I've had the worst of times - now for the BEST of times!

supersaver1000

Wow. I'm impressed. Go P&F :T:T:T:T

Enjoying_life_more

Brilliant and well done you!!!!:beer: We must be similar aged as I too have had credit that long - "buy now pay later" has been the story of my life for too many years but and I really mean this I feel happier now that I am dealing with the "pay later" bit than i have in a long time.

peaceandfreedom

Well, I've had a very busy day and got most of my jobs done - just the ironing to do but I think that can wait until tomorrow as I'm a bit knackered now.

As well as all the housekeeping jobs, I also did an excellent bit of decluttering on an area that has been annoying me for quite some time. :T

And I made a lovely bread pudding out of some almost-stale bread. Am about to have a bit with a nice cup of tea. :coffee:

There's still some housework to do tomorrow but not too much. Lots of other stuff to do though.

peaceandfreedom

Enjoying_life_more wrote: »

Brilliant and well done you!!!!:beer: We must be similar aged as I too have had credit that long - "buy now pay later" has been the story of my life for too many years but and I really mean this I feel happier now that I am dealing with the "pay later" bit than i have in a long time.

Me too. There is something very satisfying in actually saving for something (or doing without something) rather than sticking it on a credit card. I've been much better in recent years at saying 'no' to excess spending but I needed to take the step of actually getting rid of the card, otherwise it will always be there as a fall-back.

This is why I've spent so much time coming up with a savings plan - I need to have the money saved to cover expenses rather than reaching for a bit of plastic.

tattycath

peaceandfreedom wrote: »

Me too. There is something very satisfying in actually saving for something (or doing without something) rather than sticking it on a credit card. I've been much better in recent years at saying 'no' to excess spending but I needed to take the step of actually getting rid of the card, otherwise it will always be there as a fall-back.

This is why I've spent so much time coming up with a savings plan - I need to have the money saved to cover expenses rather than reaching for a bit of plastic.

:T that's brilliant peaceandfreedom.
I haven't had a credit card for several years either. I either save for things or don't have them-apart from my catalogue.
I have ordered on buy now pay later-but I always pay it before interest charges apply.
This year I am paying off my catalogue in total and getting rid of it full stop!
This is partly why I'm saving as much as I can. New kitchen and bathroom won't pay for themselves...along with all the other jobs that need/we would like doing.

peaceandfreedom

tattycath wrote: »

:T that's brilliant peaceandfreedom.
I haven't had a credit card for several years either. I either save for things or don't have them-apart from my catalogue.
I have ordered on buy now pay later-but I always pay it before interest charges apply.
This year I am paying off my catalogue in total and getting rid of it full stop!
This is partly why I'm saving as much as I can. New kitchen and bathroom won't pay for themselves...along with all the other jobs that need/we would like doing.

Thanks for the encouragement, TC, I need it.

We have so much that needs to be done around the house and it's all going to have to be done on a shoestring. Luckily, in the past few years I have become rather good at doing stuff cheaply but nicely - it's just matter of a) doing most of it yourself where possible and b) getting hold of good quality second-hand stuff that can be used as-is or refurbished cheaply.

I am starting inside with the utility-room - almost all this can be done by me, the exception being a new tiled floor. Still figuring out how I can manage that part of it but as a temporary measure I might just buy some matting.

Lots to think about but I'll get there.

DedicatedDFW

Hi p&f,

Hope you've had a nice day today after such a productive day yesterday?

I agree about the savings - although i've not been able to add to them for a bit i am really enjoying saving for the jobs that need doing - it takes some of the worry away as i am actively doing something about it - if that makes sense?

peaceandfreedom

DedicatedDFW wrote: »

Hi p&f,

Hope you've had a nice day today after such a productive day yesterday?

I agree about the savings - although i've not been able to add to them for a bit i am really enjoying saving for the jobs that need doing - it takes some of the worry away as i am actively doing something about it - if that makes sense?

It does make sense, DDFW. I am often rather embarrassed about the state of our house but I am trying to something about it and that's all I can do right now. I can't go back in time. Oh how I wish I could, there's so many things I would change.

But one can't live one's life in a smog of regret - just keep on moving forwards based on the situation now - I've decided that everything will work out alright in the end.

My day today - well it just kind of disappeared. I did finally get around to doing a bit of food shopping and some DIY shopping. Kept to a very strict budget and was very proud of myself actually.:A

Apart from cooking tea and a few other extra bits of cooking, I don't seem to have achieved a lot else. Oh well, days happen like that sometimes.

Now I'm going to have a nice cup of tea and do a bit of (billable) freelance work. :coffee:

brizzledfw

Sorry you've been low P&F...wonder if there is something going about? Lots of us feeling like this...hmm. Great to declutter and have a plan to get straight, housework wise. We need to do some more decluttering, it is good for the soul I think...less stuff leads to a saner, clearer mind. I know I need that at any rate :rotfl:

Snipping up the 'safety net' credit card is a great move. I am keeping one...I use it for the points..and now pay it off every month before it earns interest. Important not to let it run away though..and in my case the OD is the big risk...that has crept up by quite a bit earlier this year and I had to really concentrate to get it obliterated again... Oh well, it will be a good discipline I think.

Have a good eve x

peaceandfreedom

brizzledfw wrote: »

Sorry you've been low P&F...wonder if there is something going about? Lots of us feeling like this...hmm. Great to declutter and have a plan to get straight, housework wise. We need to do some more decluttering, it is good for the soul I think...less stuff leads to a saner, clearer mind. I know I need that at any rate :rotfl:

There is a lot of bugs about lately, I think I've shaken mine off now.

So true about the decluttering - there is nothing more satsifying than offloading a pile of stuff to the tip - or handing over some bags of stuff to the charity shop. Of course, it's even better decluttering via ebay sales but just getting the stuff out of the house is a bonus.

brizzledfw wrote: »

Snipping up the 'safety net' credit card is a great move. I am keeping one...I use it for the points..and now pay it off every month before it earns interest. Important not to let it run away though..and in my case the OD is the big risk...that has crept up by quite a bit earlier this year and I had to really concentrate to get it obliterated again... Oh well, it will be a good discipline I think.Have a good eve x

Thanks Brizzled, I used to keep my card 'for emergencies' - seems like I have a lot of emergencies. If I do get another one, I am going to do the 'wrap in plastic, immerse in water and freeze' method but I'm planning to do without for the forseeable future. I can't be trusted.