Finally Debt Free After 34 Years, But Still Need to Live Frugally

beanielou

HairyHandofDartmoor wrote: »

I certainly did It's a constant source of amazement to me how much milk we get through in this house :eek: Mind you I don't buy squash or juice so pints of milk get drunk, and then there are my many cups of tea, especially now I've given up the coke

Wow.Is.All.

HairyHandofDartmoor

Thank you lucky, beanie, Reb and redo . I'll let you know how the phone call goes. I'm keeping my fingers crossed.

Seasidegal58

Good luck with the phone call!

P.S. Love the description of your bunny!:)

EssexHebridean

Just popping in to say I hope the phone call goes well and gives the right outcome!

beanielou

Any news then?
I take it not?

HairyHandofDartmoor

Thanks SG and Essex and beanie. Not much to report sadly

DH rang the creditor and they have received the letter, but it hasn't been added to their system yet. When it's been added (which could take another week) then DH's account handler will be able to approach a manager for a decision :mad:

Bearing in mind that the letter was posted first class recorded delivery a week on Friday, you would think they could have got it onto their system by now. They are the slowest of our creditors by far ( the other six proceeded lightning fast compared to this lot) :mad:

Still, at least it wasn't a no

In other news I've done three surveys today and have decided that my survey money will be added to my Christmas/car expenses fund, which currently totals £11. It's a start :rotfl:

Hope everyone had a productive day

System

Love your name Hairy. I love the tip as well , great feeling coming away with less clutter. Thank you for your comments on my diary . I managed not to spend anything in Lakeland , but did have a browse. Am now the owner of 10 l of magnolia thanks to Hiddens tip about paint in B&M .

HairyHandofDartmoor

You're very welcome Cumbria

You did well to resist in Lakeland Your place is going to look amazing once all that magnolia has gone on the walls.

HairyHandofDartmoor

I forgot to mention that yesterday was a NSD, however today won't be because we're nearly out of... milk :rotfl: Plus we'll need to give DS3 his bus fare for college, but shouldn't need to buy anything else.

Yesterday I felt very miserable after the phone call to the creditor, because we may have to wait another week before we get a decision . I cheered myself up a bit by going over how much debt we have already paid/written off.

I also wrote a list of reasons to be cheerful, which turned into quite a long list in the end. I've noticed that one setback can make me feel as though everything is awful, so writing the list did help to give me some perspective, as did some chocolate

Anyway I felt more positive later in the day. We've waited years to be debt free, so what's another week or two?

Today's plan is walk followed by work. Dinner will probably be mince from the freezer with whatever value sauce we have in stock, tomatoes, onions, kale and spinach on value pasta.

Have a good Tuesday everyone

EssexHebridean

Great idea to write a list of cheerful things if that helps - you're right about one setback sometimes ending up completely out of proportion too - I had something similar myself at the weekend which was still making me feel a bit "meh" but you're right - it's ONE thing, and it is something I can cope with albeit it's annoying. Thank you for that!

You're right about at least the telephone call didn't result in a "no" as well - plus you've come SO far, and done SO much, whatever happens with this very last one now, you know you can tackle it in the end.

Good plan to add survey money to your Christmas/car fund as well - essentially makes those things funded with "free" money doesn't it!