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

HairyHandofDartmoor

Thanks. We'll have to try the silicone stuff Badmemory.

Sun_Addict

Don't worry about moaning, it's your diary and it will help get it off your chest.

Made me laugh that you are channelling Mr SA with wanting bed socks :rotfl: That's something he hasn't thought of - yet.

Fingers crossed you'll get some money in soon, that's one thing I don't miss from the old days when Mr SA was working, he was self employed, we never knew what money was coming in when or whether he'd get paid.

HairyHandofDartmoor

Thanks SA. This is the real down side to self employment . We'll get paid by someone eventually, it's just unpleasant while we're waiting.

Onebrokelady

Hhod you are hardier than me,I have put my heating on today as my house was freezing,I had a jumper on too,I did turn it off while I hoovered the house though as I got quite warm, don't worry about offlloading on your diary that's what it's there for,I moan on mine all the time and I'm constantly making plans and then changing my mind,I think I just need to stick to my plan of taking it one day at a time and congratulating myself on my credit card free existence
I was another one like Carboot who didn't fully realise how much debt I had racked up I also felt sick when I finally worked it out and couldn't stop shaking,it's going to take me a while to get out of it but I'm just glad I came to my senses when I did

[Deleted User]

Onebrokelady wrote: »

Hhod you are hardier than me,I have put my heating on today as my house was freezing,I had a jumper on too,I did turn it off while I hoovered the house though as I got quite warm, don't worry about offlloading on your diary that's what it's there for,I moan on mine all the time and I'm constantly making plans and then changing my mind,I think I just need to stick to my plan of taking it one day at a time and congratulating myself on my credit card free existence
I was another one like Carboot who didn't fully realise how much debt I had racked up I also felt sick when I finally worked it out and couldn't stop shaking,it's going to take me a while to get out of it but I'm just glad I came to my senses when I did

I must seek out your diary, Onebrokelady:)

Well done on acknowledging your debt:T:beer:, it's not easy is it?
I know what you mean about shaking when the awful realization hit home. I had some really serious shakes when I worked out that I had amassed debts of just a little under £57K by early 2013:o:eek:. Miraculously, I'd never missed a payment until that time, although the previous year several had been a couple of days late and resulted in late charges been added:mad:. Life was a misery, I knew I couldn't go on like that, forever robbing Peter to pay Paul and checking accounts constantly see when money had been credited so I could withdraw it immediately to pay someone else. With a current debt of under £9000 (must update my signature) I feel practically rich:rotfl:


Good luck in getting your debts paid off:beer:. You will get there and be debt free. Can I be nosy and ask if you're seeking help such as through a DMP? You may have already mentioned it on this thread or another that I visit. I seem to meet so many fellow debt strugglers that I get a bit mixed up about who said what:o. Opting for a DMP was my salvation, I can never thank Stepchange enough although after about four and a half years I decided to self-manage my debts for a bit more flexibility.

[Deleted User]

All this talk about keeping warm and lo and behold I've just read the latest email from Lakeland advertising their latest 'hot' products. Some wonderful things shown including heated clothes airers, heated blankets and throws and other things. All their stuff is so expensive though, well out of my and I suspect some other readers of this diary's price range:(.


One thing did intrigue me though, a portable handwarmer that is endorsed by the Raynaud's Association. Can be recharged via USB so should be really handy (pardon the pun:rotfl:). I'm not usually into gadgets but this one might be really useful. Still way beyond my price range unless I can find a way to make serious economies elsewhere. Can't think how or where, everything has been cut or down branded to within an inch of its life already:(


In case anyone is interested here's the link. Looks really long so I hope it works.

https://www.lakeland.co.uk/46095/HotRox-Double-Sided-Electronic-Hand-Warmer-with-Power-Bank?src=emails1810308weeksUK_1&spMailingID=57631831&spUserID=MzMxMzQ1NTI1Njk4S0&spJobID=1503395880&spReportId=MTUwMzM5NTg4MAS2

doingitanyway

i hope you get paid soon. It must be horrible waiting for money to come in

I like Lakeland for some things but they are expensive.

I had the heating on during the day a few days back but since buying thermals I am much warmer. Now I am not allowing myself heating until the sun goes down but may need a new plan if it gets colder!

Have a good day

[Deleted User]

doingitanyway wrote: »

i hope you get paid soon. It must be horrible waiting for money to come in

I like Lakeland for some things but they are expensive.

I had the heating on during the day a few days back but since buying thermals I am much warmer. Now I am not allowing myself heating until the sun goes down but may need a new plan if it gets colder!

