What do the takeaway impulses give you emotionally? Do they fill a need? Are you too tired to cook? If its the first, you need to get clear what it is and then find an outlet for that that doesn't involve money.Hello. Just read through this thread and it's super motivating.
I'm in over 20k of debt and have been for years. It never seems to decrease because I have reckless spending habits that I can't shake. I don't spend on myself but on my two children. We also travel a lot and I like to splash out when we do. I feel like I am wilfully blind when it comes to spending. It's hard to describe but it's like money isn't real to me. I'm 41 and I've been in debt since I was 18 so it's like normality to me. But lately I'm just feeling like I don't want it anymore. It's crippling.
I'm very lucky that I a) live in a low cost of living area b) have a lovely husband who pays most of the big bills and c) have a decent job.
My repayments are £800 a month which is just painful. I want to take action but I can't have my credit score affected as we need to remortgage at the end of the year.
Grateful for any tips.
Seems silly but a major issue for me is massive supermarket food shops then living on takeaways or impulse purchases. This week I was so happy because I actually cooked a few meals using ingredients I had. And they were really good and tasty.
I'm so ashamed of myself for getting into this mess.
Thanks for listening.
Unmet needs can twist themselves into something quite unrecognizable so try to dig deep, maybe with the help of meditation or writing. Word associations do the trick for me sometimes. Or just letting the pen flow. I think handwriting is important there as it connects to your brain differently than typing.
Don't judge or shame yourself for whatever comes up, take a step back and act like a scientist who finds yourself interesting but isn't passing a value judgement on their findings. (Look up metacognition if you want, that is the concept of watching youself think, it's very cool and helpful).
If you're too tired to cook, mealprepping can help. There's loads of websites out there that will make a plan for you if you want. For me, I try and make sure to have as much variety as possible and always plan one fridge cleaning meal at the end of the week to use up bits and bobs. Usually it's veggie soup, but a veggie pasta also works, as does a curry.