Mr and Mrs K's New Journey to a Debt Free Life.

lucielle

Hi Alex, I've read your diary from start to finish and blow between 'he gets it' to completely flabbergasted.

Anyway please see my siggy as we have had an incredible amount of debt and scraped our way out of it whilst maintaining a family (there are 6 of us).

I hope you keep making progress, everyone has blips it just seems yours are quite expensive and not the odd bar of choccy (guilty) here and there.
L

Goldiegirl

LannieDuck wrote: »

Maybe take a read of some of the other DFW diaries?

I think that's a good idea, but I'd also suggest that Alex finds diaries that are written by people in a similar situation / background / income to him, as it's easier to relate to people who you can identify with

However, Alex seems fairly unique round here, and I think that is what makes him so compelling and / or baffling, depending on your perspective!

mum2one

Mara_uk7 wrote: »

... or if you came along mine while I was singing ... I could record it and sell it to people wanting to keep cats out of their gardens !

Had to smile - in my previous life.. I worked in a supermarket and had to do a tannoy announcemnt - most days but this one ocassion it was rememberance day so it was posh - we're having 2 minutes silence, then thank you, did task, this customer who was by me, he said oh you have such a lovely tone, with that voice you should be on the radio...... then he follows it while with a body like ours our never be on TV......

x

fc123

Goldiegirl wrote: »

I think that's a good idea, but I'd also suggest that Alex finds diaries that are written by people in a similar situation / background / income to him, as it's easier to relate to people who you can identify with

However, Alex seems fairly unique round here, and I think that is what makes him so compelling and / or baffling, depending on your perspective!

Hey Alex, hope the cold is easing off...... I have been keeping up (just) with your diary and you are getting there in mindset (just ).

I was going to link to a huge thread written by a lady who has a high income, 2 kids in an expensive private school and a large, very nice house. I followed her thread start to finish and during that time her hubby lost his hedge fund business, had all sorts of work issues then took a job in Switzerland so they had to live apart for about a year.

They also owned a villa in Cyprus.

She ackowledged her 'shopaholicness' and sold a ton of stuff on Ebay to service the debts.
She deleted her 1st post but I will PM you the thread link as it was interesting though she didn't freeze any interest and they did clear the whole debt but mostly through selling their house when they all relocated to Switz.

She always refused to post an SOA, no doubt because their income was high (but their outgoings higher ) plus I know that just 2 sets of school fees are £2500 pcm on their own so I think she felt it innapropriate but she felt as skint as anyone else posting a diary.

Does anyone here recall a thread by a lady who had a household income of about 12k pcm?

I can't remember her name but she got a lot of flack and, sadly, left the board as her spending dilemmas were different to the majority but, to her, they were equally as important.

Basically, she was in debt and overspending and had decisions to make such as should she lay off her FT housekeeper who looked after her dogs, cut back on beauty treatments and so on.
Before she left she did say that her debt issues were the same as someones on a lower income as it was all relative but her SOA got a lot of critisism.

mum2one

LannieDuck wrote: »

You've been ill, my dear. Give yourself a bit of a break from the self-chastisement.

totally agree 100% there xx

fc123

https://forums.moneysavingexpert.com/discussion/1563577

DFW321 posted on it too so I have pasted the link here. I think her OH lost his business about post no 50.

AlexLK

lucielle wrote: »

Hi Alex, I've read your diary from start to finish and blow between 'he gets it' to completely flabbergasted.

Anyway please see my siggy as we have had an incredible amount of debt and scraped our way out of it whilst maintaining a family (there are 6 of us).

I hope you keep making progress, everyone has blips it just seems yours are quite expensive and not the odd bar of choccy (guilty) here and there.
L

Hello there,

Not sure how I can be so baffling to be honest, I thought I was quite clear in my posts. Perhaps, I need to review my written English.

You have indeed done well and well done for clearing the debts. How are you finding your new debt free life?

We are continually trying to make progress. Though a bit unsure about Mrs. K.'s idea of progress tonight as she brought son back and now has gone out with her brother, his wife and a few of ther friends into Nottingham.

Goldiegirl wrote: »

I think that's a good idea, but I'd also suggest that Alex finds diaries that are written by people in a similar situation / background / income to him, as it's easier to relate to people who you can identify with

However, Alex seems fairly unique round here, and I think that is what makes him so compelling and / or baffling, depending on your perspective!

Yes, you are right Goldiegirl, it is easier. I read quite a few things on here that I wish to respond to but do not for fear I am coming over as being insincere as to be honest, I cannot understand everybody.

