Brogden's Debt Disaster & Self Managed DMP!

zenshi

What an achievement with your debt busting. I've not read the whole diary and won't bring my own doom and gloom to your thread

I struggle to find time to post, let alone read so may I ask how you got the P & F down so low? Was it just perseverance on your part?

Brogden

zenshi wrote: »

What an achievement with your debt busting. I've not read the whole diary and won't bring my own doom and gloom to your thread

I struggle to find time to post, let alone read so may I ask how you got the P & F down so low? Was it just perseverance on your part?

Thank you very much indeed !!

All of the information is in the thread. I'm busy too - I can't restate it all.......people are falling asleep already. When you get a chance have a look and don't worry about bringing doom and gloom - we have all been there and we survive :T

Brogden

Brogden

Puzzcat wrote: »

Hi Brogs,


So.. I agree with the others.. why is Mrs B giving up work? Your debts are not yours alone.. I'm sure you didn't spend all the money on yourself and surely this should be a shared journey your travelling.. All a bit rich coming from a Puzz in a very similar boat.. maybe a pea green one....:D


The difference is my OH although not involved in my debts, I know they were run up by my spendiing on all of us he does sort of help pay them off by giving me money each week.


Hope you have a lovely break from work, I have decided not to take any time off, bar 1 flexi day. I seem to have done nothing but part time for months using up last years so best crack on and show my face for awhile in case they forget I work there..


Puzz. x

Hi Puzz & INOD & Dansmam

Mrs B giving up work is something I have known about for ages. It was just a matter of when. She took the job two years ago after not working for quite a few years. She should have been working really but we took the strain as she nursed her dying father for a few years whilst her brothers and sisters made an art out of being useless....lying and cheating to avoid their share of the duties. In the end they are absolutely fine and we had one wage and got into debt :mad:.

Mrs B took the job as things were very, very rough at the time and it has helped get us through to where we are now. The job is exhausting and she is a few years older than me. It is sad because she has made a lot of friends but the decision is that it is better to make sure of health and sanity !! I could elaborate of course......BUT I know she ought to stop so (no arguments for once) she will finish when she gets to her holiday . She was talking about going to the end of the year but I told her that if she had made up her mind.....might as well finish and celebrate whilst on holiday.

This is 'against the flow of traffic' I know, I know, I know !! It has to happen. I have, of course mentioned the new pension freedoms........these will shortly help on this !!

Brogden

Puzzcat

Whatever is best for you both, it is none of our business at the end if the day.
Puzz.x

grannyx2

:lovethougYou are a true gem :lovethoug

Dansmam

Makes perfect sense, sorry Brogden for commenting in ignorance. The age profile in our house is the other way round, and it creates some interesting dilemmas being at different life stages...not least when the financial landscape changes! You are indeed a gem and I hope your financial landscape just keeps on getting greener:T
Clocks just went forward. Late late late :eek:

Brogden

Puzzcat wrote: »

Whatever is best for you both, it is none of our business at the end if the day.
Puzz.x

Thank you Puzz x

There is no need to say that I only say things if I want to say them !!

You and I are doing well being very sensible aren't we? What......you with your healthy grape juice and me.......I had a few cans of healthy hop flavoured barley water last night

Brog x

Brogden

grannyx2 wrote: »

:lovethougYou are a true gem :lovethoug

Thank you Granny x

Fantastic picture.....so pleased you are having a great time

Brogden

Brogden

Dansmam wrote: »

Makes perfect sense, sorry Brogden for commenting in ignorance. The age profile in our house is the other way round, and it creates some interesting dilemmas being at different life stages...not least when the financial landscape changes! You are indeed a gem and I hope your financial landscape just keeps on getting greener:T
Clocks just went forward. Late late late :eek:

Thanks DM

I want you to go back to your pension statements and if necessary contact the pensions people because you are missing something or misunderstanding something.

The apparent 'loss' of tax-free cash just does not happen. I am aware of the new scheme which came into play last year. Going forward it isn't as good (obviously...and we bite on that bullet in the private sector too ) As you have a lot of years service in the old scheme you keep everything you accrued and I accept that you are referring to old 'projections' which would no doubt assume a rate of future salary increases which may exaggerate retirement benefits a little although I have no idea of the assumptions made in these.

There is no way you are being betrayed ! Things aren't as good as originally intended but that seems to apply to every aspect of human life :rotfl:!!

Seriously......get it sorted and get happy

Brogden x

Dansmam

No, I couldn't believe it either, but it's true and I've adjusted - why I'm on here actually:rotfl: but still cross - was a projection, yes, but one I saw come to fruition for older colleagues and had no reason to think it wouldn't for me. Nuff said. Am a pretty cheerful person in RL, don't think my RL friends would recognise me here (probably for the best...) Cheering up immediately, as instructed :j
Thanks Brogden x