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Giblet's debt free journey
Comments
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To be honest, I could also rename it "accidental yoga" :rotfl:Debt remaining:

Mortgage - £117,759 (£134,600, Nov 2013)
Work overpayment and home improvement loan paid back (£19200) :beer:
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Hi there, sound like a lovely Saturday you have planned.
I enjoy a bit of window shopping - I also have a fairly spendoholic friend, and I find watching her shop is also entertaining !
A few years ago, I used to do the whole shopping as entertainment thing, but I've changed a lot recently. I find I don't need 'things' as much.
Have a lovely dayEarly retired - 18th December 2014
If your dreams don't scare you, they're not big enough0 -
Giblet its such a pleasure to know you are there, it really cheers me up and as you know I have been very down at times over the last few months. Thank you for putting up with the moany times.
Sorry to hear OH is going through something very similar to my predicament. I'd have a weekend and think 'I can do it' then someone would rain on my fireworks fairly soon into the new week. My OH has been through similar but he's got out the other side fairly unscathed, but he has a different temperament to me and is a big bloke so I think the little weedy toads who were making my life a misery would have thought twice about it with OH as he would be inclined to lump them.
My biggest fear was not having any income at all as I was in an 'extended probation' however what they had extended my probation for wasn't clear, and then it became clear it they were listening to tittle tattle. Its no wonder I was very confused. Unfortunately I didn't have the strength of mind to say 'listen here you weedy toads, stop messing me around and lets get on with business'. That was because I was too hung up on being fired and felt cornered. In hindsight I would have asked to reduce my hours, because an extra day off would have given me extra time to recover and the money could have paid for someone else to do some of my work - not sure whether that would have worked and I may have tried it, but the other offer came up and I jumped ship.
When I left the job I bet there were more than 97 sections but I just left a list of what I hadn't done - they'd worn me out and I owed them nothing (which is not like me at all - I'm more like you were - sneaking back to get them done).
Have a lovely Saturday - it sounds fab, window shopping is my favourite - as is coming back with scraps of fabric and paint cards (I'm a saddo its official).
I'm looking forward to your DVD too :rotfl:OSWL (start 13st) by 30Jun20 6/10
£1/day Xmas'20-62 £214/£366 saved
Grocery Challenge Jun £742/£320 spentHomeowner wannabe by July 2020 - WooHoo!!
Starter Emergency Fund £1000/£1000 saved0 -
Hey guys,
Lovely to hear from you.
It was a nice day thanks Goldie - didn't buy anything although did treat myself to extra hot drinks with breakfast (perhaps £30 total spend max on DH and I including treating a friend to coffee earlier in the day), but managed to collect £60 + worth of Boots points from him as he doesn't have an advantage card
I agree re: shopping. I need new clothes / shoes and so does DH but we both HATE it so much they are now falling apart. I love food shopping tho. Probably why I'm 9 stone overweight lol
Also went shopping (groceries) and spent £34, but was given some chicken and turkey (about £8 worth) in return for £3 worth of cakes and sweetners by my parents. All in all, not too bad a day.
Supersaver - what a lovely thing to say thank you! It certainly cheers me up 'speaking' with you too, and I'm happy to listen, anytime. You don't moan!
I'm really sorry to hear that about the job - must have been so stressful with that awful bullying (nasty articles that they are). I'm so glad that you've found something better, even if it has taken time to get over that experience. I hope you don't mind but I've been relaying the gist of the situation to DH. I do worry about losing his wage (nearly £1200 per month!!!!) but if we cut right back to basics, we should be able to survive. We've done it once before (with slightly lower outgoings) when he finished Uni, and I was still doing my doctorate, so I'm sure we can manage now I'm earning a bit more. The financials will tell. We may have a look at it later, depending on the time.
Well....not sure if any work shall be done this evening. Currently got a turkey rogan josh cooking away (not sure it that'll work but worth a try with 'free' turkey). Also got to clean up the 'house sitting' house for the owners who return tomorrow. I'll miss 'the animal' but not the early mornings, and even if it is a building site, there is no place like home :rotfl:
Laters..... xDebt remaining:
Mortgage - £117,759 (£134,600, Nov 2013)
Work overpayment and home improvement loan paid back (£19200) :beer:
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I'm sorry to hear about everyone's work troubles in this thread.
But I am loving the gib exercise.
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Cheers KP - first 100 to sign up for an advance copy of the DVD get a free box of plasters, and a tube of Voltarol
x Debt remaining:
Mortgage - £117,759 (£134,600, Nov 2013)
Work overpayment and home improvement loan paid back (£19200) :beer:
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Hi Gib, no of course I absolutely don't mind. I was lucky (I think) to have an escape route pop up. It's a 12 month contract so will have to see. I'm not sure where I'll be next year - and there are some people having real difficulties. Tell him it is definitely important to try to find something else first. But I really hope it all works out.
But I'm.much better everyday for being out of it. I had a fab day today and enjoyed cooking and even cleaning!
Hope your curry was good and you had a lovely evening.
