Sometimes do you ever feel like....

**jade73** · 08-16-2008, 08:02 PM

Just wondering do you ever feel like is it worth it? All the things you do to try and make it better?I guess I am feeling sorry for my self I know I am in some kind of a funk.(someone shake me and get me out of this) My DH and I have been tring to pay our house off this year putting all we can to the payment.And on the postive side we are almost at our goal.But sometime it just seems you always work and save and the reward is so far away it can make you feel depressed.I am complaining and I dont know why...... yes I do we do nothing we go no where.But on the postive side we will have the house paid off I think November Greenbo I hope I got your name right if I didnt sorry last staement the balance was $4.958.48 interest 7.500.We are paying $1405.00 a month our normal payment is just $783.34.I am right?I asked Greenbo because I see him everwhere giving great advice.Sometimes a kicker but I know I am asking so please dont kick so hard.
I know I am just feeling sorry for myself I just had to say it somewhere.Thanks for reading such a long post of just feeling sorry for my self

**dcompton** · 08-16-2008, 08:15 PM

Nothing wrong with feeling sorry for yourself once in a while. It's normal and very human. I don't have much advice, but the one thing I would suggest is to not totally deprive yourself - that makes staying motivated very, very hard indeed. It's great that you are so close to your goal - that's really impressive. But it sounds like you need to do something for yourself. Not a huge bash, just something fun and relaxing. It can be really really rejuvanating.

**Greebo** · 08-16-2008, 08:19 PM

No n in my name.

Honey, if you're debt free but the house, its time to relax a little!

Under the DR plan, once the only debt you have left is your house, and you have your fully funded emergency fund, then its time to do the following:
1) Put 15% towards retirement, every month
2) Fund children's college funds
3) Pay extra towards the house

(Technically these are steps 4, 5 and 6)
But with #3, he says go ahead and start having a little fun! Save up some extra money for a vacation. Celebrate your debt freedom! Have a party! Buy something fun for yourself, for cash! (Something fun but *within reason*

)

Listen if you're feeling this stressed and bummed about not having a life, and you owe less than $5k on your house? My advice? Yeah, ok, you're really close - but hey - why not ease off, JUST a little, and stretch that house payment out till December.

And celebrate Christmas in your fully paid for house!

At LEAST go out to dinner or something!

**jade73** · 08-16-2008, 08:28 PM

Hey Donna,Thanks for the advice of just giving a little and yes having fun every once and a while.
And yes Greebo sorry for speeling the name wrong but no we have no credit card debt and we have no car payment we only have the house.And I feel we are so close we are taking ever dime and putting too the house and i do agree it is just sometime its gets to me I will get over it Just had to say it outloud Thanks to all

**Persimmon Lace** · 08-16-2008, 09:43 PM

You will be so happy and proud of yourselves when this debt is gone, gone, gone! You're in the home stretch and it can be hard to focus but it is so worth it!

**PrairieRose** · 08-17-2008, 02:38 PM

Oh I think we all get 'weary' from the hard nosed drive. It is time to take a month and take just a little from the snowball and do something fun and earmark it 'celebration time' for what you've accomplished. Take a little trip (weekend or something) eat out, do something you've wanted to (visit a museum or national park, just something...doesn't really matter what) take pics, enjoy it. Then, next month get right back on that horse. When you start to feel bogged down and weary again, it's time to take a quick breather and do it again, then nose to the grindstone again.

It's ok to enjoy life a little.....

**Thrifty Mom** · 08-17-2008, 03:05 PM

Even if you are not willing to splurge on a weekend away,you can do something fun for just a few bucks. Around here there is a festival within 30 miles every weekend. We always enjoy walking around, taking in the free entertainment, such as car shows or music performances & of course we get some junk food to eat. We often take our own drinks & share fries,& each get a sandwich, so we really do keep the cost down.
We are really good at cheap dates, here are some of our ideas: Picnic in the park, afternoon or evening at the library, trip to the flea market, triple AAA ball games ($6.00 admission each), walk around public gardens & admire beautiful plants, you get the idea, just get in the car & go someplace. You can factor in a meal out, or pack something with you. Don't stay home & feel deprived. You have so much to be EXCITED about! Congratulations!

**allenwrench** · 08-19-2008, 09:54 AM

Seek balance...not too much...not too little .. but just right.

Sure, hard to achieve as imperfect humans, but something to shoot for.

**savvymom** · 08-19-2008, 10:03 AM

Wow, you're doing a great job! Take a little "me/us" time, you deserve it! I hope you're feeling better soon, but it is completely normal to get frustrated, take a breather!

**Russ** · 08-19-2008, 10:06 AM

Go out and have some fun or buy yourself something nice. One month isn't going to hurt.

Don't feel sorry for yourself. BE PROUD of yourselfs. Not too many people are as fortunate to be in the situation you are in right now.

Just think, pretty soon you get to call Dave Ramsey and yell at him.... WE ARE DEBT FREE!!

**frugalbabe** · 08-19-2008, 10:37 AM

Holy cow do I admire you! Someday I am going to be where you are but I know the years of hard work ahead for us just think you're on the downhill slide!! I agree with everyone go out and have some fun - sounds to me like you deserve it!

**mommy4ever** · 08-19-2008, 12:17 PM

First of all...

WAY TO GO!!!!

Take $100 and have a little fun! $100 won't break you at all. Have a nice dinner with your beloved. If he isn't game, take a little and go for a pedicure or massage. A little pampering can go a long long way!!

**suzysaver** · 08-19-2008, 12:46 PM

Great job and focus, but we all need a little break once in a while. Maybe just plan a fun month, each weekend do something different....pack a lunch and play in the park for a day, maybe a movie date, a camp trip, local festival, the zoo. We all need a little something to look forward to.