Originally posted by poorandindenial
    I'm still beating myself up for the fact that I left my immersion heater on overnight and left a hob on my cooker on for 2 hours after finishing cooking both on the same day!
  • rubydoiwannabee
    Oh beating myself up, don't get me started on that...
    why are we in this mess... what idiots we are.....

    no we can't have a bottle of wine..., no we can't have fun.... we don't deserve it

    because we are

    Bad, stupid, irresponsible people, rubbish parents etc. etc.

    That is over the top but you get my drift.

    then the next day....
    Oh I really want that and we deserve it!!!!!
    The good you do comes back to you.
    DFW Long haul supporters No: 134
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