Steering clear of negativity whilst clearing debt...

Hi everyone! This weeks been a tough one as its almost been a month since I began my journey and payday is getting closer. This means its getting tougher for me to hold on to what's left in my account. My current balance is £230 as it stands, and this is set to go towards paying down my Dirty Debt! This week I was landed with paying for my Christmas do and I had to attend a friends birthday meal, and both activities cost me £20 in total so I'm down to £230.

Another reason why its been tough is because I've had some negative comments thrown my way. Things like 'you're crazy', 'you can't live on a budget the whole time', and the worst was 'you're being selfish!' That one hurt me the most because it came from someone very close to me. This person is very bad with their money and constantly asks me for money. So whilst I've been trying to clear debt this has been very draining emotionally. It makes me feel awful to say 'no' but my budget simply cannot afford it. Especially as this person has a track record for not paying back what they borrow.

I think it's important to tell people you come into regular contact with about the journey you're on and why. This is so that they can understand your new lifestyle and can support you, which will in turn make your journey easier.

On a good note!


This is the first time I've returned boots to pay off debt and got to the end of the month with money left over in my bank account. This is a huge milestone for me and one that requires a mini celebration. So here goes... 'Yipeeeeee!'

How do you deal with negativity? Do you know someone who is always borrowing money? Or maybe you have some tips that could help me...

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Debt Busting Chick!: Steering clear of negativity whilst clearing debt...

20 Nov 2013

Steering clear of negativity whilst clearing debt...

Hi everyone! This weeks been a tough one as its almost been a month since I began my journey and payday is getting closer. This means its getting tougher for me to hold on to what's left in my account. My current balance is £230 as it stands, and this is set to go towards paying down my Dirty Debt! This week I was landed with paying for my Christmas do and I had to attend a friends birthday meal, and both activities cost me £20 in total so I'm down to £230.

Another reason why its been tough is because I've had some negative comments thrown my way. Things like 'you're crazy', 'you can't live on a budget the whole time', and the worst was 'you're being selfish!' That one hurt me the most because it came from someone very close to me. This person is very bad with their money and constantly asks me for money. So whilst I've been trying to clear debt this has been very draining emotionally. It makes me feel awful to say 'no' but my budget simply cannot afford it. Especially as this person has a track record for not paying back what they borrow.

I think it's important to tell people you come into regular contact with about the journey you're on and why. This is so that they can understand your new lifestyle and can support you, which will in turn make your journey easier.

On a good note!


This is the first time I've returned boots to pay off debt and got to the end of the month with money left over in my bank account. This is a huge milestone for me and one that requires a mini celebration. So here goes... 'Yipeeeeee!'

How do you deal with negativity? Do you know someone who is always borrowing money? Or maybe you have some tips that could help me...

Labels: ,

2 Comments:

At 20 November 2013 at 18:53 , Blogger Belinda Swan said...

Hi there!

It is really hard when those aroud you aren't in support of your money-saving journey. My husband and I are currently doing some extreme budgeting, to sort out some debts, and then want to whittle away our mortgage.

I have one friend who is likeminded, but all of my other friends are extremely free with their spending. The thing that I find the hardest, is that you want to discuss your 'wins' and successes with your friends, but your really can't, as they are just not on the same page. I've accepted that the majority of my friends have a different spending agenda to me, and I have found that reading blogs written by like-minded people has been wonderful. It gives you extra support to know that you are doing the right thing, and is great for extra motivation.

Those close to you will eventually get used to your new focus, and realise that they are the ones being selfish, not you!!!!.....if you just stick to your new path with determintation. Goodluck!!

 
At 20 November 2013 at 22:49 , Blogger Nikki M said...

Hi Belinda and welcome.

Thank you for your support and well done on taking the step to clear your debt. It's great that your husband is involved.

I have one friend that is supportive and also some cyber friends that have been great.

I totally agree with you about others not being on the same page, so I find comfort in reading similar blogs.

Thanks for dropping by :)

 

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