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Debt free and staying that way while I re-evaluate life and keep blood sugar levels down

edited 30 March at 12:52PM in Debt free diaries
149 replies 8.7K views


  • redofromstartredofromstart Forumite
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    I laughed so much at your post on @EssexHebridean diary that I came to find yours.
     Posting so I can follow.
  • redofromstartredofromstart Forumite
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    Last time I touched spirits was during Euro 96, and yes the hangover was That Bad. 
  • Humdinger1Humdinger1 Forumite
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    Thanks again @redofromstart! I am so thrilled that the authors of so many diaries that I follow have found mine. This is a fab community.  Xx
  • redofromstartredofromstart Forumite
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    I found that because I had been commenting on other peoples diaries, they paid me a courtesy visit, and it snowballs from there. I haven't got a lot of free time these days (hurrah for £ but boo for socials) but I have always found the comments of others so helpful and motivating even if they don't quite match my mindset.
  • edited 4 January at 12:02PM
    foxglovesfoxgloves Forumite
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    edited 4 January at 12:02PM
    Interesting debate on here this morning, to which I'm adding while on my coffee break.
    Yes, personal customers & named bank managers. I'm sure I told this tale ages ago on my first DFW diary, but it is a good example. I also  started my first degree course in 1982. By the end of Spring term 1983, I was in overdraft (yes, the one which lasted for nigh on 24 years!). I kept spending & was soon in unofficial overdraft as I'd surpassed my limit & needed to extend it. This involved a formal appointment with Mr Jenkins, the branch manager. He took me into his office & buzzed through to ask for copies of my last few statements to be brought. This sticks in my mind partly because I had a horrendous cold at the time & actually sat there with a loo roll in my lap! He looked at my statements & said "Hmmmm, you do alright for a short while, then you seem to go mad'. He told me my spending patterns were very erratic.. I sat there like a poorly snot.monster & practically had to beg for an overdraft extension. I got one, but he made it clear it was the bank's money. I found the experience humiliating...but not sufficiently so to trigger an LBM at 19 instead of 43. 
    Four years later, I remember being home for a few days. My Mum went to answer the phone & I heard her say "Is that Mr Jenkins? Yes, that's my younger daughter. She'll be home next week. I'll tell her to telephone you & make an appointment". That was 4 or 5 years later, but still the norm to have to arrange overdrafts/extensions with the branch manager, as both my sister & I found out! In fact I laughed at my sister & said that at least Mr Jenkins had never phoned me at home!
    With hindsight, I kind of wish he hadn't agreed the extra overdraft as a serious financial crunch might have scared me into bucking my ideas up.
    Different times.

    "Begin doing what you want to do now. We are not living in eternity. We have only the moment, sparkling like a star in our hand and melting like a snowflake".
    Sir Francis Bacon 1561 - 1626 (Philosopher & statesman)
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