My journey to a debt free life

System

Great news on your windfall, what a lovely mum. I think I would keep it for a rainy day as well.

Glad to hear you are feeling better .

Willowtree222

I agree with enthusiastic. Give yourself a little treat, even just something small.

Sitting it in savings might suit you just in case something does crop up, like you said. x

Cherryfudge

Another vote for saving the money: after all you have a plan of action for tackling the debt so all else being equal that will eventually be gone, but it's those unplanned-for things that can throw spanners in the works (and it could be something nice, it's not just disasters that creep up on us!)

I'm in a similar boat to you regarding the photos: I lost my brother many years ago and have found plenty of photos of him while sorting Mum's house, so now I have one on my dressing table. I also found lots of photos and videos of my older children's infancy which are great. Once I can play the videos (I have to find if the old video camera I unearthed is the right one and if it's still working), I hope to re-watch these 20-somethings being tiny!

Onebrokelady

Thanks everyone,savings it is then
This makes the most sense to me as although some of my debt was me being silly and irresponsible quite a lot of it was for unexpected events that I just didn't have savings for so it would end up on the credit card,Now I don't have that option I need to make sure I have funds just in case, im not going to treat myself to anything though as I don't think I need anything and I don't trust myself not to get carried away, I had a list as long as my arm last night of things I could buy with this money but my new rational voice told me to put it all into my savings, I might buy myself a little treat when I get paid from my wages but I don't want to touch this money unless it's for an actual emergency
How times have changed,if this had happened to me before I started my DMP this money wouldn't have lasted a week,I would have blown the lot and then regretted it after when it was too late,I'm not that person any more,I have things that I could spend it on that are sensible,for instance I need new carpets in my living room,hall stairs and landing but I'm still going to try to save up for these, the carpet I have throughout my house is nice but it's worn around the doors and I would love to replace it but I don't need to urgently soI will wait and try and save for it

Onebrokelady

Nicnak wrote: »

Nitrofurotin? x

Possibly I can't remember now,but that sounds familiar,it said to take it with food and I don't think I ate enough because I felt really sick,I was ok once I ate something,the side effects listed were awful,one of them was loss of hair,I've been checking for a bald patch ever since I stopped taking it:rotfl:

Onebrokelady

Today's plans are to go out shortly with the dog for a long walk along the river which will eventually lead us to the pet superstore where I can buy some chicken food,it's only an interim bag because I forgot to order a big bag from my local pet shop
When I get back I want to sort out some more bits for the charity shop,so I'm going to raid my bedroom today,I have lots of bits in there that can be got rid of
Right DD is waiting to go so I will leave it there and might be back later, have a lovely Sunday everyone

foxgloves

How lovely to be given some money, OBL. I agree that putting it in savings is the best idea. It's surprising how a genuine & fairly modest emergency, such as a cooker or washing machine carking it, followed by a car repair bill? can really pull our careful budget plans to pieces. Nice as it would be to celebrate this largesse with a few purchases, I think you will feel more stable with a bit more of an emergency fund - I know I would.
F x

Lifeisforliving19

How lovely of your mum to give you some money. Sensible idea to save it. It will give you peace of mind and the creditors don't know you have it, so they won't want it....lol


Enjoy your walk with the dog.:)

Onebrokelady

foxgloves wrote: »

How lovely to be given some money, OBL. I agree that putting it in savings is the best idea. It's surprising how a genuine & fairly modest emergency, such as a cooker or washing machine carking it, followed by a car repair bill? can really pull our careful budget plans to pieces. Nice as it would be to celebrate this largesse with a few purchases, I think you will feel more stable with a bit more of an emergency fund - I know I would.
F x

I know,it was totally unexpected and I'm still a bit shocked to be honest,it might not seem like a lot,of money to some people but to me that's massive, I know what you mean about having a couple of things go wrong at once,several years ago now I won £100 on my works lottery,I was so pleased then the very next day my oven blew up followed swiftly by the washing machine packing up ,I had to find another £300 to add to the £100 I had won to replace them both as neither were repairable,I looked on the bright side as at least I had the money I had won but Im always worried about more than one thing breaking at once and not belong able to replace it and now I won't have to :j

Onebrokelady

Lifeisforliving19 wrote: »

How lovely of your mum to give you some money. Sensible idea to save it. It will give you peace of mind and the creditors don't know you have it, so they won't want it....lol


Enjoy your walk with the dog.:)

It was lovely of her and I really do appreciate it a lot,I'm going to pay it in on Tuesday and I'm quite excited about it,I don't think I've ever had that amount of money in savings before,I did toy with the idea of paying off whatbis left of my overdraft but it would only be bringing my DMP payment down by about £16 a month and I think my emergency fund is a better use of it,I feel a bit more secure now I know it's there,so if anything goes wrong I don't need to panic:)