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    • HairyHandofDartmoor
    • By HairyHandofDartmoor 24th Sep 17, 1:22 PM
    • 2,900Posts
    • 16,791Thanks
    HairyHandofDartmoor
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    • #1
    • 24th Sep 17, 1:22 PM
    Finally Debt Free After 34 Years, But Still Need to Live Frugally 24th Sep 17 at 1:22 PM
    My DH and I have been in debt for 34 Years, apart from brief periods, ever since I was offered my first credit card at the tender age of19.

    Our debts were caused by us being impulsive spenders and not being very skilled at budgeting or managing our money, so we know it is our own fault. We always believed that one day we would have more money, mysteriously, and that this would bail us out .

    Our full light bulb moment came when we realised, "What if we never have any more money than we do right now?"

    A couple of years ago we were coping with the minimum payments, but didn't have enough to overpay on any of them. We were forking out £1300 a month in minimum payments, and the interest alone was £1000 a month .

    But then in 2015 our small business started to bring in less, and a family bereavement, and illness affected our ability to work. We could no longer afford the minimum repayments and we were scared we would lose our home. We were stricken with stress and depression .

    Step Change shone a light in the darkness for us and they arranged for us to make token payments of £1 a month to our creditors. This saved our sanity and we were reassured that our home was unlikely to be taken from us.

    My DH recently turned 55 and drew out his pension so that we could make full and final offers to our creditors. All but one accepted an offer of 50% of what we owed (which is all we had to offer). We are continuing negotiations with the final creditor and hope to be debt free by Christmas .

    Being so close to being debt free has made me realise what a heavy burden the debts have been all these years, like living our lives wearing lead boots.

    Once we are debt free we will still need to live very frugally because we have no emergency fund or savings, and our income can be irregular. I hope that starting a diary will help to focus me on frugal living, avoid impulsive spends, and keep my spirits up. Because frugal living can be a lonely and isolating experience.

    This site and Step Change has helped me so much, and I hope that my diary will help to inspire others that it's never too late to change your life .
    Last edited by HairyHandofDartmoor; 18-11-2017 at 9:49 AM.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
Page 81
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Jan 18, 7:35 PM
    • 2,900 Posts
    • 16,791 Thanks
    HairyHandofDartmoor
    Obviously Capricorns don't work for you SSG .

    We watched John Wick in the end, DS2's choice, (although only DS3 hadn't already seen it) but they seemed to enjoy it .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • Seasidegal58
    • By Seasidegal58 13th Jan 18, 7:47 PM
    • 1,420 Posts
    • 8,218 Thanks
    Seasidegal58
    Obviously Capricorns don't work for you SSG .

    We watched John Wick in the end, DS2's choice, (although only DS3 hadn't already seen it) but they seemed to enjoy it .
    Originally posted by HairyHandofDartmoor
    No! Although astrological they are supposed to be romantically compatible with my star sign! Must just be the initial attraction.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Jan 18, 9:00 PM
    • 2,900 Posts
    • 16,791 Thanks
    HairyHandofDartmoor
    I'm an Aries and DH is Cancer so we shouldn't be at all compatible, but it seems to work
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • Seasidegal58
    • By Seasidegal58 13th Jan 18, 9:03 PM
    • 1,420 Posts
    • 8,218 Thanks
    Seasidegal58
    Must remember that and seek out least compatible sign!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • Purplemumof2
    • By Purplemumof2 13th Jan 18, 9:11 PM
    • 5,563 Posts
    • 20,306 Thanks
    Purplemumof2
    Hi Hairy,

    Really glad DS2 enjoyed his birthday, John Wick is an awesome film.

