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...

Surrounding yourself with fabulous like-minded people...

Over the past few days I've realised that my journey has started to become an easier and far happier one. I thought about what had changed and the only thing that had, was the fabulous like-minded friends I've recently made.


Meet my twitter buddies....
@MortgageFreeJny
@LemonadeBudget
@LovelyisLacey
@mammybear84
@fab_at_44
@claire_mansell

They all have helped to spur me on and have some amazing debt busting ideas to help curb the spending. I find that talking to them actually makes me even more excited about living frugally, and I find myself looking for more ways to slash my spending habits. Every day I learn something new because of them and I cannot wait to update them with my progress. Follow my debt busting buddies for excellent tips and ways to help you save more.

@MortgageFreeJny had the brilliant idea of starting the infamous £7 challenge. I'm glad she did because without it I don't think I'd be saving the extra £18 that would otherwise have been spent on food shopping this week. So far i've spent zilch, and now have more money to plunge into my Dirty Debt to clear it faster. I advise you to all get involved, not only do you save money but its actually fun and comes with heaps of support. Check out our progress here at Mortgage Free Journey.

They say the key to your success is to talk to and surround yourself with like-minded people, and if you're anything like me or on a similar journey I'd love to hear what works for you. 

I also know of a few more challenges coming in the pipeline to help us keep spending habits to an absolute minimum. Stay tuned for more info...