I Will Be Free

lcc86

Hi IWillBeFree, you've made some great progress so far,good luck, I'm subscribing. I suffer with depression and low mood (currently on medication) and know how much money worries can weigh you down. I find it hard to see the light at the end of the debt free tunnel sometimes. This forum has been such a huge, huge help to me and I feel like there is now light at the end of the debt free tunnel.

Good luck !

Doris17

Hi IWBF,


Staying positive can be hard, especially when you are not sleeping to good. You are doing amazingly well, keep up the good work. My debt is slightly less than your and I am slightly old lol, I shall also subscribe as I am a nosey old git too. Have a be nice to yourself evening and enjoy that ever it is you decide to do.


Doris.xx

in_need_of_direction

Another one here allergic to the term boyfriend. Did you know you can employ your own loss adjuster to deal with an insurance company? Might be worth a small investment.

peaceandfreedom

Hi there IWBF - just happened to come across your diary this evening .

IWillBeFree wrote: »

Still not got to a final position with the insurance for the repairs following the leak and the replacement of the damaged items. They have now offered 50% of the buildings works and nothing on the items that had to be replaced.

What reasons are the insurance company giving for only paying half the repairs cost and none of the contents loss - were you underinsured, is there a problem with your claim? Did they send out a loss adjuster - I would expect them to considering the extent of the damage and repairs. Did they ask you for proof of purchase for the items you had to replace?

There must have given you a reason for their stance on your claim - if you tell us what the reasons are, we might be able to help.

peaceandfreedom

IWillBeFree wrote: »

Some positive things which in time, hopefully, will make a difference in my budget:

• 5th month of not going to the £120 a go hairdressers. I have found a lovely old ladies type hairdressers and now get a hair cut and colour for £35 a month
• Did my first ever car boot sale. My main aim was to get rid of a lot of things my ex had left in the house when he moved out in 2012 but, I also made £120. I had hoped to pay off debt with it but then the ceiling came down and the builders bills etc. Still it helped and I will do another one in August.
• I have listed various things on facebook for sale and if they don't sell by the weekend, I will try other sites, like ebay.
• I have consistently used vouchers for food shopping or eating out in the last few months. My friends query why we keep going to Pizza Express but I don't really care anymore :rotfl:
• I use YNAB religiously, if it is not in my pot, I adjust and then deal with things so I am not overspending. Love it and miss it right now.

Hi again - love your positivity list - the ones I've left in above are ones that I also do or else I SHOULD do - I'm afraid I still spend a fortune on my hair .

Just wondering - do you not have a PC / laptop that you can use for YNAB? I mostly use it on my laptop and like you, I use it religiously, I am quite obsessive about it actually, can play with it for hours .

Good luck with your debt-busting and chin up, these are the dark days and things are going to get better .

jujuoro

Ive only just joined tonight and reading through todays posts, what a lovely bunch of people you all are, so caring and supportive x

Iwillbefree - i wish you all the best, chin up hun you are doing well and im certain there is light at the end of the tunnel. Ive been in a similar position back in 2011 when my husband left me and 2 young kids in a financial mess and i lost a very close good friend and two family members all within 12 months followed by losing my house and car.When i was told "things can only get better" i cried, but later realised how true that was.
good luck and its fab that everyone on here can offer you support.
I will continue to follow to hear how all is back on track for you soon xx

jujuoro

By the way ... what is YNAB please ?

chasingfreedom

Ahhhh IWBF, looks at how much love you got


I hope you are feeling a bit more positive today?


Ref 'the fella' if he's a natural saver it probably is shocking to him that somebody has any kind of debt so he will be shocked by the amount for sure. I know I am (for mine I mean!!) and I was part of creating it, lol. However, he shouldn't judge for your past mistakes. The important thing is that you are now dealing with it and being a grown up about it and in a few years it'll be behind you for good and you can be savers together


xx

IWillBeFree

Hello guys


I am so touched that people that responded so kindly to my ramblings/depressing thoughts - thank you so much. I had a quiet evening last night, with a questionable dinner consisting of two boiled eggs, a packet of Oreos and two bottles of Cidre - don't ask me how all that worked together, it kind of did the job!


I went to bed early as I felt a combination of tired and fed up and ended up laying there for ages, all tense, mainly thinking what else is going to go wrong with this house. I have to say I got overwhelmed with anxiety and had a good cry but it must have helped as I woke up feeling a bit brighter today.


A no spend day, which is great. Had lunch and dinner that included vegetables (which is a huge win for me), all prepared by me, and after a busy day at work and playtime with the hounds, I did quite a few chores, including a nice bit of gardening. So, definitely feel more positive tonight, thank you for helping me :beer:

in_need_of_direction wrote: »

Another one here allergic to the term boyfriend. Did you know you can employ your own loss adjuster to deal with an insurance company? Might be worth a small investment.

I had no idea you can hire someone like that and it may well be worth it, thank you in need of direction.

peaceandfreedom wrote: »

Hi there IWBF - just happened to come across your diary this evening .



What reasons are the insurance company giving for only paying half the repairs cost and none of the contents loss - were you underinsured, is there a problem with your claim? Did they send out a loss adjuster - I would expect them to considering the extent of the damage and repairs. Did they ask you for proof of purchase for the items you had to replace?

There must have given you a reason for their stance on your claim - if you tell us what the reasons are, we might be able to help.

Any help with this, will be very much appreciated. I spoke to the surveyor sometime last week and he told me that as some of the works were completed before he arrived and also because he identified rising damp in the property, they would only be offering 50% of the buildings part of the insurance claim, minus the excess. He said although he could see the contents were damaged, they wouldn't accept liability for them but I could write and appeal that as he's not an expert on the contents side.


I received an email today, after chasing, the doesn't state any of the above. It simply says thanks for your claim, the amount we agreed is X and we will process it in your bank account in 7 days. the amount is around 45% of the claim.


I didn't agree to the amount offered and asked him to put it in writing so I can consider it.


Any ideas for the best way to respond to this non descript email? I have never made a claim before and this process has left me speechless. It has gone from a conversation to when he inspected the damage, without any invoices or receipts, to him offering an arbitrary amount.

IWillBeFree

jujuoro wrote: »

By the way ... what is YNAB please ?

Hey jujuoro YNAB stands for You Need A Budget. It is software that enables budgeting using the 'envelop' principle, i.e. you allocate money for different categories, such as rent/mortgage, council tax, bills, groceries etc and then you adjust those amounts until the next pay day. So if you overspend in one category, you reduce spending in another. It is very handy and it has helped me immensely as I was one of those people that thought my bank account was bottomless

peaceandfreedom wrote: »

Hi again - love your positivity list - the ones I've left in above are ones that I also do or else I SHOULD do - I'm afraid I still spend a fortune on my hair .

Just wondering - do you not have a PC / laptop that you can use for YNAB? I mostly use it on my laptop and like you, I use it religiously, I am quite obsessive about it actually, can play with it for hours .

Good luck with your debt-busting and chin up, these are the dark days and things are going to get better .

Oh peace and freedom, I do miss the salon environment and treatment but now I have become friendly with one of the blue rinse ladies (she calls herself that) so I drop her off and collect her when I go - rock n roll or what!


I have a laptop that is on its last legs, it needs a new hard drive I am told as it starts making a noise like an engine starting and then it turns itself off. It's on the list of things to replace when I can. I have used it tonight to update YNAB and to come on here. Fingers crossed, my replacement phone is coming tomorrow and I can get back on track with updating on the go, which stops me spending. I rely so much on apps, I don't actually know when my next totm is - which is making me laugh as I am typing this!!!