Reeling from the Reality Check

Historybuff

Yes, Brogden! I see your thinking. Obviously the predators want you to pay as much as possible, but actually lowering payments, trying to save, then doing F and Fs would, hopefully get the debts paid off a lot sooner. Part of me is thinking I built up the debt, I should pay it all off, but actually, the large bulk of the horrendous amount is years and years of interest on interest because I could only ever afford to pay the minimum amount. Stupid and ridiculous I know, but that's how the debts got built up so high. I'm definitely going to try to lower the amounts when the next reviews come up in Feb. If only to make life a bit more bearable. And I will be getting right back into the budgeting.
Copperjar made a good point when he/she said that I'm trying to do too much at once. I know I am, but so want to get rid of the debts asap. Anyway, it's Friday - time for a little drink. Cheers all X

Brogden

Historybuff wrote: »

Yes, Brogden! I see your thinking. Obviously the predators want you to pay as much as possible, but actually lowering payments, trying to save, then doing F and Fs would, hopefully get the debts paid off a lot sooner. Part of me is thinking I built up the debt, I should pay it all off, but actually, the large bulk of the horrendous amount is years and years of interest on interest because I could only ever afford to pay the minimum amount. Stupid and ridiculous I know, but that's how the debts got built up so high. I'm definitely going to try to lower the amounts when the next reviews come up in Feb. If only to make life a bit more bearable. And I will be getting right back into the budgeting.
Copperjar made a good point when he/she said that I'm trying to do too much at once. I know I am, but so want to get rid of the debts asap. Anyway, it's Friday - time for a little drink. Cheers all X

HB - I read my post then and thought it sounded so 'up myself.'

All I was trying to say is that I am taking them all on next year and I'll let you know how it goes. I am sure I am right - I have letters just landed out of the blue a while ago offering 40% settlements which would seem to prove the point but I will push those a bit harder :) !!

Brogden x

Historybuff

Hope it works, Brogden. Felt well out of it today. Everyone rushing round spending like crazy and me there spending nothing. Still don't know what I will do about Christmas. I will prob have to wait till 23rd when I get paid, but look on the bright side, loads of bargains and cut price stuff by then, though!

midlander81

Historybuff wrote: »

Hope it works, Brogden. Felt well out of it today. Everyone rushing round spending like crazy and me there spending nothing. Still don't know what I will do about Christmas. I will prob have to wait till 23rd when I get paid, but look on the bright side, loads of bargains and cut price stuff by then, though!

Hi Historybuff,


I wonder how many of those people that you saw spending like crazy could do with taking a leaf out your book and dealing with their finances!!!! Last year I was spending like crazy... all on my credit card. This year has been different and it has been quite liberating to not equate a good Christmas with a massive overspend! I reckon I spent £500 on food last December for a family of 3!!!


I bet you will get loads of discounted presents on the 23rd/24th.


I often read your diary when I am on here and you have made amazing progress!

Brogden

Historybuff wrote: »

Hope it works, Brogden. Felt well out of it today. Everyone rushing round spending like crazy and me there spending nothing. Still don't know what I will do about Christmas. I will prob have to wait till 23rd when I get paid, but look on the bright side, loads of bargains and cut price stuff by then, though!

A good point made by Midlander!

I honestly don't think any of it is worth the bother.....Christmas that is! An awful atmosphere here and it wouldn't be as bad as this if Christmas wasn't on the way!

I'm just looking forward to next year and trying to get some debt sorted !!

Brogden x

Historybuff

Thanks midlander and Brogden. Hope things start looking up soon B. I am a little bit 'Bah, Humbug!' myself, but, heyho, it has to be done. Just cooking some pasta with whatever I can find in the kitchen and can't believe I got so excited because I found a couple of peppers, a courgette and some mushrooms in the fridge! And a little bit of Lurpak left over from last weekend for the pasta. No cheese, alas! But what more could I ask! Going to settle down to a quiet relaxing evening with Strictly and X Factor with no interruptions! Might finish off the bottle of Sauvignon as well. Ahh!

Historybuff

Forgot to say son came in to find me washing the sauce off this morning's baked beans to add to the pasta sauce...waste not want not! A tip from the Girl Called Jack!

Eager_Elephant

Historybuff wrote: »

Forgot to say son came in to find me washing the sauce off this morning's baked beans to add to the pasta sauce...waste not want not! A tip from the Girl Called Jack!

I just use the sauce as well - adds that extra tomato flavour.


My new recipe is chilli con carne but with baked beans instead of kidney beans!!


Too be fair I usually go through the cupboards and chuck any old thing in:rotfl:

Historybuff

So, on the last lap till I finish work for Christmas with the grand total of £2.30 in my purse and nothing in the bank till 23rd Dec. DD is going to have to come up with £100 by Thurs. I've done all I can to help, she has got to sell, sell, sell now. Tin of soup for tea tonight. Pasta tomorrow with the remains of the veg from the other day. Fish from the freezer on Weds, then works do on Thurs...if DD comes up with the cash that is. I've got the secret Santa present for nothing from the stall. Still no other presents bought, obviously, but DD is going to buy her own and I will deduct the amount from the total she owes me. Saves me paying out anymore.
Not in till late tonight, so house is a tip. OH back tomorrow, so hopefully front room at least will get finished off by the end of the week. Fireplace not delivered the other day and is coming on Weds. I will aim to have the tree up by Sat.

Historybuff

Hoping I get paid early this Friday...