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We're home to a fantastic community of MoneySavers but anyone can post. Please exercise caution & report spam, illegal, offensive or libellous posts/messages: click "report" or email forumteam@.

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  • FIRST POST
    • Xena Debt Warrior
    • By Xena Debt Warrior 17th Apr 18, 6:06 AM
    • 1Posts
    • 1Thanks
    Xena Debt Warrior
    Living on a knife's edge
    • #1
    • 17th Apr 18, 6:06 AM
    Living on a knife's edge 17th Apr 18 at 6:06 AM
    Deleted post
    Last edited by Xena Debt Warrior; 23-05-2018 at 1:47 AM. Reason: Deleted post
Page 1
    • Starmummy
    • By Starmummy 17th Apr 18, 6:23 AM
    • 217 Posts
    • 1,005 Thanks
    Starmummy
    • #2
    • 17th Apr 18, 6:23 AM
    • #2
    • 17th Apr 18, 6:23 AM
    Good luck on your journey.
    Start with small steps. Analyse your spending over the past 2-3 months and come up with a SOA. Then see where you can cut down and create a realistic budget.
    Try and save an emergency fund and then overpay on debts where you can.
  • archived user
    • #3
    • 17th Apr 18, 6:30 AM
    • #3
    • 17th Apr 18, 6:30 AM
    No judgement here whatsoever.
    Welcome and good luck.
    If you've cleared debt before then you know how to do that, so sounds like you need to focus on what allows you to build it back up again.
    Have you come across YNAB? It's a money management technique which has really helped change my mindset (along with everyone on here)
    I've subscribed xxx
    • fatrab
    • By fatrab 17th Apr 18, 7:31 AM
    • 908 Posts
    • 3,239 Thanks
    fatrab
    • #4
    • 17th Apr 18, 7:31 AM
    • #4
    • 17th Apr 18, 7:31 AM
    Hi and welcome along!


    Best of luck on your journey! Please do post an SOA, gives us something to play with!!


    You can have results or excuses, but not both.
    Challenge - be 14 Stone BY XMAS!

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