Has anyone else stuggled with debt?

Cooking, finances, shopping and any regular tasks that are challenging

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Chrido81
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Has anyone else stuggled with debt?

Postby Chrido81 » Fri Apr 27, 2018 9:34 pm

I would class myself as a dyspraxic who struggles with instant gratification. Amongst other traits, I need quick rewards. I feel my work life is so volatile sometimes that I seek quick rushes to keep me "level".

I have issues with spending money. I will think nothing of spending £1000 on a new laptop for example, despite the fact that I haven't planned the repayments. I think thats clearly a combination of of instant gratification coupled with planning of thought difficulties.

I was once over £10,000 in debt, only able to pay it off through an inheritance. So I wonder if anyone else has issues spending money without any plans on how it would be paid back?

Dan
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Re: Has anyone else stuggled with debt?

Postby Dan » Sat Apr 28, 2018 4:16 am

Chrido81 wrote:I would class myself as a dyspraxic who struggles with instant gratification. Amongst other traits, I need quick rewards. I feel my work life is so volatile sometimes that I seek quick rushes to keep me "level".

I have issues with spending money. I will think nothing of spending £1000 on a new laptop for example, despite the fact that I haven't planned the repayments. I think thats clearly a combination of of instant gratification coupled with planning of thought difficulties.

I was once over £10,000 in debt, only able to pay it off through an inheritance. So I wonder if anyone else has issues spending money without any plans on how it would be paid back?


I'm also quite bad with money indeed. When I worked, I had tonnes so I got into bad habits, along with a lot of drug taking, which are obviously expensive too. ;)

One thing I find is that I am often afraid to even check my balance due to being worried about what I'll find out, so I ignore it. I just force myself to do this now and it has helped quite a lot.

MusicL22
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Re: Has anyone else stuggled with debt?

Postby MusicL22 » Sat Jun 02, 2018 3:06 pm

Chrido81 wrote:I would class myself as a dyspraxic who struggles with instant gratification. Amongst other traits, I need quick rewards. I feel my work life is so volatile sometimes that I seek quick rushes to keep me "level".

I have issues with spending money. I will think nothing of spending £1000 on a new laptop for example, despite the fact that I haven't planned the repayments. I think thats clearly a combination of of instant gratification coupled with planning of thought difficulties.

I was once over £10,000 in debt, only able to pay it off through an inheritance. So I wonder if anyone else has issues spending money without any plans on how it would be paid back?



I completely understand with the instant gratification I didn't know this was a problem with me until researching etc. It is so irritating isn't it? I feel like I need replies right there and then, I get shaky and sometimes I get a bit crabby with one particular person.

As for debt when I was younger when I was about 18, I didn't look at bank statements I just bought stuff without actually checking anything. So I ended up overdrawn.

Tom fod
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Re: Has anyone else stuggled with debt?

Postby Tom fod » Sat Jun 02, 2018 9:09 pm

I feel I'm lucky in the sense I was brought up to be debt averse. I think in this day and age it is so easy to see and order stuff instantly and sometimes we use this as a mechanism to try and cheer ourselves up or we'll see something we like and think If I don't buy it here and now it will be gone and I'll miss out!

I have a pretty big pile of unwatched DVDs and unread books and I'm a bit of a hoarder too but luckily other than my mortgage and the small amount I put on my credit card at the tail end of last month it's something I'm lucky I don't have to worry about. Not driving and not having to run a car helps too!
Tom
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With a foot full of bullets I tried to run faster but I just hobbled on to the next disaster.
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Monique
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Re: Has anyone else stuggled with debt?

Postby Monique » Fri Jul 13, 2018 11:42 pm

I was also raised to be adverse to debts and to avoid credit cards etc... But I also definitely have issues with being super impulsive!

Video games, tech and art supplies are my downfall, even when I dont use or have no time to use them I still buy them!

Been trying over the last few months to be really strict with myself. As soon as I get paid each month half of it immediately goes into my second account which I have forbidden myself to touch. I've taken the debit card for that account out of my purse and don't have the card details saved anywhere on online stores.... and so far it seems to be working!

I find that as soon as I move my spare money, out of sight from my current account, I'm not as tempted to spend it impulsively any more. I even switched from physical statements to online banking only, for my savings account, so I am not tempted to spend money like I would be getting sent bank statements by post. I hardly if ever look at my balance on that account. Sounds a bit over the top but it's really helped.

And credit cards are a big nono for me now, learnt my lesson there. It took me just over 2 years to pay off my maxed out card (thankfulky it was 0% interest for 2 years anyway) and it immediately got banished to the filing cabinet, can't trust myself with that thing!! :lol:


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