    I'm a Pisces and DH is an Aquarius, kids are total opposites, DS is Cancer and DD is Leo. Not sure if Aquarius is supposed to be compatible or not? Lol
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6900.00 Cap 1: £467.97 BC: £6900.00

    AFD 4/14 NSD 9/17 LTW 10/17
    POAMAYC 2018 #041 PD £878.17/£4000
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • Seasidegal58
    • By Seasidegal58 13th Jan 18, 9:30 PM
    • 1,420 Posts
    • 8,218 Thanks
    Seasidegal58
    here you are pmo2:


    “Pisces-Aquarius Compatibility. Initially both the zodiac signs will love each other's company. A Pisces will always find pleasure and fun in living with an Aquarius person and in turn Pisceans being compassionate, will try to take Aquarians on their trip to the dreamland.”
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • 117pauline
    • By 117pauline 13th Jan 18, 9:36 PM
    • 525 Posts
    • 6,242 Thanks
    117pauline
    Hi Hairy

    I tend to retain water when I eat Chinese. I think it has something to do with the additives. It takes two or three days to go again.

    're the takeaways - have you thought of getting just the main dish and prepare the rice or noodles at home?

    I am always impressed with your walks and steps. I did talk about getting a fitbit but I've put that on hold until I know what is happening.

    This week I have been concentrating on fabbing - putting on jewellery, perfume, body lotion etc. I couldn't remember the last time. It seems daft to have it all in a cupboard. I did treat myself to some cheap perfume using some Amazon credit I had accumulated from surveys.

    Tomorrow morning I will write my menu plan, still using up the contents of the freezer and cupboards.

    Do you use my supermarket? I have all my regular items on my shopping list and I can see where it is cheapest. Also it has tabs for savvy buys and best savings. Also ukhotdeals highlights bargains.

    I am a Lidl and Iceland convert. Most products I've tried I've liked and the savings are amazing. 4 pints semi skimmed milk 99p in Iceland, £1.09 in Asda. I also like Iceland's takeaway main courses. Not as good as dishes from a takeaway but acceptable.

    Anyway, enough of my ramblings, enjoy the rest of your weekend
    Take care honey
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
    • Purplemumof2
    • By Purplemumof2 14th Jan 18, 8:04 AM
    • 5,563 Posts
    • 20,306 Thanks
    Purplemumof2
    here you are pmo2:


    “Pisces-Aquarius Compatibility. Initially both the zodiac signs will love each other's company. A Pisces will always find pleasure and fun in living with an Aquarius person and in turn Pisceans being compassionate, will try to take Aquarians on their trip to the dreamland.”
    Originally posted by Seasidegal58
    Thanks SSG, loved the initial bit at the start
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6900.00 Cap 1: £467.97 BC: £6900.00

    AFD 4/14 NSD 9/17 LTW 10/17
    POAMAYC 2018 #041 PD £878.17/£4000
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Jan 18, 10:12 AM
    • 2,900 Posts
    • 16,791 Thanks
    HairyHandofDartmoor
    It sounds like you should be compatible then Purplemum .

    I think (hope) the Chinese meal caused me to retain water Pauline . Hopefully I'll lose at least a pound by next Saturday, which is my weigh day.

    I'm glad you're doing some fabbing Pauline, it will make you feel much better and there's no point in having lovely things you don't use .

    I don't have a Lidl near me but I should definitely check out Iceland some time.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Jan 18, 10:16 AM
    • 2,900 Posts
    • 16,791 Thanks
    HairyHandofDartmoor
    The sun is out today so I'm going to clean the outside windows and weed the front garden. I'm quite embarassed about the state of the windows, all grime and cobwebs .

    After that I need to do some more laundry and plan our meals for next week. I also want to relax and browse on here .

    Have a lovely Sunday everyone .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • Purplemumof2
    • By Purplemumof2 14th Jan 18, 10:21 AM
    • 5,563 Posts
    • 20,306 Thanks
    Purplemumof2
    Have a lovely day xx
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: £6900.00 Cap 1: £467.97 BC: £6900.00

    AFD 4/14 NSD 9/17 LTW 10/17
    POAMAYC 2018 #041 PD £878.17/£4000
    20p Savers 2018 £2 Savers 2018 50p Savers 2018 SPC 11 2018 #003
    • mummytogirls
    • By mummytogirls 14th Jan 18, 11:04 AM
    • 5,802 Posts
    • 20,239 Thanks
    mummytogirls
    Have a lovely pottering and relaxing day HHOD. What is this talk of sun? All we have is cloud!

