Posted: Mon Sep 03, 2007 12:43 am
Hi all
Well the last week was tough. Payday last day of the month and £130 of expenses not claimed in time so I struggled to get by. I know everyone is in the same boat but sometimes it impacts on you more than you imagine.
Anyway I just about got through it but what I realized is what a difference a year makes. Sunday was my birthday and I was 41!!! This time last year I didn't want to face up to my problems so carried on burying my head in the sand. 6 weeks later I accepted my problem and got in touch with the National Debtline.
What I noticed last week was that I accepted I was skint and "cut my cloth accordingly". A year ago I would have thought "no problem, just put it on the card" but 12 months on I live a life without credit and know that if I borrow money before payday I will be so much worse off for the rest of the month.
I know I have learnt to respect money over the last year, something I didn't do for the previous 6 years. Its a good feeling to get to payday with money still in your account whilst at the same time knowing you are not overdrawn or have credit card balances/loans etc.
I've had a great birthday weekend. I went out and got very drunk last night because friends kept buying me drinks. I was very sick outside the club and again when I got home but I had a brilliant time. Today some friends came over and I cooked a roast dinner then we went to the pub for the quiz. We won and the quizmaster got everybody to sing happy birthday to me. Once again friends kept buying me drinks.
So all in all a great weekend and not very expensive. But I remembered that life is for living and put my debt worries aside for a couple of days.
When I wake up tomorrow I'll remember that I have an IVA to pay off and 4 weeks to my next payday so moderation and resistance to impulse buys will kick in again. But for this weekend I had fun which is not something I take for granted anymore.
Regards
Dave
P.s. Skippy such a shame Chelski lost to Villa.
Well the last week was tough. Payday last day of the month and £130 of expenses not claimed in time so I struggled to get by. I know everyone is in the same boat but sometimes it impacts on you more than you imagine.
Anyway I just about got through it but what I realized is what a difference a year makes. Sunday was my birthday and I was 41!!! This time last year I didn't want to face up to my problems so carried on burying my head in the sand. 6 weeks later I accepted my problem and got in touch with the National Debtline.
What I noticed last week was that I accepted I was skint and "cut my cloth accordingly". A year ago I would have thought "no problem, just put it on the card" but 12 months on I live a life without credit and know that if I borrow money before payday I will be so much worse off for the rest of the month.
I know I have learnt to respect money over the last year, something I didn't do for the previous 6 years. Its a good feeling to get to payday with money still in your account whilst at the same time knowing you are not overdrawn or have credit card balances/loans etc.
I've had a great birthday weekend. I went out and got very drunk last night because friends kept buying me drinks. I was very sick outside the club and again when I got home but I had a brilliant time. Today some friends came over and I cooked a roast dinner then we went to the pub for the quiz. We won and the quizmaster got everybody to sing happy birthday to me. Once again friends kept buying me drinks.
So all in all a great weekend and not very expensive. But I remembered that life is for living and put my debt worries aside for a couple of days.
When I wake up tomorrow I'll remember that I have an IVA to pay off and 4 weeks to my next payday so moderation and resistance to impulse buys will kick in again. But for this weekend I had fun which is not something I take for granted anymore.
Regards
Dave
P.s. Skippy such a shame Chelski lost to Villa.