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

cottage_retreatist

haha! Alex sorry - a watch! but still!! :eek:

I hope you can see how lucky you are that you have a pre-prepared 'back-up' for yourself in all these car bonnets, watches and pens! Make use of them - please! Because a bank balance in the black is worth much more than an item you might look at once a year for 5 minutes - it always hurts, but you get over it much quicker than if a member of your family left.

PS - I've got OCD so all my surfaces are super tidy!!! My OH hates it! I even tidy up his mugs etc while he is still drinking because I don't like the 'clutter' on the coffee table!! I'm sure you're house isn't as mad as you're making it out to be but you're giving me heart palpitations!!!! Images of over-full drawers bursting open and clothes piled on chairs etc :rotfl::rotfl:

heartbreak_star

AlexLK wrote: »

:rotfl:

No, I don't want them coming in, no way on this earth... and as nice as you seem to be I don't think I want you turning up on my front door step telling me to get rid of my stuff either , you may come for a cup of coffee though.

Hurrah! Thank you very much, I scored for a coffee :beer:

Well if me or Auntie Beeb can't do it, you're going to have to

HBS x

AlexLK

LannieDuck wrote: »

Wow... get that car bonnet sold and put towards your debts. Why are you agonizing over your pen collection when you have things you're much less emotionally attached to that you could sell?

If you still have debt after that, you'll have to revisit the pens. But if you've got as much other valuable stuff as it sounds like you have, you may be able to avoid selling them all.

Alternatively... that £1000 car bonnet could pay for a couple of month's nursery for your son.

Honestly, because sorting through it is going to be a nightmare.

heartbreak_star wrote: »

Oh, so I shouldn't mention half my Christmas shopping is done?

I like to plan early...

HBS x

Eeeew, I don't even like Christmas. Doesn't help that my birthday is on the 28th December (you guys all know I like nice pens ... ).

AlexLK

cottage_retreatist wrote: »

haha! Alex sorry - a watch! but still!! :eek:

I hope you can see how lucky you are that you have a pre-prepared 'back-up' for yourself in all these car bonnets, watches and pens! Make use of them - please! Because a bank balance in the black is worth much more than an item you might look at once a year for 5 minutes - it always hurts, but you get over it much quicker than if a member of your family left.

PS - I've got OCD so all my surfaces are super tidy!!! My OH hates it! I even tidy up his mugs etc while he is still drinking because I don't like the 'clutter' on the coffee table!! I'm sure you're house isn't as mad as you're making it out to be but you're giving me heart palpitations!!!! Images of over-full drawers bursting open and clothes piled on chairs etc :rotfl::rotfl:

heartbreak_star wrote: »

Hurrah! Thank you very much, I scored for a coffee :beer:

Well if me or Auntie Beeb can't do it, you're going to have to

HBS x

I didn't really think I differed from anybody else.

Anytime, dear. However, I must admit we have instant coffee here because neither my wife nor I can be bothered with nice coffee and home made cakes .... now where is DFW321 when you need her?

As for my house no it's not dirty. However, it is quite untidy. We do have two "tidy rooms": the "living room" (never know what to call that) and my music room. Those are the ones we swap the furniture into to "show it off", pupils have already commented on how nice some of my things are.

heartbreak_star

Seriously the secret to sorting is manageable chunks, unless you want to chuck the whole lot in a skip. The problem is when you keep acquiring stuff, but never get rid of any - that's when collecting becomes hoarding!

One cupboard at a time. 2 drawers at a time. Half a garage or shed..

(Can you tell I've done this before? )

ETA: I'll bring home-made cakes. Very MSE

HBS x

LannieDuck

AlexLK wrote: »

Honestly, because sorting through it is going to be a nightmare.

As Hearbreak says - a bit at a time really isn't too bad. Put aside half a day each weekend and you'll be done in no time. You'll need Mrs K involved too so she can say 'yes' or 'no' to her things.

And is sorting it out going to be worse than putting your pen collection up for sale? At this point it pretty much seems to be one or the other...

cottage_retreatist

you sound like you have a lovely home Alex!

Untidy is what I can't stand!!!! I'm a superficial tidier!!!! So long as the surfaces are clear of items I'm happy!!! hehehehehe!!! (shhh - let's keep that to ourselves!!)

I love clearing out boxes etc - only the other day I found all my PPI paperwork while tidying out a giant 5 plastic bags of unshredded paperwork! I've just sent off the claim form today! So a unclutter here and there can have benefits!!!!

Aamberle

Hi Alex,

I have been reading your diary from the beginning - but have been lurking in the background.:rotfl: That always to me sounds so dodgy..anyway ..

I just wanted to say well done on how far you have come- I cant really add much to what the others have said, as they have said pretty much everything I would like to say..

I would just add - with regards to the car stuff that is just sitting there - maybe that is your next focus to sell. If you wont use it as you do not have the car anymore - it should be for you quite an easy sell. Maybe list 1 part a day so you can still have loads of time to spend with Mrs and Little K.
Enjoy your afternoon - I hope it is better weather than we have here - it is pouring with rain..

Anyway off back to the shadows - And again Well Done you are doing amazingly well. X

Mrs K - If you reading this, we will eventually have him de-cluttering everywhere it will just take some time, and a lot more encouragement :rotfl:

wegle

AlexLK wrote: »

I'm not quite sure what to say to this as I cannot even begin to imagine having so little around me.

I must say when answering others on this board I have presumed like me they have got into debt by over spending and under earning. I have presumed most could clear their debts (and unpaid utility bills, which seems to be common on here) by selling a few of their possessions or starting up a little business.

Everyone's situation is different. I've never been overly concerned with the material things in life, most of my debt (which is thankfully relatively small), was spent trying to help other people in my life and start over when things went bad.

You say you can't imagine having so little? What makes you think I have so little just because the value of those items is low? I live in a nice two bedroom house with a garden, we have all the furniture that would typically fill such a home, we have a dog, we have 2 cars, we have 2 televisions, 2 bikes, a lawnmower etc etc. Just because we bought most of these things second hand doesn't mean they function any well less or are 'not as good'. Our sofa we bought from an advert in the newspaper for £20!! And because we offered to collect it the guy threw in his gas BBQ for free! Had that sofa 4 years now and not looking to replace it any time soon and the BBQ cooks a sausage just as good as the £300 ones I've seen in the garden centre!

With clearing out your clutter, just take it slowly. I do 5 items a weekend for ebay. Admittedly all my stuff I'm selling is complete tat so sometimes I'll only make £5 in a week, but it's £5 more than I had before and I have less stuff cluttering the spare room! :T

Come on Alex! :T If those of us out there who haven't got any 'nice' things can do it, then so can you! :j

debtfreewannabe321

Wowsers, by the sound of it young Alex you could have your debt paid off by getting rid of a few handfuls of things! Seriously, as everyone else has pointed out they are just 'things' they won't be the things that matter to you on your deathbed, it will be people, memories ...I can't imagine you laying there going on about a watch or pen ...no matter how pretty it is! Sell it all! Get debt-free and then sell some more and watch your savings grow! I've been in the situation like a few others on here where I was selling old toys, clothes, anything not nailed down just so I had money to eat or pay the heating bill. You are most definitely in a good position whether you realise it or not and you should make good use of it! You can only wear one watch and use one pen at a time. Keep the favourites and sell the rest!