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  • FIRST POST
    • Dinah93
    • By Dinah93 10th Jul 09, 4:06 PM
    • 11,302Posts
    • 45,571Thanks
    Dinah93
    You know you're a debt free wannabe when...
    • #1
    • 10th Jul 09, 4:06 PM
    You know you're a debt free wannabe when... 10th Jul 09 at 4:06 PM
    1. You get excited for payday, not because you can buy new treats, but because you get to pay more off and update your signiture.

    2. The most used programe on your windows start menu is Excel.

    3. You go out for a meal for your birthday, and it feels strange not coming home to write a report afterwards.

    4. You've told all your family, co-workers and vague aquintances about Quidco. They're scared of you but have joined anyway.

    5. You can give the exact points to cash conversion of tesco clubcard, nectar, and boots advantage.

    6. You get excited when you find a free points offer for any of the above.

    6. Random strangers stop you at work to ask for money advice as one of your colleagues said you were a walking calculator.

    7. You can't remember the last time you went to the cinema and actually paid for a ticket. As a result you no longer think it is remotely odd to watch horror movies at 10.30am on a Sunday morning.

    8. Your bank manager can't understand your piggybanking system so just gives you the new current account anyway on the assumption you must be good with money.

    9. Emergency spending of a 2 coin causes you to break out in a rash.

    10. You feel guilty if your lunch isn't out of a tupperware container.

    11. You can give the interest rates of all your loans, credit cards and savings accounts in under 3 seconds, but have to pause to think about your mothers birthday.

    12. The man on the checkout in Tesco dreads your arrival with stacks of vouchers.

    13. Your hubby buys a bar of chocolate from the machine at work and you look at him as though he just swore at a nun - does he not now how much they cost?!

    14. You get a rush of pleasure that you didn't have to accelerate or brake at all for the 300m up to the roundabout, free petrol!

    15. You get more emails from survey companies than people you actually know.

    16. All spends can be mentally calculated as a percentage of debt, and hastily returned to the shelf.

    17. The local post office ladies do rock paper scissors each time you turn up with a new bag of ebay parcels to send out.

    18. You refer to Martin as though he's a member of your family.

    Realised the above today when I got sadly excited noticing my payday is less than a fortnight away and I'll be able to make a nice big change to my percentages in my signiture - feel free to add more of your own!


    This Forum Tip was included in MoneySavingExpert's weekly email

    Don't miss out on new deals, loopholes, and vouchers

    Last edited by Former MSE Wendy; 21-07-2009 at 8:15 PM.
    Debt January 1st 2018 65,773.65
    Debt November 1st 2018 55,564.51
    10,209.14/15.52% paid off
    Met NIM 23/06/2008
Page 1
    • tirlittan
    • By tirlittan 10th Jul 09, 4:08 PM
    • 3,374 Posts
    • 8,847 Thanks
    tirlittan
    • #2
    • 10th Jul 09, 4:08 PM
    • #2
    • 10th Jul 09, 4:08 PM
    Very good!
    DEBT FREE OCTOBER 2012!
    Proud to have dealt with my debts!
  • shop-to-drop
    • #3
    • 10th Jul 09, 4:14 PM
    • #3
    • 10th Jul 09, 4:14 PM
    Love it! So me especially the one about the chocolate machine. He gets that look when he buys a magazine too.
    Trytryagain FLYLADY - SAYE 700 each month Premium Bonds 713 Mortgage Was 100,000@20/6/08 now zilch 21/4/15 WTL - 52 (I'll do it 4 MUM)
    • angelflower
    • By angelflower 10th Jul 09, 4:54 PM
    • 2,375 Posts
    • 7,008 Thanks
    angelflower
    • #4
    • 10th Jul 09, 4:54 PM
    • #4
    • 10th Jul 09, 4:54 PM
    Dinah...genius!!

    Only one I dont have is number 8 but expect this after continuing with all the others for a few months.
    DFW 228 LONG H 68
    DFD 2017
    • gwen80
    • By gwen80 10th Jul 09, 5:05 PM
    • 2,204 Posts
    • 4,417 Thanks
    gwen80
    • #5
    • 10th Jul 09, 5:05 PM
    • #5
    • 10th Jul 09, 5:05 PM
    Great post, Dinah. I noticed in your sig that you paid off your debt at quite a rate. I hope you don't mind me asking, but how did you manage it? Do you have a diary I could read for some tips?
    • angelflower
    • By angelflower 10th Jul 09, 5:30 PM
    • 2,375 Posts
    • 7,008 Thanks
    angelflower
    • #6
    • 10th Jul 09, 5:30 PM
    • #6
    • 10th Jul 09, 5:30 PM
    http://forums.moneysavingexpert.com/showthread.html?t=1646411

    This is Dinah's current diary with a link to the debt repayment one. Its a fantastic read and she is an inspiration to many. Enjoy!
    DFW 228 LONG H 68
    DFD 2017
    • ClootiesMum
    • By ClootiesMum 10th Jul 09, 5:35 PM
    • 1,484 Posts
    • 9,995 Thanks
    ClootiesMum
    • #7
    • 10th Jul 09, 5:35 PM
    • #7
    • 10th Jul 09, 5:35 PM
    Dinah - Excellent

    And can I add -
    You listen in horror to conversations where people have paid WHAT

    for their holiday/car/furniture/even utilities and struggle not to say "Do you know you could have ...... and saved a fortune?"
    • Weight loss 0/84lbs
    • Books read 0/26
    • Taken control of my finances banks & tickler file checked each day
    • Dave Ramsey BS 0 completed
    • Dave Ramsey BS 1 completed
    • Things out of house - 10/2018
    • Alcohol drinking days - 2/104
    • gwen80
    • By gwen80 10th Jul 09, 5:47 PM
    • 2,204 Posts
    • 4,417 Thanks
    gwen80
    • #8
    • 10th Jul 09, 5:47 PM
    • #8
    • 10th Jul 09, 5:47 PM
    http://forums.moneysavingexpert.com/showthread.html?t=1646411

