To ask you all Rip into me.

[EveOnline2016]

I need to clear my debts. I just paid the last of my catalogue debt off and so tempted to splurge out and order stuff.

It a want not a need. MN please be harsh.

This will save £60 a month in which next week will be able to clear store cards.

You've inspired me OP. Well done

Well done on being to well disciplined so far - hold that thought!
Why would you want to go and splurge and start to un-do all you've done.
Make your goal to reward yourself once you're debt free.

Lorelei9 had a good idea in visualising burning money! You just wouldn't would you... so don't buy things you don't need! Keep chipping away - you already know you can do it! :-)

Neopolitan? Enjoy... you deserve it and correct on paying off debts first... esp overdrafts as they cost you!

*typo... 'so well disciplined'

Haven't RTFT but your posts sound like maybe you'd benefit from goof minimalist in your approach?

Go Kondo - twist your brain to realise the more stuff doesn't make you happier.

Clear it all out, shop your cupboards, appreciate each individual item you already have and ditch the ones you don't like or need.

When you've done that, go to a nice city or town and spend a few hours in the charity shops for the clothes you are lacking. When I find a lovely coat or skirt for £2, I get a rush that's much bigger than shopping online for new stuff!

Become a minimalist Kondo bargain hunter

Well done though, amazing work clearing your debts like this!!

*going, not goof!

OP I went from £35k debt to £0 in six years. The high in making that last repayment (and not having had to go IVA or bankruptcy route) IS THE BEST FEELING IN THE WHOLE WIDE WORLD EVER!!!!!!!!!!!!!!!!!!!
That's how fucking awesome it is; I just used up two years MN allowance of exclamation marks in one post.
KEEP GOING. It is SO worth it.
And everything you purchase IN CASH once you are debt free is so much more valuable, I promise.

I'm going to buy a frame and put the last ever letter of clearance in it.

Then get into a huge debt. A purchase that I so desperately want. That debt will be with it take 20 years to pay off but that will be a mortgage.

Well done OP. A mortgage is a debt, but it's hopefully one that will give you a good return and isn't one that will keep you awake at night. Please keep at it.

Genuinely impressive achievement - don't backslide now.

You've done well. But that doesn't mean that you deserve to go and splurge on unnecessary items. Take that mortgage, make it your investment and save for anything else you need, or manage without. Make your 'habit' being a savvy shopper and finding discounts on everyday essential stuff a priority.

If you ever feel the need to borrow money to buy anything, please do check out the APR before you do; they are seriously shocking, particularly on store cards. They are not a bargain, even with their 10% introductory discount. Live within your means and you will feel so free.

Again, well done so far. Keep it up and get rid of those debts - they are a mill stone round your neck.

bloody hell, that's amazing! Really, really well done.
Don't spoil it now, you'll kick yourself. 16 months till you're debt free - that's next summer. Think what a brilliant, worry free Christmas you'll have in 2017.
But I must say, I'm finding it terribly hard to stop myself from wondering if you're masturbating right now

I read a tip once which was to freeze your credit cards in a Tupperware container of water. If you really need something you'll always be able to defrost them.

You will be pleased to know I'm outside doing supervision duty on kitten. Bloody freezing as well.

It's her first few times out and I'm helicopter parenting.

She has been neutered, chipped and all the jabs so slowly letting her out side.

Kitten out

How about blogging (anonymously?) about how you've done it, how you are overcoming temptations, what you are doing with the space you 'give' yourself every time you resist , what you are doing instead of buying, etc to help other people who are struggling, and to keep your fingers busy - and also have a kind of 'virtuous public persona' (albeit an anonymous one) who has a reputation to keep up! (hasten to add blogging is free to do!)

You could get some mutual support going that way too?

Gorgeous kitten !

Just dont live on credit. You cannot afford it with your money you dont buy it.
If you been in debt before i dont understad why you want to go back to that stressful place.
I was in debt a few years back and i dont do credit for nothing the stress is not worth it

Think your dcs needs, when they really do need stuff and you won't have any credit to help them out and you wish that all those unwise purchases could pay for other stuff. Save the money for them.

I think the opposite to being a spendaholic is becoming frugal. I have found it's fairly easy to direct the same amount of emotional energy spent wanting to buy stuff into finding ways of saving money and living on the cheap. I found this out the hard way as I had to borrow 2k to have an op on my dog. I was determined to pay it back ASAP and it's amazing how much you actually can save if you make a bit of a hobby of it, albeit a necessary one. It's been a lot of years since and the dog is long gone but I have stuck with a lot of the lessons and have saved a nest egg which is a lovely feeling. Good luck OP you are doing well!

I have gone from rags to riches in my life, riches to rags. I cannot impress it upon people to just buy what your dcs need, because it gets trickier as they grow older. think mobile phones, uni set up, travel to college enough said.

Well done OP.

I gave up smoking nearly 2 years ago and so far the savings stand at £4700. I setup the NHS stop smoking app on my phone and it tracks how much money you save by how many days you've quit by. I now can't believe how much money I used to set up in smoke. There is no way I could ever afford to smoke now, even if I wanted to.

I have a credit account with next, with them I called them and they put a block on my account so that I couldn't order online I had to phone them up and order, now because of that I don't even bother looking. See if they could do that?