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

Humdinger1

Yes this @LadyWithAPlan.  Not wanting to immerse myself in futile regrets, but in case it helps someone reading this in the future; even glancing through the statements, the mental process I was clearly going through went something like this: if I keep spending on things that make it look like money is no object, then it will keep bad things away.  My first marriage was heading for the rocks (spoiler alert: ex was totally in thrall to conspicuous consumption to impress people) and most spending was on totally discretionary items. I do feel proud of the mountain I've climbed actually.   Love to all Humdinger xx 

Watty1

Humdinger1 said:

. I do feel proud of the mountain I've climbed actually.   Love to all Humdinger xx 

And rightly so.  your debt mountain was huge.  you climbed it and then sailed away with knowledge kindness and a willingness to share and inspire others.  Awesome xx

savingholmes

At least you are in a better place now.

Humdinger1

Thank you @Watty1 and @savingholmes.  Still waiting for new project to kick off as client has been poorly. I'm going to send him a supportive message tomorrow to see how he is. In the meantime, I've managed to get broadband/phone costs down by £50 per month and am about to lose another £17 per month of irrelevant direct debit; that feels like a lot of money.

Onwards and upwards; love to all Humdinger xx 

KajiKita

£67 per month back in your pocket is well worth having 😊👏

KK

Watty1

I feel any saving worth having. I have been thinking this over and will start an account where the free money goes (money that I come into or save from doing a deal)

Humdinger1

Thanks @KajiKita and @Watty1.  I'd love to hear views on open banking.  I subscribe to a package called pirkx*** and if l link my cards/bank accounts to it I will get a % of spend back. I'm going to see what Martin says, and will only use it for essential things - no slippery slopes here, thank you!  I'm thinking about the security aspects.   I know open banking has been around for a while, but still.  Humdinger xx

Watty1

Security was my first thought there. 

Aimingforthegoodlife

You have done amazingly and should be so proud of yourself

savingholmes

Well done on reducing down the direct debits