As The Workhouse Approaches....How To Do Everything To Avoid It, the Old Style Way

betony

freudianslip wrote: »

I never would have thought I was have seen the day. My DH is chuffed with homemade butter and asked me to get on greenfingers to ask about is it too late to plant potatoes this year. I got some bargain bags a week or so back and put them in the cupboard for next spring. He's just said we need to do as much as we can ourselves. Wow. This is a man who has squandered money so much over the years, up until recently he thought buy one get one frees in packets and processed were a good deal. I have been showing him the importance of home made everything.

Honestly this is such a relief for me, just to have him on side is going to make this so much easier.
QUOTE]


My OH is like yours was. He's a lovely man, I always say he is the best thing to happen to me in years BUT he is one of those people who think money is for spending and says "credit isn't a problem if you can afford it" Unfortunately, we CAN'T afford it now. Er, permission to rant, please?

Thanks! OH is really peeing me off at the moment :mad: I took out a personal loan on top of my overdraft in January as he is up to his max and he said he'd set up a Direct Debit to pay it off, as well as the DDs for my phone contract, contact lenses and dog insurance. He didn't do that. I lost my Incapacity Benefit, upon appeal, last month and I KNOW I'm not well enough to work, whatever this Rip-off government think (that's another :mad:) which my OH agrees with. I told him the loan payment was due today (the 6th) and he said I'd told him the 10th, so wouldn't pay it. Guess what? The payment went out today, leaving me £95 OVER my overdraft. So the bank will charge me £25.

Rant over!

Now, the point of this is HOW to I make him listen to me. He down-right refuses to sit down and discuss our finances and still over-buys at the supermarket when he does a top-up shop for milk etc. (I find it difficult to do this because of the mental health problem the government say I haven't got ) BTW, I usual do the bulk of the food shopping online.

Like I say, he IS lovely and usually so reasonable. Please, any suggestions would be soooo gratefully received!

grandma247

Seeing it in writing was what did it for my dh betony.I kept track with a simple little program that even i could understand and he was shocked at how much just ordinary bills came to.

Thanks for all the links to bulk buying.

Don't forget to save a little patch for nettles in your garden. I have been taking nettle tea for a couple of weeks now and I think i have found my personal optimum dose and the pain (arthritis) gradually eased enough to cut down on painkillers and the last day or two have only taken one lot of painkillers at the end of the day. The nettles seem to dull the pain quite quickly so I can cope.

I have been canning some veg over the weekend. A mix of carrot celery and onion. I decided that was the most useful combination for now and it will go into stews and soups etc when we want a quick meal .

freudianslip

betony wrote: »

freudianslip wrote: »

I never would have thought I was have seen the day. My DH is chuffed with homemade butter and asked me to get on greenfingers to ask about is it too late to plant potatoes this year. I got some bargain bags a week or so back and put them in the cupboard for next spring. He's just said we need to do as much as we can ourselves. Wow. This is a man who has squandered money so much over the years, up until recently he thought buy one get one frees in packets and processed were a good deal. I have been showing him the importance of home made everything.

Honestly this is such a relief for me, just to have him on side is going to make this so much easier.
QUOTE]


My OH is like yours was. He's a lovely man, I always say he is the best thing to happen to me in years BUT he is one of those people who think money is for spending and says "credit isn't a problem if you can afford it" Unfortunately, we CAN'T afford it now. Er, permission to rant, please?

Thanks! OH is really peeing me off at the moment :mad: I took out a personal loan on top of my overdraft in January as he is up to his max and he said he'd set up a Direct Debit to pay it off, as well as the DDs for my phone contract, contact lenses and dog insurance. He didn't do that. I lost my Incapacity Benefit, upon appeal, last month and I KNOW I'm not well enough to work, whatever this Rip-off government think (that's another :mad:) which my OH agrees with. I told him the loan payment was due today (the 6th) and he said I'd told him the 10th, so wouldn't pay it. Guess what? The payment went out today, leaving me £95 OVER my overdraft. So the bank will charge me £25.

Rant over!

Now, the point of this is HOW to I make him listen to me. He down-right refuses to sit down and discuss our finances and still over-buys at the supermarket when he does a top-up shop for milk etc. (I find it difficult to do this because of the mental health problem the government say I haven't got ) BTW, I usual do the bulk of the food shopping online.

Like I say, he IS lovely and usually so reasonable. Please, any suggestions would be soooo gratefully received!

Honestly? He needs a shock. He needs to see that the road to financial ruin is never far off. Get him on here, have him browse the debt boards or even more hard hitting the bankruptcy section. Every day people are finding it so hard to hang on right now.

