Someone suggested in my 'light bulb moment' post that I should write a diary on here to keep on top of my spending. After reading a few people's inspiration diary's I think it is a plan!!

So, my debt has literally come about by my spending getting out of control. Simple. I had what I wanted, whether I could afford it or not.

I have tried to delve in to why this has happened as I never used to be so frivolous. (I will try and keep the sob story to a minimum). My parents never had much money when we were growing up but we had a lovely childhood and never really went without. It never occurred to me when I was growing up my parents were struggling. My sister had to bail my parents out once when my parents card got declined for the food shop - that is when I started to understand.

My parents worked hard and got us through uni, they must have had nothing for themselves to do this. At uni I never spent anything because I realised - my family never did. Shopping was not a recreation activity for us but we had some amazing times in the local countryside Then I finished uni and got a job that was minimum wage - the frugalness continued. Then I got a promotion...and then another one..I suddenly had money and in eyes I could have what ever I wanted!!

Which leads us to my debt today (I think). I know I can get my debt under control relatively quickly. I just need to be tough with myself and say NO.

This diary is to record what I spend and to hold myself accountable.

If no one chips in that is fine but please do if you want to! I thrive on encouragement and also someone being honest with me. I am very much an all or nothing person but I am going to make myself commit to this