Have a good day

I like Lakeland too, their products are top quality and their customer service is second to none. Lovely people to deal with. I used to shop with them decades ago via the mail order catalogue when they were simply Lakeland Plastics and didn't have all their retail stores apart from the Windermere one. I have to confess to being a real Lakeland addict back in the day when I had money (or rather a walletfull of plastic:o). I think there's a saying 'buy cheap, buy twice' but that could never apply to Lakeland's goods. I'm still using items bought in the 1980s and there's still plenty of life in them yet:j


I know you get what you pay for but their ranges are out of my reach these days:o and I do think some of them are very overpriced. I still buy from them occasionally when they have a sale on and need to replace something that I can't manage without, that's why they keep sending me their emailed latest offers. I'm still pondering on that hand warmer though, could be money well spent;)


We had the heating on for a while last night too:j. The house seems to be freezing once the sun (though we haven't even seen it for a couple of days:() goes down. It's an old detached house without cavity walls and the inside of the walls is really cold to the touch even in summer. I don't think being so cold is very healthy at our age although OH says he's never cold anyway whatever the weather.

HairyHandofDartmoor

Onebrokelady wrote: »

Hhod you are hardier than me,I have put my heating on today as my house was freezing,I had a jumper on too,I did turn it off while I hoovered the house though as I got quite warm, don't worry about offlloading on your diary that's what it's there for,I moan on mine all the time and I'm constantly making plans and then changing my mind,I think I just need to stick to my plan of taking it one day at a time and congratulating myself on my credit card free existence
I was another one like Carboot who didn't fully realise how much debt I had racked up I also felt sick when I finally worked it out and couldn't stop shaking,it's going to take me a while to get out of it but I'm just glad I came to my senses when I did

We are getting cold but as NPow3r want to raise our paYments to £45 PER WEEK :eek: we daren't put it on .

carbootcrazy wrote: »

I must seek out your diary, Onebrokelady:)

Well done on acknowledging your debt:T:beer:, it's not easy is it?
I know what you mean about shaking when the awful realization hit home. I had some really serious shakes when I worked out that I had amassed debts of just a little under £57K by early 2013:o:eek:. Miraculously, I'd never missed a payment until that time, although the previous year several had been a couple of days late and resulted in late charges been added:mad:. Life was a misery, I knew I couldn't go on like that, forever robbing Peter to pay Paul and checking accounts constantly see when money had been credited so I could withdraw it immediately to pay someone else. With a current debt of under £9000 (must update my signature) I feel practically rich:rotfl:


Good luck in getting your debts paid off:beer:. You will get there and be debt free. Can I be nosy and ask if you're seeking help such as through a DMP? You may have already mentioned it on this thread or another that I visit. I seem to meet so many fellow debt strugglers that I get a bit mixed up about who said what:o. Opting for a DMP was my salvation, I can never thank Stepchange enough although after about four and a half years I decided to self-manage my debts for a bit more flexibility.

I knew how much debt we were in when it hit £58,000 :eek: and we'd just decided we needed to do something about it when the recession hit . We went from turning work away to not having enough work, as people and businesses just stopped spending money . Soon we couldn't even afford the minimums and after that we were doomed, until Stepchange saved us.

Debt does make you feel ill with stress .

HairyHandofDartmoor

carbootcrazy wrote: »

All this talk about keeping warm and lo and behold I've just read the latest email from Lakeland advertising their latest 'hot' products. Some wonderful things shown including heated clothes airers, heated blankets and throws and other things. All their stuff is so expensive though, well out of my and I suspect some other readers of this diary's price range:(.


One thing did intrigue me though, a portable handwarmer that is endorsed by the Raynaud's Association. Can be recharged via USB so should be really handy (pardon the pun:rotfl:). I'm not usually into gadgets but this one might be really useful. Still way beyond my price range unless I can find a way to make serious economies elsewhere. Can't think how or where, everything has been cut or down branded to within an inch of its life already:(


In case anyone is interested here's the link. Looks really long so I hope it works.

https://www.lakeland.co.uk/46095/HotRox-Double-Sided-Electronic-Hand-Warmer-with-Power-Bank?src=emails1810308weeksUK_1&spMailingID=57631831&spUserID=MzMxMzQ1NTI1Njk4S0&spJobID=1503395880&spReportId=MTUwMzM5NTg4MAS2

doingitanyway wrote: »

i hope you get paid soon. It must be horrible waiting for money to come in

I like Lakeland for some things but they are expensive.

I had the heating on during the day a few days back but since buying thermals I am much warmer. Now I am not allowing myself heating until the sun goes down but may need a new plan if it gets colder!

Have a good day

Thanks both. I am so determined not to pay NPow3r a single penny more than I have to. They want us to pay £45 PER WEEK :eek: which is insane. So we're determined not to have the heating on. We're wearing lots of layers, fingerless gloves, outdoor coats and are sitting under blankets. When we have more money I'll get some booty slippers and some thermal tee shirts.

So scr*w you NPow3r :mad::mad: :money:. They've really got my back up this time the money grubbing pirates :mad:.