Get him into the shops, show him how much 6 eggs are, a loaf of bread? Basics, staples things we need to live are becoming terrible expensive, I guess even unaffordable to some.

Show him the stories about drought and heating increases highlighted on here. Petrol costs are always going to get higher and higher especially while there's so much unrest in the middle east (IMO)
With my DH it has been a long road to get to this point.

All this is going on and then we have all of the government cuts, leading economists telling the government to pull back as the country is going to be on it's knees if this all carries on.

Being overdrawn won't shock him, a bank charge won't shock but the real possibility of might happen should. And from one female to another, nagging does a whole load of good too. They say you need to hear something at least 6 times before it enters into your longterm memory - carte blanche and touche! :rotfl:

(hope I haven't frightened you )

LittleBrownFrog

Pear Budget has been the only thing that has ever made my dh think about money. We've been through so many different permutations of budgeting & handling money, but it has always been MY responsibility, it just doesn't come on his radar. PB is an online budgeting program which is very easy to use and because it is online it means that we can both access it easily whereever we are. We enter every single receipt into the program (about 2 min daily, usually less) and you can see straight away where you are in terms of your budget - even dh can't fail to notice. We're at the end of our month's free trial at the moment & we are definitely going to subscribe - the small monthly fee is justified in my house by the increased peace and shared responsibility - I don't feel like I have to nag any more.

Butterfly_Brain

Have just started to fill my chest freezer with meat ready for the massive increase to come in the Autumn/Winter - I have my turkey, pork, beef and gammon joints already for Christmas and I bought lots of chicken, minted lamb chops, pork chops and steak today. We grow our own veggies so are not held ransom by the farmers

freudianslip

Our large family ran butchers/warehouse was rather cheap until these past two months, the prices have rose steadily and that is before the forthcoming expected rises. DH and I were talking last night and decided that we're going to get our protein from other sources. We will be a meat once a week family as opposed to probably every night.

Might just be that bit healthier for it too

redlady_1

I shall be travelling home in the next 6 weeks and so will come back with alot of meat. Luckily I now have another freezer which I think will be good. I will also continue to top up from Waitrose. Also the veggies are growing but I get all my veggies from lidl that I havent grown. Any I dont use are frozen. My nan was told that beef always increases in price at the beginning of December in preparation for Christmas. I have no reason to think that other meat doesnt follow suit.

betony

Thank for your good advice, Freudianslip, I'll try and nag him into doing as he's told . He is aware that prices are on the rise but the problem seems to be that until he met me 2 years ago he was living aone, with a reasonable income from being a driving instructor. Debt wasn't an issue to him.

Right, *rolls up sleeves and prepares to do battle* Let's see what I can come up with, a little research is order...:rotfl:

ginnyknit

saveabob, Happy Birthday, you really are doing well aren't you - free swimming! :bdaycake: Enjoy your day and your new life.

I appear to be having a migraine but the sky is black here so it may well be thunder approaching, can't tell yet. But I am not giving in until I fall over, life is too flipping short. Just managed to plant a load more pea's and dwarf beans. I thought I had planted too many courgettes but one tub seems to be a squash. I was getting quite despondent about my veg growing as nothing seemed to be thriving but a couple of reasonable days seems to have perked them all up. My mind was working overtime in the night so am fired uo today. Cut up a milk container and popped lettuce seeds in as Mardatha advised a while ago and the mini greenhouses are proving their worth still. have about 10 tomato plants inside, outside and in greenhouses all in various stages so should be ok there.

Oh is going on an overnight disabled fishing trip this week so he is treating me to a trip to Homebase to see if there are any bargains. One thing I am going to do more of next year is shallots, they are doing really well and it was just a bag I picked up in Wilkies. Ah well lets see what today holds.

I am however still worrying about the prospects for us all and growing a few veg will not solve all the problems but it does you good to do every bit you can doesnt it?

[Deleted User]

Kimitatsu wrote: »

OK - breathe Kimi :rotfl: the hay crop here is rubbish too, £5 a bale currently off the field and that will go up in the winter :eek:

:eek::eek::eek:

I am horrified. We used to get it locally for max of £1 a bale

The farmers need the water, for goodness sake they should bring in a hosepipe ban asap and then help the farmers to set up irrigation systems

It was mentioned about the soil being dust a few times, well it is. even clay soil that is cultivated and when the wind blows (every day here) then I come home from the allotment with a filthy face. I have to wear big specs to keep the dust out of my eyes. Next step is dessert. We need to get back to small fields and not those big monstrosities that the wind sweeps over