Sending positive vibes and hugs xOSWL (start 13st) by 30Jun20 6/10
£1/day Xmas'20-62 £214/£366 saved
Grocery Challenge Jun £742/£320 spentHomeowner wannabe by July 2020 - WooHoo!!
Starter Emergency Fund £1000/£1000 saved0 -
Hey Gib,
How are those advance orders going? I have a few hints for exercises you could include, having 5 cavvies in da house means I am always having to do some weird body contortions to step over/around* (*delete as appropriate), I'm surprised I haven't done myself a mischief personally.
Hope OH is bearing up, here's a virtual hug for him from all of us :grouphug:
Supersaver...hope that job is working out for you.
DM
xI feel like a Pelican - everywhere I look there's a bill staring at me!LBM: March 2014 Current CC debt: £2048.29/£3666.53 (55.86% repaid) Current Challenges:Tilly Tidy: £2087.67/£2500 (83.50%) 3 to 6 month emergency fund #75: £3653.62/£6000 (60.89%)0 -
Hi Gib :wave:
Glad to hear you had a nice day yesterday....hopefully no more gymnastics for you!!
I'm really sorry to hear about all the carp your dh is going through at the moment
Personally, I would say walk away...I have done it myself on several occasions - life is just too short to be unhappy and something always turns up....I think I have left three jobs in the past ten years with nothing else to go to and they have always been the best decisions I have made - no amount of money is worth being miserable for. Seriously, I would rather lose everything I have and live in a box than put myself through the soul destroying desperation of 40hrs of misery a week.....it's insidious by nature and affects everything else in your life - it's just not worth the pain _pale_
My dh went through a similar thing about 13 years ago....I insisted that he threw the job in (and he was the only one working at the time as I had started a business and was earning no money from it) and he was on a six figure salary at the time!!:eek: Yes, it was a really tough time - we were literally 24hrs away from filing for bankruptcy and losing the house, we had debts of around 65k because we had been living to/above the income we had and stuck loads of stuff on credit while we saved a massive amount for the holiday of a lifetime and basically we had no sense that it could all fall apart one day.....when it did - we dealt with it. He had time to recover, I got a minimum wage job for a while, dealt with all the creditors and he eventually went to work for minimum wage too....however, he was back to being the person he was before it all started and it was worth every sacrifice and worry about money we had...
Things have turned around a lot - we are both on decent salaries, paying off the mortgage and have either cleared or got the other debts on zero interest and will pay those off when the mortgage is gone.....but the main thing is - we are happy - stressed some of the time of course (it's called work for a reason!!;)) but I would never put financial security above mental wellbeing...it's just not worth it...
Sorry, that turned into a bit of an epic post - just wanted to let you know that you are not alone
Mortgage 12.12.12 £55842 12.12.13 £42716 14.12.14 £28837 13.12.15 £25913
Mortgage OP £50/£600 House Fund £420/£50000 -
icontinuetodream wrote: »Hi Gib :wave:
Glad to hear you had a nice day yesterday....hopefully no more gymnastics for you!!
I'm really sorry to hear about all the carp your dh is going through at the moment
Personally, I would say walk away...I have done it myself on several occasions - life is just too short to be unhappy and something always turns up....I think I have left three jobs in the past ten years with nothing else to go to and they have always been the best decisions I have made - no amount of money is worth being miserable for. Seriously, I would rather lose everything I have and live in a box than put myself through the soul destroying desperation of 40hrs of misery a week.....it's insidious by nature and affects everything else in your life - it's just not worth the pain _pale_
My dh went through a similar thing about 13 years ago....I insisted that he threw the job in (and he was the only one working at the time as I had started a business and was earning no money from it) and he was on a six figure salary at the time!!:eek: Yes, it was a really tough time - we were literally 24hrs away from filing for bankruptcy and losing the house, we had debts of around 65k because we had been living to/above the income we had and stuck loads of stuff on credit while we saved a massive amount for the holiday of a lifetime and basically we had no sense that it could all fall apart one day.....when it did - we dealt with it. He had time to recover, I got a minimum wage job for a while, dealt with all the creditors and he eventually went to work for minimum wage too....however, he was back to being the person he was before it all started and it was worth every sacrifice and worry about money we had...
Things have turned around a lot - we are both on decent salaries, paying off the mortgage and have either cleared or got the other debts on zero interest and will pay those off when the mortgage is gone.....but the main thing is - we are happy - stressed some of the time of course (it's called work for a reason!!;)) but I would never put financial security above mental wellbeing...it's just not worth it...
Sorry, that turned into a bit of an epic post - just wanted to let you know that you are not alone
Love your epic post. Says to me I did the right thing, I hope it helps Gib.
I am getting 'myself' back. I've always looked young for my age, and then suddenly I was looking wretched. Feel like that is turning around again.
. Also enjoying doing ordinary things again - just couldn't get going before - and you are so right, that's not living.
Thanks DivingMad. Yes great so far thank you.
I hope it all works out for Gib too. XOSWL (start 13st) by 30Jun20 6/10
£1/day Xmas'20-62 £214/£366 saved
Grocery Challenge Jun £742/£320 spentHomeowner wannabe by July 2020 - WooHoo!!
Starter Emergency Fund £1000/£1000 saved0
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