No. of Recommendations: 8
Someone might have already said this, I didn't read all the posts, but I just wanted to give you some emotional support. Many times when people are trying to get ahead or out of debt, friends and family can be a hinderance. They are used to you spending a certain amount of money on leisure items and activities. You need to STOP doing that right now and stick to it. Make a goal.... I won't spend anything extra for x months, or one year or whatever your goal is, then have a nice weekend vacation to treat yourself. You will not go nuts that way and you will save a lot of money by not instantly gratifying yourself.
But, back to F and F.... just tell them you are saving for something special/important (you are - your future!).

Just SAY NO! No, we can't go out with you to dinner, how bout a BBQ at our house... potluck? Rent a movie at home for $4 instead of going out to the movies for $25 (popcorn, soda, etc... adds up fast). Do fun FREE things with your family... go to the park, go to free outdoor concerts/plays/performances. If you live anywhere near a city, go to the free museum days, visit cultural centers, the zoo..... usually low or no cost things to do that are fun too! Pack a lunch... bring water or kool aide or whatever.... make a point only to have enough cash with you to pay for admission... then you're not as tempted to buy the trinket or drink... these things add up fast too. As far as family and friends go... some of them will gripe... it will seem weird at first, but they'll get used to it. Some may call you tight fisted or stingy or whatever.... just ignore it. You have a future to look forward to. You might sit down with DH or the whole fam... depends on your situation, and make a pact that you all will do your part to pitch in and save money and at the end of X time period you will all go do X. But until that time, you all are going to do your darndest to save as much as possible to pay the debt. My son is only 8 but we have already had long conversations about money and how we don't buy everything we want when we want it, since we want to own our own home. We've talked about when he's older and gets a job/career how to save money, how to stay out of debt by budgeting and delaying gratification, etc. He really understands at his level and this makes things easier when we go shopping and he wants every toy in the isle. It is not a huge struggle to tell him no. He already knows.

I have a particularly nosy friend who knows we are paying off debt but asks nosy questions. It takes tact and patience to deal with some people but don't feel pressured to give in to do what everyone else is doing. Do what is GOOD for YOU.
Best of luck... I am in the same boat. : ) Chin up! - J4
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