Tackling my Debt and Simplifying My Life

[Deleted User]

Sorry - been pants at keeping the diary updated last week - life gets so busy!

Had feedback from the estate agent for last viewing - they thought our hallway was too narrow. On a positive note, estate agent did say things are getting busier so fingers crossed again!

Had a mad half hour in my lunchtime on Friday. I popped to the chemist to collect a prescription then spent £70 on a top and pair of jeans in Evans. Have worried about it all weekend and took them back today. I have put some weight on so clothes quite tight but that's no excuse, I just need to cut the cals and I'll soon feel comfortable in my clothes again.

Have found a few simplicity websites and ordered a simplifying book for 9p & p+p from amazon so I'll be entertained for a little while!

Work is very busy and quite unsettled at the moment - lots of changes ahead - everyone moaning loads. Trying not to be sucked into it all, just look forward to it all being sorted.

Looking forward to updating my signature at beginning of march - hope there'll be good progress.

GLx

MoonJelly

goodlife10 wrote: »

Have found a few simplicity websites and ordered a simplifying book for 9p & p+p from amazon so I'll be entertained for a little while!
GLx

Hello, can you please share which simplicity websites you have found useful? Thanks.:A

[Deleted User]

Hi moonjelly,

The websites I like are : https://www.simplicityinstitute.org
https://www.missminimalist.com
https://www.bemorewithless.com
https://www.zenhabits.net

I also enjoy reading frugalqueens blog. And the 'Simpler Way' report by the https://www.simplicityinstitute.org is a really good read.

Sorry, I dont know how to do the posh links that others do on their posts- must learn....

Hope thats helpful.
GLx

[Deleted User]

Wow, just checked and the links worked!!!!

MoonJelly

goodlife10 wrote: »

Wow, just checked and the links worked!!!!

Lovely and thank you! :A

Malta

Hi,
I feel I am very similar to your predicament myself. I am married with four children (teenagers) and have about £30,000 debt which has accumulated over the years. I have a large mortgage (£900 per month) as it has 4 bedrooms and my eldest son is at University. The next two sons are due to go in Sept and it will still be a struggle to do so.
We both work but never seem to have enough at the end of the month. Do not go out much, no clothes, mags, coffees or furniture etc. Just on living costs. I don't know how it is ever going to get better at the moment.
I would love to be debt free and not have this in the background.
I think your ideas sound good of selling items on e-bay and we are trying not to spend on anything that is non essential.
:mad:
Mainly debts spread over 5 credit cards between us. I am always reading Martin Lewis website and tips and doing 0% bal transfers.
Today was upset when trying to arrange new mortgage after end of 2 year fixed. Was only offered high rates from our bank as they say we have poor credit rating. It is so embarrassing and worrying.
Sorry to moan but need to get a trip and make a plan before it gets worse!
Thank you for your post Goodlife, it is inspiring to me:)

[Deleted User]

Hi there Malta, thanks for your post- it's all pretty overwhelming isn't it?

I finding coming onto the forums really helpful and very inspiring. Have you started a diary yourself yet? I have found it useful.

I initially started to simplify my life in order to get rid of clutter and make some money by selling it. Now much of that is done I am concentrating on simplifying other areas of my life, hobbies, friends, time, work etc. it really is addictive, I am enjoying it very much- it's a rewarding experience.

Good luck on your journey- stay in touch.

GLx

Jox

Hi Goodlife and Malta, I'm just having a muse, hope you don't mind....I don't have any children and have paid off my debts but would love to have children...maybe if "we" want children, we have to accumulate debt while raising them and when the children grow up and leave home then downsize the house and hopefully this sorts the debts out?

It seems awful that people have to question whether to have children or not based on income, life is so expensive, it costs just to be alive, isn't that strange??

But then the poorest people manage to have children so maybe it's just me and my too sensible (worrying) head that puts limits on myself....

Good luck on your quests to minimise, declutter and simplify life and pay less where possible! I'm enjoying reading about the journeys

[Deleted User]

Hi jox, I agree, having children can be expensive but I think it doesn't have to be as expensive as many of us make it. I certainly spent far too much from the time I found out I was pregnant until recently. I am an advertisers dream - tell me I need it and I'd buy it! I bought far too much over the years. There are now minimalist websites advising on minimalism and bringing up children.

GLx

clearmydebts

This is an excellent read

http://www.amazon.co.uk/Simplicity-Parenting-Extraordinary-Calmer-Happier/dp/0345507983/ref=sr_1_1?ie=UTF8&qid=1361997473&sr=8-1