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

Seasidegal58

What wonderful news on the PPI Hairy!:j. Heaps of congratulations and fingers crossed on the RBS and packaged bank accounts.

Really good thinking too on putting the bulk of it in an emergency fund.

Re your OH's business - I can understand why he feels like he does, but would a part-time job - say driving/deliveries be the way forward? Or taxi driving where perhaps he could chose his own hours? He could then have time for his business as well? Re being unemployable after so long in the self-employed space, I remember you had the same concerns about yourself, but look what you've managed to achieve - a part-time job with the prospect of a full TA role in the not too distant future. I might have got this all wrong but I think you said the business only brought in c.£13,000 last year which isn't a great amount in the scheme of things with a mortgage still to pay although of course things may change dramatically for the better this year.

Please don't take offence at my comments Hairy - just throwing ideas into the pot for consideration.

SSG X

HairyHandofDartmoor

Thanks SSG .

I agree with you to some extent, but DH will never consider being anything but self employed and I would be harming our relationship to keep arguing about it. I've had to accept that he is determined to be self employed and move on from it.

If I can work full time then we can earn enough to cover our monthly expenses. And I do genuinely think that with the pressure off him, DH could earn more money. He has earnt up to £30,000 years ago, or we wouldn't have been able to buy the house we're in.

mummytogirls

Soooo pleased for you HHOD :beer::beer::j:j xx

HairyHandofDartmoor

Thanks MTG .

beanielou

Boo boo boo to rude people on the PPI board

HairyHandofDartmoor

beanielou wrote: »

Boo boo boo to rude people on the PPI board

Yes :mad: :mad:.

MrsLottie

Don’t often post but always read. So happy for you HHOD you really deserve such a break to give you a bit of breathing space and security !

HairyHandofDartmoor

Thank you Mrs Lottie . And thanks for delurking .

I didn't know so many people read my diary .

Sun_Addict

I can understand DH as Mr SA was always self employed and he could have never worked for someone. I don't think he would've lasted 5 minutes in a 'proper' job. I can also empathise with the irregular income thing. I've always worked and brought in a regular income whereas Mr SA has never done this and it was awful not knowing what was coming in from month to month. He's almost better off now being on PIP as at least we know what's coming in even though it's not much, you cut your cloth accordingly.

Don't be surprised how many people read your diary - it's never boring that's for sure xx

HairyHandofDartmoor

Thanks SA . I do crave a regular income that would cover at least half of our bills, but hopefully I'm a bit closer to it now I've got I'm getting some proper work experience .