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Keeping up appearances.......

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  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Fantastic news Mrs H...that is what I call a real shot in the arm!

    I told..well he found out...my OH about the real state of our finances just a month ago and life has been so so much better since. The horrid secret is out and it is making such a difference having both of us in on the struggle.

    Interestingly he found out by reading my sig on the diary...I must have left it open one day on tablet..

    Keep posting. It helps so much and of course we love hearing from you:D

    Brizzle
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • dawnybabes
    dawnybabes Posts: 3,371 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    :beer:That's brilliant news:beer:
    Sealed pot challenge 822

    Jan - £176.66 :j
  • Honey_Bear
    Honey_Bear Posts: 7,492 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    brizzledfw wrote: »
    Fantastic news Mrs H...that is what I call a real shot in the arm!

    I told..well he found out...my OH about the real state of our finances just a month ago and life has been so so much better since. The horrid secret is out and it is making such a difference having both of us in on the struggle.

    I'm so glad for both you, Brizzledfw and Happy Now that your OHs know the situation. Keeping secrets is such hard work - and you're sleeping better HN, so it just goes to show that you're (marginally) less stressed than this time last year.

    And progress financially! Well done - it must be such a relief.
    Better is good enough.
  • brizzledfw
    brizzledfw Posts: 7,302 Forumite
    Debt-free and Proud!
    Thanks HB:D
    MFiT-T4 Member No. 96 - 2022 is my MF goal :D
    Winter 17/18 Savings Rate Goal: 25% [October 30%] :T
    Declutter 60 items before 31.03.18 9/60 ** LSDs Target 10 for March 03/10 **AFDs 10/15 ** Sales/TCB Target 2018 £25/£500 NSDs Target 10 for March 02/10 Trying to be a Frugalista:rotfl::T
  • Wow! That's great news Happy. So pleased for you both- you really deserve some good luck for a change.
    MFW 2024 £27500/7500 Mortgage £129,500 Jan 22 Final payment June 38 Now £68489.08 FP May 36 Emergency Fund £20,000 100% Added to ISA 24 £8,060 Save 12k in 24 #31 £20,034.76/20,000 Debt Free 31.07.14
  • Piquant_2
    Piquant_2 Posts: 5,769 Forumite
    PPI Party Pooper Mortgage-free Glee! Debt-free and Proud!
    Very good news Mrs H, I'm so pleased for you!
    Total debt at October 2008: £67,213.30
    Total debt today: £0
    - debt and mortgage free 29th November 2013 :T
    Sealed Pot Challenge member 14
    Save £12K in 2014 - £6,521.90/£6K member 138



  • poohbear59
    poohbear59 Posts: 4,866 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker Debt-free and Proud!
    Brill news happy! :D

    I hope you are feeling well again soon.

    We had some of our speedy seed salad for lunch today :) Yum.
    business mortgage £0))''(+ Barclay's business kitchen loan £0=Total paid off was £96105 PPI claimed and received £13527
    'I had a black dog, his name was depression".
  • grannyx2
    grannyx2 Posts: 3,455 Forumite
    Ninth Anniversary 1,000 Posts Combo Breaker
    Fantastic news about the cheque and the improved sleeping

    Granny x
    Targets
    Trip to Australia (On hold until 2022 now) to meet new grandson born jan 21!

    Lose 84lbs. Update (minus 65lbs mostly during lockdown as of 18.05.21)

    LBM : July 11 - £56,962
    DEBT FREE 21-05-21
    MORTGAGE FREE 13-06-18

    Loving my kitty cat

    https://forums.moneysavingexpert.com/discussion/3958715/return-to-solvency/p1
  • HappyNow
    HappyNow Posts: 1,558 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped! Name Dropper
    Thanks for the good wishes everyone, it means a lot :). I've been really struggling to get on here recently and I have so much to update. I need to sleep, so tonight I will just update on Mr Happy's reaction to hearing our debt figure.

    Our upcoming cash influx really forced my hand. Ever since my LBM I have preferred not to tell him the figures. I've never hidden credit card statements or anything - they've always been kept in unlocked files - but he has no interest in money and has always just left the finances to me. It suits us both. He is a worrier and there was nothing to be gained from telling him. It wouldn't have changed our situation other than I would have had to cope with his angst on top of our poverty!

    But when we heard we had some money coming, it naturally led to a discussion on what we would do with it. His suggestion was a cheap holiday and a deposit on a decent car (his car is on its last legs and has been for years). At that point I said that we needed to put most, if not all, of it towards our debts. I still didn't intend telling him the exact debt figure unless he specifically asked. And he specifically asked!

    On hearing that we have unsecured debt of over £64K he was naturally a little shocked! I told him not to panic because it is reducing each month, but that I would really like to chuck the lump sum at it to help us be more financially secure. He was a bit disappointed that there won't be a new car yet, but agreed that the debts should take priority. That was over a week ago, and I think if I was to ask him today how much we owe, he wouldn't even remember the figure!

    So, Mr Happy now knows our situation! Hand on heart I don't feel any better for sharing the knowledge, but I'm pleased to say I don't feel any worse either :).
    LBM Dec 2011. Aimed, but failed, to clear all unsecured debt by Feb 2019. Finally free of unsecured debt 21st May 21!

    Debt Dec 11: Unsecured £69,579 + Mortgage £59,948 = £129,527
    Debt May 21: Unsecured ZERO! ZILCH! Mortgage £22,332
  • Boomfloom
    Boomfloom Posts: 48 Forumite
    I am so glad it went well and about your unexpected windfall. Good for you :beer:
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