[Teresa]

I made that hole for myself as well. Trying to dig out. And yea, I need nothing. Nothing.

[Robin]

Good for you.. if u don’t mind a suggestion, sell some of your duplicates & use that $$ to pay down debt, or re-gift to others instead of buying.

New ….good luck!

[Cheryll]

You are doing amazing, paid down over half in just 4 months. I used to be the same way, buying duplicates of products I didn’t need, lotions, make-up, skin care, shampoos, etc. And oh so many clothes. My cabinets and closets are stuffed with these things. I rarely bought any of these things on credit, however.

I am now 73 and have been retired for 6 years and a widow. I now just use what I have accumulated all those years. What works for me now is that I rarely shop, do not order on-line, and just drive right by the stores and restaurants.

I live on my SS and never touch my investments. I live simply and frugally.

You have learned early enough what I learned too late, and that is we don’t need half the fufu things we buy.

[Sue Marcum]

Re gift some of the BBW. Or donate to a women’s shelter. Those ladies will love it and you’ll feel good about helping someone else. Win,Win!

[Teresa]

Have you ever done the time vs value formula?

Take your take home income … subtract all necessary expanses .. mortgage/rent .. phone …insurance … food.. internet .. credit card .. Be very honest. What you have left divide by the number of hours you worked. No one I ever worked with ended up with 1.00 an hour .. always cents.

Now decide is that 10.00 candle worth 10 hours of your labour, that 70. blouse worth 70 hours of your labour. Hold that in front of all your money decisions. How many hours of labour do you work to pay interest? Good to know. Hope this helps a little.

[Vanvisa]

I think you should be really proud of yourself for acknowledging you had a problem, committing to do things better, doing it and fixing another issue in the process.

If I may, it could be helpful, in order to sustain this progress, to maybe do some self-reflection about what was happening or not happening in your life, or how you were feeling, that drove your spending.

Sometimes people buy stuff to fill some other kind of void, everyone has their own personal triggers.

[Author]

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