Posted: Sun Feb 20, 2011 11:29 pm
Well it's been a trek but I am only 3 payments away from completing my IVA. It's been tough at times but with a very considerate girlfriend and a strong will it is possible to be debt free!
I thought I would just pass on a couple of tips that helped me get through it as easily as possible.
If you have use of a pc and excel do a income/outgoings spreadhseet every month , in fact do it months ahead like I did. Set all your direct debits/standing orders etc to go out on your payday , that way you know what you have left for the rest of the months expenses. I know this is hard for some but try not to carry cash , you are far less likely to buy that can of pop and sandwich that you see in the shop if you don't have the cash on you. All these little couple of quid savings tot up.
If you have a dog then walk him lots , it kills time when you are likely to get bored and spend and you get fitter at the same time. I was lucky that we already had some exercise equipment in our garage , I dusted it down (they had old clothes on it )and got right into it. Again it kills time and the weight loss gives you another goal to work for. I lost 21 pounds in the last six months.
If you can save a little from your grocery allowance then go out and blow off steam once a month. See you freinds , have a couple of drinks. It recharges the batteries and give you another nice monthly treat to work towards. I found the months started to go much quicker when I started doing that.
Well I had better go , hope these couple of things that helped me could help other.
Good luck to all !!
Jase
I thought I would just pass on a couple of tips that helped me get through it as easily as possible.
If you have use of a pc and excel do a income/outgoings spreadhseet every month , in fact do it months ahead like I did. Set all your direct debits/standing orders etc to go out on your payday , that way you know what you have left for the rest of the months expenses. I know this is hard for some but try not to carry cash , you are far less likely to buy that can of pop and sandwich that you see in the shop if you don't have the cash on you. All these little couple of quid savings tot up.
If you have a dog then walk him lots , it kills time when you are likely to get bored and spend and you get fitter at the same time. I was lucky that we already had some exercise equipment in our garage , I dusted it down (they had old clothes on it )and got right into it. Again it kills time and the weight loss gives you another goal to work for. I lost 21 pounds in the last six months.
If you can save a little from your grocery allowance then go out and blow off steam once a month. See you freinds , have a couple of drinks. It recharges the batteries and give you another nice monthly treat to work towards. I found the months started to go much quicker when I started doing that.
Well I had better go , hope these couple of things that helped me could help other.
Good luck to all !!
Jase