    This is Dinah's current diary with a link to the debt repayment one. Its a fantastic read and she is an inspiration to many. Enjoy!
    Originally posted by angelflower
    Thanks angelflower! Hopefully I'll get some hints and tips. I seem to have hit a wall!
    • LeeSouthEast
    • By LeeSouthEast 10th Jul 09, 5:50 PM
    • 3,768 Posts
    • 2,948 Thanks
    LeeSouthEast
    • #9
    • 10th Jul 09, 5:50 PM
    • #9
    • 10th Jul 09, 5:50 PM
    God, I feel terrible. ALL of the above apply.
    Starting Debt: ~20,000 01/01/2009. DFD: 20/11/2009
    Do something amazing. GIVE BLOOD.
    • Dinah93
    • By Dinah93 10th Jul 09, 5:52 PM
    • 11,302 Posts
    • 45,571 Thanks
    Dinah93
    I'm awful - I generally tell them hoping they can return it and get it again cheaper!
    Debt January 1st 2018 65,773.65
    Debt November 1st 2018 55,564.51
    10,209.14/15.52% paid off
    Met NIM 23/06/2008
    • Lois and CK
    • By Lois and CK 10th Jul 09, 6:56 PM
    • 553 Posts
    • 741 Thanks
    Lois and CK
    Totally agree with all those. Excellent post. I can add wanting to go back in time and bang my past-self's head against a brick wall

    I came across old credit card statements today while clearing out some paperwork and I just can't believe that person was me

    Here's what going to one wedding cost me:

    A new dress - because god forbid I wore something I already had. Cost - 90

    Shoes - even though I had four million pairs of shoes already, none of them were quite right. Cost - 40

    A body control slip that cost 66 - yes 66 - to go under the above dress. I wore it for around 3 hours and 20 minutes, then took it off for the evening do because I felt like I was being tortured. It's never been on again. A diet would have been cheaper.

    A thingy for my hair - feathery clip thing. Never wore it since (obviously - unless I want to look like a moron in Sainsbury's). Cost - 20.

    Present - 50 (I hardly know them as well, but it was the cheapest thing on the wedding list).

    Hotel room - 155 (oh god I could die of the shame. We stayed in the same hotel as the bride and groom because we thought it would be a nice 'treat' for us. There was a premier inn down the road.)

    Spa treatment - what the heck. 40.

    And I can't remember how much we spent on drinks, but a cash withdrawal the day before was for 150.


    Total cost of being guests at one wedding (and being a moron) - 611.

    Seeing those old statements horrify me. At least I learnt though. I went to a wedding last month and spent 40 - that included a present, a couple of drinks and a taxi home.
    • Purpleroses
    • By Purpleroses 10th Jul 09, 7:13 PM
    • 4,109 Posts
    • 9,945 Thanks
    Purpleroses
    lol so funny yet very true! especially the post office one although I now know the woman who runs our local one so well she lets me leave my pile of parcels with her and she puts the postage on them when she has a spare moment through the day

    well done on bringing your wedding spending down lois that's a huge difference.
    NSD: 14/15

    • Jazzie99
    • By Jazzie99 10th Jul 09, 8:19 PM
    • 283 Posts
    • 1,628 Thanks
    Jazzie99
    Number 1 is soooooo me, I live for pay day!!
    Friend Debt: 5,000/3,850
    2013 Start Mortgage: 306,585/306,585
    Overpayments: 0
    ISA Saver:
    10
    • Ames
    • By Ames 10th Jul 09, 8:22 PM
    • 17,690 Posts
    • 31,269 Thanks
    Ames
    Someone makes an off the cuff remark about being skint and you're itching to get your hands on their SOA.
    Unless I say otherwise 'you' means the general you not you specifically.
  • angelicmary85
    Martin is like the awesome uncle you always wanted!!
    Started PADdin' 13/04/09 paid 7486.66 - CC free 02/11/10
    Aim for 2011 - pay off car loan 260.00 saved
    Nerd No. 1173!
    Made by God...Improved by the The Devil
  • Liz33
    These have made me laugh so much!!! So funny
    Sealed pot challenge - 400 no.491
    • tealady
    • By tealady 11th Jul 09, 5:37 AM
    • 2,868 Posts
    • 3,535 Thanks
    tealady
    Hi. How about adding (and this is me sad to say)
    You get excited about finding a coin on the street!
    Proud to be an MSE nerd
    Judge people by their achievements, not by their mistakes
    • Candy0107
    • By Candy0107 11th Jul 09, 6:46 AM
    • 1,594 Posts
    • 9,691 Thanks
    Candy0107
    I can really relate to number 9

    Candy xxx
    Debts at the start of my journey - about 23,000 lightbulb moment 01.03.2007 (1st payment to CCCS)..Debt Free Date 25.06.2013 Deposit savings 2,500/30,000
  • Brassic
    Hee, no. 4 is me. I have everyone at work, and all friends and family using it.
    Debts @ lightbulb moment (13/06/2006) - 59,842.23 All commercial debts now clear!!! Debts April - 20,000 to family (incl extra 10k borrowed for house deposit). DFD - Aug 2014
    Proud to be dealing with my debts
    Goal of the month - 500 on groceries for family of 5 - Apr 2011 - 620! May - 454.85 so far.
    • Ames
    • By Ames 11th Jul 09, 10:16 AM
    • 17,690 Posts
    • 31,269 Thanks
    Ames
    How about, when this is your homepage.
    Unless I say otherwise 'you' means the general you not you specifically.
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