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

gallygirl

Orange_Ena wrote: »

Haha I'll get my screwdriver and my very girly DIY apron then

You have a girly DIY apron??????

Want one, want one, want one, want one

maddiemay

AlexLK wrote: »

mum2one: Really not the time financial or otherwise to be honest. Maybe when our son is settled in school in a few years time, I'll perhaps look at doing something scholarly with the music part time.

Wow, you ended up doing a lot of subjects!

Fingers crossed I'll have something positive to report with the debts on Monday, already feeling a bit apprehensive about those phone calls.

Hi there, I have been lurking around here since you started your thread, have not felt that I had anything to add to the very good advice, support and good humour that has been coming your way, except.........

Reference "the calls" to be made on Monday, you have been given some pointers about what to say and what NOT to agree to, how about you write out (with one of your lovely pens)/type, in VERY large letters some to the things that you should be saying, and in a different colour and perhaps even LARGER letters, the things that you must not let them persuade you into. After all, the people in the call and sales centres work to the prompts on their screens, that is why it is like banging head against brick wall trying to have a proper conversation, particularly if our queries are not on their script:rotfl:

You have come such a long way in a week, well done:A (even if you do not think so).

AlexLK

maddiemay: Thank you for your advice, I was already thinking of doing that , so that's one task for this afternoon.

Not long before we head over to the parent's for Sunday dinner, Mrs. K. thinks we ought to tell them about our current money problems, I don't.

maddiemay

AlexLK wrote: »

maddiemay: Thank you for your advice, I was already thinking of doing that , so that's one task for this afternoon.

Not long before we head over to the parent's for Sunday dinner, Mrs. K. thinks we ought to tell them about our current money problems, I don't.

Since you are not in accord over this, does it have to be today?
much thought and discussion on plusses and minuses me thinks, what would you gain from telling them, what would you loose, would there be any gains for them if they know the true position.
Good luck and enjoy your time with them.

littlegreenparrot

Hope you had a lovely lunch

I was glad to hear a few posts back that you feel that perhaps you should grow up a bit. I was thinking that

To be honest when one is in this position (I speak for myself as well) what one wants becomes irrelevant. We all need shelter, warmth, food and drink (we can argue over the necessary alcoholic content!) Nice things, clothes, holidays etc are not an option, we just have to get over it. And thats fine, people did without it for hundreds of years, and most do still around the world. Doesn't mean I always find it easy though!

Tip for not being overwhelmed - make a list, give yourself SMART targets (Specific, measurable, achievable, realistic, timely).
that way you can keep track, give yourself credit for what you've achieved, and split up the 'nasties'

Write it in your lovely diary, and give yourself some big ticks/gold stars (if it's a really bad day I start the list with things I've already done :rotfl:)

AlexLK

maddiemay: Mrs. K. was basically hoping for some free money ... . We agreed not to say anything for the time being.

littlegreenparrot: Thank you for your post. Today has been a good one. We had a nice lunch followed by (another) family walk. Mrs. K. and I have talked more this week than we had in a long time which we are both pleased about. I did wonder this time last week if my marriage were on the rocks.

Some good news on the money front (even though it is a Sunday), I knocked my phone contract down to £10 per month from £20 and we did a grocery shop for £14.57 (was at the supermarket today). Another week of shopping daily for food to come and two pens are scheduled to start on eBay this evening.

HOK3Y

Really thrilled for you Alex - your life and your outlook has done a complete 180 in this last week. So pleased you and Mrs K are united and stronger than ever before. Keep going, keep going!

mum2one

glad u had a good day 2day, youve achieved so much in a week, good luck 2mor, dont worry if you dont get a home score the 1st time. x

patanne

I'm glad you didn't tell your parents today, even though it must have been a temptation. But you don't need the knock to your self-esteem that there would have been if you had felt that you were telling them and you were also holding out the begging bowl. Why not wait to tell them until you are over the hump and can say yes we had a problem but we sorted it ourselves. Better to have a win win situation than a lose lose one. So basically go you!!

AlexLK

Here goes: (Sorry in advance as this is exceedingly boring tonight!)

Sunday 8th September, 2013.
Day 7.

Dear Diary,

Today has been quiet and bereft of any heartache, thank goodness. However, that also means I am having a hard time reporting anything particularly interesting to this diary, so in this entry you shall hear about: my mother's cooking, New-Years Eve, a family walk as well as a little money saving.

Sunday dinner has been held at my parent's house for longer than I care to remember and I hope this tradition shall continue for many years to come. Though, as everything in my life there always has to be a sticking point, my major gripe with lunch at the parents being the fact my mother appears unable to cook any other meat than beef; except if it is Christmas Day of course, then we have turkey. My wife and I have had enough beef on Sundays to last a lifetime, still I shouldn't complain as this free meal is great value from a money saving prospective. Over dinner we were also informed of our New Years Eve plans; apparently fancy dress at some farm, so I'll be sure to let you all know the theme in order for you to offer your suggestions to Mrs. K. and I.

My parents happened to accidentally throw fuel to the fire with comments of how well my three cousins are doing on mother's side of the family whilst I am sat, smiling sweetly whilst gritting my teeth, upon hearing about how everybody in the family seemed to be considerably better off than I. At least father had me join him for an after dinner liquor laced coffee.

However, on a positive note debt busting has been going exceedingly well today due to a few small victories consisting of sticking by our list in the supermarket, a few bits going live on eBay and me cutting my mobile phone bill in half, downgrading my contract. Tomorrow is a big day for me though, as I am going to be contacting my creditors thus anxiety has been slowly creeping up these past few hours. Just hoping that brisk walk we had around Matlock Bath and my evening glass of wine I saved from yesterday will help me to drift off later on.

Summary:
+ £10.00 per month saved on phone contract.
-£14.57 Groceries.

Yours Faithfully,
Alex.