Reeling from the Reality Check

sugarbaby125

Historybuff wrote: »

Here we go. Have a pop, sugar. It's not his debt, it's mine and he bought the fireplace from his pension lump sum, which he is using to do up the house bit by bit. Anyone else want to have a go?

I was not having a go, just asking a perfectly valid question. I am a single parent and only became debt free this April. Even now, your husband is able to afford to spend more freely than I can on the salary of a full time job. I still continue to take the MSE Mantra to heart and it keeps me on track. I could afford to splash out for my 3 adult children and my 1 teenage son and my 4 grandchildren, but prefer to watch my savings grow. I have had so many knocks this year, but each time, I pick myself up, dust myself down and keep going, being debt free only means no financial issues, all the other bad stuff can and still does happen to those of us who are debt free, so for all of you willing to have your say about my comment, do not presume!

midlander81

Hi HB,


Sorry to hear that things have been difficult recently. My situation is very similar to yours in the sense that I deal with the debt repayment and whilst my wife knows that we have a lot of debt, it's not something that we talk about and she doesn't know the grand total, just that it's more than 30K!!


Like others have said, we all have different ways of dealing with our debts and what works for one couple wouldn't necessarily work for another. I know that our lives would be far more difficult if we were having daily debt updates and big conversations over how much we owe and what we should and shouldn't be spending etc etc. That would actually cause me more stress than the debt itself!!!


We are dealing with our debts and they are reducing so that is the main thing.


I hope that you manage to get some rest over Christmas. Take care.

Brogden

midlander81 wrote: »

Hi HB,


Sorry to hear that things have been difficult recently. My situation is very similar to yours in the sense that I deal with the debt repayment and whilst my wife knows that we have a lot of debt, it's not something that we talk about and she doesn't know the grand total, just that it's more than 30K!!


Like others have said, we all have different ways of dealing with our debts and what works for one couple wouldn't necessarily work for another. I know that our lives would be far more difficult if we were having daily debt updates and big conversations over how much we owe and what we should and shouldn't be spending etc etc. That would actually cause me more stress than the debt itself!!!


We are dealing with our debts and they are reducing so that is the main thing.


I hope that you manage to get some rest over Christmas. Take care.

I am exactly the same Midlander. I don't think I should need to be but..... obviously we are all very nice people indeed :rotfl:!!!!

The reward comes in Heaven :cool:!!

Brogden.

Historybuff

Thanks, Midlander and Brogden, at least the debt total is going down and that is the main thing as you say. We all deal with things according to how it works best for us. Had a decent day today. OH finished the room, got it all cleaned and the tree up whilst I helped out DD on the stall. Sold some of my stuff and made £35, so went and got a shed load of veg etc for a tenner off the market and have cooked up a massive casserole with some of the meat OH got cheap at the end of the day yesterday. DS tidied and cleaned all the upstairs today too, so I don't have to start from scratch tomorrow, just get right on with the cleaning. Home will be all done by the end of tomorrow, then DS back with girlfriend on Mon and I go do the shopping on Tues. Making a list, so I don't go into panic buy mode. I've decided I'm going to get what I can free off DD stall and the rest I will get from one of the supermarkets. I have £25 left from what I sold today, so going to try to make that the start of the buffer fund. Putting it in the signature to make a start.

Historybuff

So It's all systems go for the present and food shopping tomorrow...payday! I'm aiming to do it all for around £350. That's the food and presents...all of it. Considering last year I spent more than £500 on the food shopping alone and around another £400 on presents it will be a magnificent achievement if I can do it...I'll let you know how I get on. Having a little glass of Sauvignon left over from the other weekend while I do the list. Saving on the fuel bill over the next couple of weeks, so that should help me stay solvent to Jan payday. Going to keep to the list and look out for bargains.

wantabetterlife

Good luck with the shopping tomorrow HB...I think writing a list with prices beside it is the best way to remain focused so you are doing great.

Brogden

Historybuff wrote: »

So It's all systems go for the present and food shopping tomorrow...payday! I'm aiming to do it all for around £350. That's the food and presents...all of it. Considering last year I spent more than £500 on the food shopping alone and around another £400 on presents it will be a magnificent achievement if I can do it...I'll let you know how I get on. Having a little glass of Sauvignon left over from the other weekend while I do the list. Saving on the fuel bill over the next couple of weeks, so that should help me stay solvent to Jan payday. Going to keep to the list and look out for bargains.

Well done HB - I'm saving on fuel big style as I am off until 5th January! It makes such a difference. I have done most of the spending today and its going to be tight when I get past New Year but with a timely expenses sign off I should be OK.

Pour a little into my glass m'dear :rotfl:!!

Brogden x

Historybuff

Thanks guys. Cheers, Brogden! I really am psyching myself up. I hate the shopping n all that.

in_need_of_direction

There are quite a few sales out there. Best of luck.

Puzzcat

Good luck today hb with your shopping. Xxx