It's the pens, isn't it? I actually still cannot believe how much attention they got during my early days on here!

mum2one wrote: »

Had to smile - in my previous life.. I worked in a supermarket and had to do a tannoy announcemnt - most days but this one ocassion it was rememberance day so it was posh - we're having 2 minutes silence, then thank you, did task, this customer who was by me, he said oh you have such a lovely tone, with that voice you should be on the radio...... then he follows it while with a body like ours our never be on TV......

x

:rotfl: but how rude!

AlexLK

fc123 wrote: »

Hey Alex, hope the cold is easing off...... I have been keeping up (just) with your diary and you are getting there in mindset (just ).

I was going to link to a huge thread written by a lady who has a high income, 2 kids in an expensive private school and a large, very nice house. I followed her thread start to finish and during that time her hubby lost his hedge fund business, had all sorts of work issues then took a job in Switzerland so they had to live apart for about a year.

They also owned a villa in Cyprus.

She ackowledged her 'shopaholicness' and sold a ton of stuff on Ebay to service the debts.
She deleted her 1st post but I will PM you the thread link as it was interesting though she didn't freeze any interest and they did clear the whole debt but mostly through selling their house when they all relocated to Switz.

She always refused to post an SOA, no doubt because their income was high (but their outgoings higher ) plus I know that just 2 sets of school fees are £2500 pcm on their own so I think she felt it innapropriate but she felt as skint as anyone else posting a diary.

Does anyone here recall a thread by a lady who had a household income of about 12k pcm?

I can't remember her name but she got a lot of flack and, sadly, left the board as her spending dilemmas were different to the majority but, to her, they were equally as important.

Basically, she was in debt and overspending and had decisions to make such as should she lay off her FT housekeeper who looked after her dogs, cut back on beauty treatments and so on.
Before she left she did say that her debt issues were the same as someones on a lower income as it was all relative but her SOA got a lot of critisism.

fc123 wrote: »

https://forums.moneysavingexpert.com/discussion/1563577

DFW321 posted on it too so I have pasted the link here. I think her OH lost his business about post no 50.

FC, you are back! How was your holiday?

I'm not sure about the cold easing off, these past few hours have been terrible. Hoping it goes soon though. I shall take a look, . It is very true that whilst I may not be quite so badly off as some on here, we are still finding it very hard and it's not as if we have a high income, merely an average one.

mum2one wrote: »

totally agree 100% there xx

fc123

AlexLK wrote: »

FC, you are back! How was your holiday?

I'm not sure about the cold easing off, these past few hours have been terrible. Hoping it goes soon though. I shall take a look, . It is very true that whilst I may not be quite so badly off as some on here, we are still finding it very hard and it's not as if we have a high income, merely an average one.

It was lovely thank you .

Funnily enough, we were thinking about the amount of holidays we had had by the time we were your age (32?) and it was only 2 (!).

It's all pro rata though isn't it?

We had debt of 160k and wiped it in under 5 years but we do have a high household income most of the time.
It's why the saving has been so 'satisfying' as we never had 'spare' to save before. School fees didn't help things.

It's the positive thing I wanted to get over to you to go with your LBM. The total freedom of having your own earnings in your hand to spend or save as you choose is a luxury in my view and it took us 27 years of graft to get there.....but it's sooooo worth it, trust me.

AlexLK

fc123 wrote: »

It was lovely thank you .

Funnily enough, we were thinking about the amount of holidays we had had by the time we were your age (32?) and it was only 2 (!).

It's all pro rata though isn't it?

We had debt of 160k and wiped it in under 5 years but we do have a high household income most of the time.
It's why the saving has been so 'satisfying' as we never had 'spare' to save before. School fees didn't help things.

It's the positive thing I wanted to get over to you to go with your LBM. The total freedom of having your own earnings in your hand to spend or save as you choose is a luxury in my view and it took us 27 years of graft to get there.....but it's sooooo worth it, trust me.

Wow, that's not a lot at all and yes I'm still 32 until the end of December. No longer looking forward to birthdays so I must be getting older. :rotfl:

I'm just reading the Poor Person diary, she's got awful writing. Mind that is the type of thing I notice. When I'm sure mine is not up to a decent standard, I at least apologise.

I still want to clear the debts and also get the mortgage paid off early afterwards. However, as I have been reminded this evening it is mostly not "my" money to do as I wish. Badly craving a drink in all honesty but I'll resist.

Certainly a luxury I do not have at the moment but strive to have in the future.