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

[Deleted User]

Fantastic news, well done to your DH :j

badmemory

I don't know how expensive it is to run but DS says it is cheaper to dehimudify (is that a word? do we care?) the bathroom than it is to use the extractor fan & surprisingly enough also quicker.


When I bought it I really had no idea how or if it would work. But it was one of those Aldi when it's gone it's gone things & they hadn't all gone. So £70 later & I had made one of my best ever buys. It is only designed for smaller rooms. My through living/dining room is a bit big for it.


If I had known then what I know now I would have spent more to get one that you can set the humidity % that you want & it turns itself off. To me a house with lower humidity feels less chilly than the same temp but higher humidity. So less humidity = more mobility which has got to be good.


ETA this thread moves so fast!! Well done to DH!

HairyHandofDartmoor

carbootcrazy wrote: »

Thanks very much, HH, for the suggestion of wearing cashmere gloves:T and doingitanyway for endorsing them and mentioning a brand:T


I've never heard of them before and wouldn't have imagined that you could write in them. Sound just the job and I'll seek some out if they aren't eye-wateringly expensive. I already have some fingerless gloves but they are just the basic thick wool ones and totally useless for anything like writing. I wear them sometimes if I'm just watching TV in the evening but even then I have to take one off to grip my cup handle when I have a drink:eek:


Your Mum sounds like she was a lovely, kind lady, HH, to have bought you such thoughtful gifts:)


Great news on DH's success with the client:T. Let's hope it's just the start of a run of good fortune for you both:beer:

My cashmere fingerless gloves don't have separate fingers. They are like mittens with the end cut off. So your fingers keep warm but you retain the flexibility. I hope that makes sense. I have no idea what make mine are but I love them .

Thank you .

Deleted_User wrote: »

Fantastic news, well done to your DH :j

Thank you

HairyHandofDartmoor

badmemory wrote: »

I don't know how expensive it is to run but DS says it is cheaper to dehimudify (is that a word? do we care?) the bathroom than it is to use the extractor fan & surprisingly enough also quicker.


When I bought it I really had no idea how or if it would work. But it was one of those Aldi when it's gone it's gone things & they hadn't all gone. So £70 later & I had made one of my best ever buys. It is only designed for smaller rooms. My through living/dining room is a bit big for it.


If I had known then what I know now I would have spent more to get one that you can set the humidity % that you want & it turns itself off. To me a house with lower humidity feels less chilly than the same temp but higher humidity. So less humidity = more mobility which has got to be good.


ETA this thread moves so fast!! Well done to DH!

Thanks for the info

[Deleted User]

HairyHandofDartmoor wrote: »

DH had another letter from Vanquis Bank. They won't be happy until we've taken out a credit card to "rebuild our credit score". They're offering £1000 with an APR of 39.9% :eek:. Strangely enough we're not tempted! Although if they knew our income this month they would probably withdraw the offer with a hollow and mocking laugh .

I check my free credit report each month with Clearscore and they show a list of credit cards with the percentage likelihood of being accepted. With some you're even pre-approved, no chance of being turned down. If you use Clearscore at all they'll show you a list of suitable ones. Saves having searches recorded on your credit report and then getting turned down for one.


A couple of years ago I took one out with Capital One (one that I was pre-approved for based on my appalling credit history) and at the time I had about £20,000 of debt and was/am still on a DMP with a string of defaults and a trashed credit score:o. It just goes to show absolutely everyone can get some card or another:eek:. I did it purely to try to start repairing my credit score and I use it strictly for buying petrol and so on that I buy anyway. I pay it off in full each month as I have the money to do it by not paying for the petrol in cash. I've never paid a penny in interest:j. Interest rate is 26.9% but as I don't ever intend to pay interest it doesn't bother me. I was given a £500 credit limit to start with and then after a year they upped it to £1000 as I'd been such a good girl and used my card responsibly. I expect they'll increase it again this December as I have really tried to be a model user. I spend less than £50 a month on it:rotfl:


I'm the last person to advocate taking out credit (had my fingers well and truly burned over the years and am paying the price now:o) but it might help your cashflow situation. I'm thinking of the late-payers that your DH has done work for. It may only be for a couple of weeks and once you get paid you could repay the balance on the card in full. You'd never have to pay interest so that 39.9% is immaterial.

[Deleted User]

badmemory wrote: »

I don't know how expensive it is to run but DS says it is cheaper to dehimudify (is that a word? do we care?) the bathroom than it is to use the extractor fan & surprisingly enough also quicker.


When I bought it I really had no idea how or if it would work. But it was one of those Aldi when it's gone it's gone things & they hadn't all gone. So £70 later & I had made one of my best ever buys. It is only designed for smaller rooms. My through living/dining room is a bit big for it.


If I had known then what I know now I would have spent more to get one that you can set the humidity % that you want & it turns itself off. To me a house with lower humidity feels less chilly than the same temp but higher humidity. So less humidity = more mobility which has got to be good.


ETA this thread moves so fast!! Well done to DH!

I keep thinking a dehumidifier would be a good idea for us. I had one once and found it effective but passed it on to someone for their small holiday chalet that is left empty a lot and gets very damp. A friend gave the dehumidifier to us because it was too small for their needs and it was too small for us too:(. I didn't just need it for the bathroom, I wanted it for the whole downstairs area. We used it a lot but the water collecting tank was really small and it had to be emptied all the time. Not something that I could just leave on and forget. Also, it was very noisy, the poor thing must have been really overworking. Maybe once I'd removed the residual moisture and just used it day to day it might have been better but I needed to get rid of a lot of condensation moisture. Old houses without cavity walls get very damp unless very well heated and ventilated. Ours gets ventilated but the heating is very lacking, thanks to OH:mad:


That's another thing to put on the 'wants' list:eek:. Cashmere gloves and a dehumidifier.

Chrystal

Saw some on 3bay for £7.99 + free postage - from abroad. Might be worth a look?

HairyHandofDartmoor

Thanks Carboot and Chrystal. I will think that over. We'd probably need a dehumidifier for every room in the house .

It seems to be working well for you Carboot, but I don't trust myself or DH with a credit card, so we'll have to keep our bad credit score . Our fingers have been well and truly burnt. I know what we're like, we'll use it to pay a bill, and then another bill would crop up and the credit card wouldn't be paid and we'd get charged interest.

Sometimes I feel like the only good aspects about our finances are that we have a small repayment mortgage and no consumer debt. The rest of our financial situation is pants .

Still the game of life's not over yet, so we could still turn it around if we focus on our goals .

Willowtree222

Great news about DH. Hopefully you will get paid this week from the other supplier.

I'm sorry about your mum an her anniversary. The first year has all the firsts and it is not a nice thing to go through at all. I don't think it ever gets 'easier' just you seem to be able to deal a little better.

I'm missing alcohol at the minute. I guess mine isn't a choice and something that is forced upon me.
x

HairyHandofDartmoor

Nicnak wrote: »

Great news about DH. Hopefully you will get paid this week from the other supplier.

I'm sorry about your mum an her anniversary. The first year has all the firsts and it is not a nice thing to go through at all. I don't think it ever gets 'easier' just you seem to be able to deal a little better.

I'm missing alcohol at the minute. I guess mine isn't a choice and something that is forced upon me.
x

Thank you Nicnak, the first year is the hardest I think for bereavements .

Normally I would crave alcohol every weekend. I think my tastebuds have changed temporarily because I don't even want it. Mind you, like sugar, I think you more you have the more you want.