Hi Alex,
nWell done on all the action your have taken so far – you are really determined to beat this thing.
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nAlso well done on having a debt recovery plan.
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nMy experience of debt repayment was a little different so Im just going to throw this out there for you to consider.
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nOne of the biggest benefits and motivators for me has been buying nice stuff for myself (and others)- I especially love sparkly things and have a beautiful room to sit in now with sparkly wallpaper, curtains etc. I also like buying clothes and am about to go to town soon to do so! I also like to see a healthy balance in my bank account and know that no emergency will make me desperate for money – desperate enough to gamble .
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nSo for me I slowed down the debt payment thing so I could enjoy life during the process- if we dont have money left over for fun stuff we might well be tempted to seek our escape/ fun in the wrong place.(gambling)
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nMy circumstances have changed during this time (pay rise etc) and I find that I am paying back quicker that I expected but also Living a life I enjoy.
nPerhaps for now it might be helpful for you to enjoy the benefits of non gambling and get used to spending your money on you again while still making a smaller dent in your debts. You deserve to have nice things no matter what mistakes you have made .
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