    Boooo to the gain, if I have naughty food before weigh in I always put on or STS if I've been extremely good. Try upping your water/squash in take as that will help too xx
    Mummytogirls x

    £23164.32 - 12/12/10
    £6069.37 - 02/01/18 - 73.80% paid off
    • Seasidegal58
    • By Seasidegal58 14th Jan 18, 11:13 AM
    • 1,420 Posts
    • 8,218 Thanks
    Seasidegal58
    Enjoy your Sunday Hairy and have a relaxing afternoon. Sun finally shown its face here as well after a very dark start.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • parsniphead
    • By parsniphead 14th Jan 18, 11:17 AM
    • 2,316 Posts
    • 14,722 Thanks
    parsniphead
    I don't really know anything about star signs except in a Scorpio and extremely sexy apparently
    Nothing gets better until you get better.

    2018 My year of creation, living life and learning.

    The purpose of life is to create a life of purpose. Richard Gregg
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Jan 18, 12:13 PM
    • 2,900 Posts
    • 16,791 Thanks
    HairyHandofDartmoor
    Have a lovely day xx
    Originally posted by Purplemumof2
    Have a lovely pottering and relaxing day HHOD. What is this talk of sun? All we have is cloud!

    to cloud.

    Boooo to the gain, if I have naughty food before weigh in I always put on or STS if I've been extremely good. Try upping your water/squash in take as that will help too xx
    Originally posted by mummytogirls
    Yes I should try and drink more water, sigh, I hate the stuff .

    Enjoy your Sunday Hairy and have a relaxing afternoon. Sun finally shown its face here as well after a very dark start.
    Originally posted by Seasidegal58
    Thanks . We had rain yesterday so the sun makes a nice change .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Jan 18, 12:20 PM
    • 2,900 Posts
    • 16,791 Thanks
    HairyHandofDartmoor
    I don't really know anything about star signs except in a Scorpio and extremely sexy apparently
    Originally posted by parsniphead


    This is what I'm supposed to be like! I don't think it sounds like me at all and I should be married to a Libra not a Cancer . I am energetic and I can be impatient, but I don't think I'm vain or egoistic .

    - Aries Traits: Enterprising, Incisive, Spontaneous, Daring, Active, Courageous and Energetic, the Aries are the proverbial infants, guileless and optimistic to the fault. However, they also are impatient, impetuous, vain, proud and egoistic -
    Last edited by HairyHandofDartmoor; 14-01-2018 at 12:24 PM.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Jan 18, 12:24 PM
    • 2,900 Posts
    • 16,791 Thanks
    HairyHandofDartmoor
    Well the windows are washed . I got the cobwebs off with a broom, then used a floor mop and a bucket of soapy water, followed by a squeegy and some dry cloths. It looks a lot cleaner and brighter .

    Now I need to rest for a bit before I put a wash on and clean the bath and sink.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Jan 18, 3:30 PM
    • 2,900 Posts
    • 16,791 Thanks
    HairyHandofDartmoor
    I've been planning my food shop for Wednesday to try and make sure I don't overspend. I've checked what we have plenty of and what we're running out of, gone through old receipts, made a list and priced it up on the Mr T website.

    So far it comes to £66.45 which is much less than I normally spend . What have I forgotten? Well if I can stick to my list it will be a good underspend because my normal target is £74 and I've been going well over that for the past few weeks .
    Last edited by HairyHandofDartmoor; 14-01-2018 at 4:25 PM.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • WannabeFree
    • By WannabeFree 14th Jan 18, 4:11 PM
    • 397 Posts
    • 5,616 Thanks
    WannabeFree
    Lists are the way forward As long as extras don't sneak in

    What fitbit do you have HH? I'm going to buy one but I'm so confused x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the right way.”
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Jan 18, 4:24 PM
    • 2,900 Posts
    • 16,791 Thanks
    HairyHandofDartmoor
    I know, I've got to be disciplined and stick to my list Wannabe .

    I have a Fitbit Charge 2. It's the first one I've had but I love it . I like the fact that it tells me the time as I don't have a watch. My favourite features are the step counter, the stairs counter and the fact that I can track how well I sleep. DH got it from Argos.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
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