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

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Comments

  • Thanks Beanie: :). I don't know whether I'll be pleased or petrified if I get one of them, because it's 25 years since I had a proper job :o.

    Pleased I think because I want the money, but still petrified _pale__pale_

    You'll be fine:). However experienced in the workplace anyone is it's always a bit scary starting a new job so You're not the only one to feel that way. Your volunteering is a job anyway and you have no problems coping with that one:T. Keeping my fingers crossed for you getting one of them:beer:
  • Thanks OBL :). I only get a funny tummy if I'm really really stressed, but I'm glad I've done it. I think :o.
    Just keep thinking to yourself that although you do need a job if you really don't like them you don't have to go through with it,that's what I kept in my head when I first applied for the job I'm in now and 26 years later I'm still there,sometimes I think this is a bad thing:rotfl: but mostly it's ok :)
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • Thanks Carboot and OBL :). I was petrified when I started volunteering but I've got used to it now :).

    This may be the start of many applications, who knows!
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • System
    System Posts: 178,369 Community Admin
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    Hairy I am so pleased for you doing your application forms , I will keep my fingers crossed for you .

    I have just renewed by utility bill and I pay £51 a month for a 2 bedroom flat. That's for gas and electric. I am paying £6 a month more than last time I changed tariffs. The amount you pay seems ludicrously high.

    Your volunteering sounds lovely as ever .
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • System
    System Posts: 178,369 Community Admin
    10,000 Posts Photogenic Name Dropper
    Carboot , what a lovely gesture to your friend and her brother , taking the brother back home.

    Hope you enjoy your heated house.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • Sun_Addict
    Sun_Addict Posts: 24,351 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think getting a job would be good for you, you'd get out and meet people plus be paid a steady income, what's not to like xx Fingers crossed for the applications :)
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    edited 16 November 2018 at 7:48AM
    Carboot , what a lovely gesture to your friend and her brother , taking the brother back home.

    Hope you enjoy your heated house.

    Thank you:T. It's a win-win situation really. My friend's brother who is desperate to get home will be happy. He won't do any serious harm to himself or anyone else by driving himself (and I think DVLA will definitely take away his licence once his GP gets involved). My friend will have a load taken off her mind and will be physically present at his home to see that he's OK and to organise some help for him. After her recent bereavement she says she'll enjoy a change of scene and something to do to help take her mind off recent sad events. OH will enjoy the driving (especially as it isn't his own petrol he'll be using:rotfl:). He loves long journeys and is looking forward to motorways and so on again. It's all twisty country roads round here, we both get fed up of that sometimes. They can be far more challenging and dangerous in lots of ways than fast, busy roads:eek:. He's also looking forward to the train journey home, he used to be a real train buff but hasn't travelled on one for ages. The biggest winner though will be me:j. Warm, quiet and stress-free house, my Christmas has come early:rotfl:
  • It sounds perfect for everyone Carboot. How unusual of your OH to like long journeys :rotfl: I find them tedious myself and want to get places instantly. :).

    I'm up early again for volunteering and have the two job applications to post. Spotted a small error on one last night :eek: so DH is printing it again. Lucky I gave them a final check over at bed time, phew!

    I'll need to be in recovery this afternoon.

    In other good news DH asked DS2 to give us some money each month towards bills and he said yes :T. DH asked for £200 per month and DS2 said yes straight away. I feel relieved but also guilty :o. I feel like we shouldn't be asking our children for money. Am I being silly? Anyway we will take it because we're so desperate, but I feel bad about it :o.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • Hairy I am so pleased for you doing your application forms , I will keep my fingers crossed for you .

    I have just renewed by utility bill and I pay £51 a month for a 2 bedroom flat. That's for gas and electric. I am paying £6 a month more than last time I changed tariffs. The amount you pay seems ludicrously high.

    Your volunteering sounds lovely as ever .
    Sun_Addict wrote: »
    I think getting a job would be good for you, you'd get out and meet people plus be paid a steady income, what's not to like xx Fingers crossed for the applications :)

    Thank you both I agree :).
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
    EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
    HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS
  • System
    System Posts: 178,369 Community Admin
    10,000 Posts Photogenic Name Dropper
    It sounds perfect for everyone Carboot. How unusual of your OH to like long journeys :rotfl: I find them tedious myself and want to get places instantly. :).

    I'm up early again for volunteering and have the two job applications to post. Spotted a small error on one last night :eek: so DH is printing it again. Lucky I gave them a final check over at bed time, phew!

    I'll need to be in recovery this afternoon.

    In other good news DH asked DS2 to give us some money each month towards bills and he said yes :T. DH asked for £200 per month and DS2 said yes straight away. I feel relieved but also guilty :o. I feel like we shouldn't be asking our children for money. Am I being silly? Anyway we will take it because we're so desperate, but I feel bad about it :o.

    I think £200 is perfectly acceptable as rent for a month. You seem to provide everything for your DS so that's cheap compared to if they were going it alone.

    You can always readjust when things become a little easier financially.

    Enjoy volunteering. :)
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
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