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

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  • Nor am I:o. I'm constantly looking out for the postman's van at the moment, I want responses to my other F&F offers to come. The offers were a bit cheeky so they'll probably be turned down anyway but I live in hope;)



    I hope you'll hear some good news soon about your job applications:beer:. The worst part is that often employers don't even acknowledge applications, they get so many, and people have no way of knowing if someone else got the job and carry on waiting and hoping.

    Good luck. You never know, they may just say yes! I couldn't wait so DH and I rang them afrer a week and said "Well, how about it?". Then most of them said yes over the phone.

    It is annoying not to get replies :(.
    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
  • I'm actually really cross and ashamed that DH and I have got into this situation of being so short of money, again :(.

    We are two adults with no health issues that stop us from earning money. Our kids are grown up so we have no child care problems. Our mistake has been relying on a failing business for 100% of our income. Well I'm not doing that any more.

    Like I said earlier I'm getting a job whatever it takes. I have been following a long term plan for the past few years. I've taken and passed my Functional Skills maths Level 2 a year ago, which is the equivalent of GCSE. Now I have nearly a year of volunteering under my belt.

    So I've given myself what I lacked in the past to get a job. Now I need to get out there and find one. My plan for a few years has been to get a job, but being self employed for so long and being without a maths qualification was holding me back.

    I think you can be allowed to be cross with yourself but don't be ashamed,there's no shame in trying to run a business to support your family at least you can say you gave it all you've got, your plan sounds great and I'm sure it will pay off in the long run

    Before I got the job I have now I had been on benefits for two years due to the second breakup with my now ex partner, when we got back together I decided to try and go back to work and I got a housekeeping job at the hospital where I work now,I started off cleaning the corridors for 15 hours a week then got a part time job cleaning the ward where I am now,I had no maths qualification as I simply cannot deal with numbers, then the trust I work for introduced a course called return to work so I went on that,I basically taught you how to study in case you wanted to advance your skills,it also included a maths unit which I managed to pass much to my surprise

    I was then offered a housekeeping supervisor role on a 6 month secondment so I did that for the 6 months and at the end they offered me the job permanently but I didn't like it so asked to go back to my old housekeeping job ,my manager took me for breakfast and spent nearly two hours trying to change my mind but I was adamant that I wanted to go back to my old job ,so back I went for about 3 months when the job of Health Care Assistant came up on my ward, I had split with my partner again by now and needed more money so I decided to go for it and got the job and I'm still there,I have done my level 3 NVQ in Health Care and now have that qualification plus two others that are equivalent to two A levels, I'm trained in phlebotomy and to carry out ECGs, so what I'm trying say is some plans start off small but can lead to all sorts of places

    I really hope something turns up for you soon xx
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • A very inspiring story OBL.

    We all start somewhere and hopefully your start will come soon. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • I think you can be allowed to be cross with yourself but don't be ashamed,there's no shame in trying to run a business to support your family at least you can say you gave it all you've got, your plan sounds great and I'm sure it will pay off in the long run

    Before I got the job I have now I had been on benefits for two years due to the second breakup with my now ex partner, when we got back together I decided to try and go back to work and I got a housekeeping job at the hospital where I work now,I started off cleaning the corridors for 15 hours a week then got a part time job cleaning the ward where I am now,I had no maths qualification as I simply cannot deal with numbers, then the trust I work for introduced a course called return to work so I went on that,I basically taught you how to study in case you wanted to advance your skills,it also included a maths unit which I managed to pass much to my surprise

    I was then offered a housekeeping supervisor role on a 6 month secondment so I did that for the 6 months and at the end they offered me the job permanently but I didn't like it so asked to go back to my old housekeeping job ,my manager took me for breakfast and spent nearly two hours trying to change my mind but I was adamant that I wanted to go back to my old job ,so back I went for about 3 months when the job of Health Care Assistant came up on my ward, I had split with my partner again by now and needed more money so I decided to go for it and got the job and I'm still there,I have done my level 3 NVQ in Health Care and now have that qualification plus two others that are equivalent to two A levels, I'm trained in phlebotomy and to carry out ECGs, so what I'm trying say is some plans start off small but can lead to all sorts of places

    I really hope something turns up for you soon xx

    Well done, OBL:beer:. Just goes to show what can be achieved through hard work and persistence (qualities that HH also has in spades:T),


    Thanks very much for sharing:beer:
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    Very inspirational post OBL , well done you.

    HH if you are off out for your Saturday saunter wrap up well it feels cold outside, but then you are in the south so maybe warmer with you.
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  • Thanks OBL that's really interesting to hear your story and it is inspiring. You've done so well :).

    I'm meeting stepdad for coffee and may just come home after that as I can't afford to buy anything. The weather looks a bit grim :eek: but hopefully it will improve.

    Have a good Saturday everyone.
    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
  • Thanks OBL for sharing. That is a great story. Well done. :T
    HH once employers see your qualities they are bound to be impressed. Enjoy your coffee with your stepfather :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Thanks OBL for sharing. That is a great story. Well done. :T
    HH once employers see your qualities they are bound to be impressed.

    I'm a big believer in getting your foot in the door of a company however menial the job. It's not so easy these days to get the post you really want straight away. With lots of recent graduates having to resort to working in McDonalds (not that I'm belittling McD's, it's just not the type of job they spent 3 years at Uni for:eek:) any job is better than nothing with all this Brexit uncertainty. I don't think people who need rather than want a job can afford to be too fussy.


    As you say, doingitanyway, once employers see HH's qualities they are bound to be impressed and internal promotion is more than likely to follow:j. A good, hardworking and loyal employee that they already know (like HH is sure to be) is often preferable to taking a chance on someone unknown with umpteen qualities on paper.
  • Enjoy your coffee.

    I agree with Carboot above. Someone will meet you and realise you are perfect for the company x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Very inspirational post OBL , well done you.

    HH if you are off out for your Saturday saunter wrap up well it feels cold outside, but then you are in the south so maybe warmer with you.

    Thanks Cumbria:). There's been a cold drizzle all day :eek:.
    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
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