This thread is loosely linked to several previous ones on the same topic.
We live in a society that makes it horribly easy to get into debt but makes it incredibly hard to admit you have a problem and even harder to get out of debt.
Everybody is welcome to share problems, ideas, solutions, but not be judgemental please
I am not in debt, any more.
Here is a link to some spreadsheets that might help explain how
SPREADSHEETS-for-Debt-Control-Budgeting-Mortgages-etc
and lots of people use this
YouNeedABudget
The important things to remember are
- yesterday is as past as the Crimean War
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we will not judge how you got into debt, but we will support you on the way out )
- this is an anonymous forum
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we will not tell your employer, family or friends of the reality of your numbers and we are here day and night )
- this thread is about supporting people through the huge mindset changes needed to come out of debt
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feel free to offload all of the feelings that drive you to want to spend, that make it hard to save and that generally make life crap at times, including getting those closest to you to recognise the changes needed )
Join in, bare your soul and come out the other end.
Its worth it.
You are worth it
The long term results for you, your partner, your children, and your friends and family are worth it.