PLEASE READ BEFORE POSTING

Hello Forumites! However well-intentioned, for the safety of other users we ask that you refrain from seeking or offering medical advice. This includes recommendations for medicines, procedures or over-the-counter remedies. Posts or threads found to be in breach of this rule will be removed.
We're aware that some users are experiencing technical issues which the team are working to resolve. See the Community Noticeboard for more info. Thank you for your patience.
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Do you have a secret trick?

Options
1293032343563

Comments

  • Rosa_Damascena
    Rosa_Damascena Posts: 6,987 Forumite
    Fifth Anniversary 1,000 Posts Homepage Hero Name Dropper
    FOF won't come up on google cos I made it up :D 

    It stands for F**k Off Fund. When you have a problem and you need it to f' off, or when you're in a situation and you need to f' off, or you've got caught up with a dodgy bloke and need him to f' off, that's what the money's there for.

    Absolute emergencies only. Never for paying your rent 'just this once' or buying shoes in the sale or some extra xmas presents. When you're in a desperate state and you need to lay your hands on some money now without having to ask someone for it or wait for the banks to open etc. 
    Submitting to intimidation? I think not. 

    While I agree with your point in general about not submitting Rosa, in this instance you deliberately misconstrued what I said.

    It is not about submitting to intimidation. It's about keeping yourself straight and safe, and very often the most effective way is to just throw money at the problem. Which only works if you have the money to do it. And the sight of a pile of cash is mighty persuasive. 

    I was actually thinking about my old next door but one neighbour when I wrote that particular line. Very long story short - She'd been with a guy a few years when, for whatever reason, he changed. He decided he was entitled to half the house (he'd moved into her house) and wanted his name on the deeds. I suggested she had a word with my solicitor, which she did. Got a letter drawn up for him to sign that effectively said 'I'll take your FOF (£20k) and disappear for good'. Which he did.

    In my own case nearly 25 years ago I used my FOF to leave my .....not-very-nice..... husband. I'd spent about a year siphoning bits off the house-keeping he gave me and stashing it in a coffee jar. Then one day a thing happened. After he went to work I rang a taxi, collected all my important bits (passport/paperwork/FOF) stashed it in my handbag, put the dog on his lead, put my coat on and walked out the door. It was only because I had cash to pay the taxi driver that I could do that.  

    Money is just a tool to get you out of a situation you don't want to be in, or to get you in to a situation you do want to be in. It's about having the means to independently make decisions when you need to, without having to ask someone else for permission money.

    I hope everyone was washing out jam/coffee jars last night and looking for a fiver :)
    I don't think I have. I thought you were referring to cowboy builders, dodgy trades and the like. DV didn't occur to me.

    I agree in having a FOF fund for the unexpected, but not as an insurance policy for being beholden to a man. Never have been, and never will be.
    No man is worth crawling on this earth.

    So much to read, so little time.
  • Rosa_Damascena
    Rosa_Damascena Posts: 6,987 Forumite
    Fifth Anniversary 1,000 Posts Homepage Hero Name Dropper
    edited 9 April 2023 at 10:02AM
    -taff said:
    Well, you must be the only person in the world who has no emotional ties to anyone. Because anyone can change or turn into someone you don't think they could.
    I am well aware of that. I don't have a high opinion of men, and any relationship is on my own terms. Otherwise I have a FOB (boot) and I'm not afraid to use it.

    Maybe that is my secret trick - avoid trouble at all costs.
    No man is worth crawling on this earth.

    So much to read, so little time.
  • Brie
    Brie Posts: 14,703 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    I didn't think that @Rosa_Damascena was talking about abusive relationships.  I thought it was more about if you had one of those scam car bumps where something then threatens you unless you give them some cash immediately.  Though granted you wouldn't normally walk around with your fund in your back pocket, just in case.  I guess it's more likely if you have a burly type offering to fix your gutters then threatening to do damage unless you paid him for his "inspection quote".

    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board:  https://lemonfool.co.uk/financecalculators/soa.php

    Check your state pension on: Check your State Pension forecast - GOV.UK

    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
    ⭐️🏅😇
  • Brie
    Brie Posts: 14,703 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    Ah - caught up with the posts......as for me sometimes you just need to walk with or without a fund.  I always figure my brain and attitude count for a lot when it comes to a crisis.  Even if it's my brain and attitude that get me into it in the first place.  
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board:  https://lemonfool.co.uk/financecalculators/soa.php

    Check your state pension on: Check your State Pension forecast - GOV.UK

    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
    ⭐️🏅😇
  • gt568
    gt568 Posts: 2,535 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    -taff said:
    Well, you must be the only person in the world who has no emotional ties to anyone. Because anyone can change or turn into someone you don't think they could.
    I am well aware of that. I don't have a high opinion of men, and any relationship is on my own terms. Otherwise I have a FOB (boot) and I'm not afraid to use it.

    Maybe that is my secret trick - avoid trouble at all costs.

    Why do you hate men so much?

    I'm not sure it would be so acceptable for a poster to post such a view if it were about women.
    {Signature removed by Forum Team}
  • Brie
    Brie Posts: 14,703 Ambassador
    Part of the Furniture 10,000 Posts Photogenic Name Dropper
    gt568 said:
    -taff said:
    Well, you must be the only person in the world who has no emotional ties to anyone. Because anyone can change or turn into someone you don't think they could.
    I am well aware of that. I don't have a high opinion of men, and any relationship is on my own terms. Otherwise I have a FOB (boot) and I'm not afraid to use it.

    Maybe that is my secret trick - avoid trouble at all costs.

    Why do you hate men so much?

    I'm not sure it would be so acceptable for a poster to post such a view if it were about women.
    Does not having a high opinion of men = hate?  I don't think so myself.  Men as a group haven't been very kind to women in general and so quite a few women avoid them at various times of their lives or simply at various times of day or for certain activities.  That doesn't necessarily mean someone hates them.  Just that they don't actively admire them.
    I’m a Forum Ambassador and I support the Forum Team on Debt Free Wannabe, Old Style Money Saving and Pensions boards.  If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts you spot in breach of the Forum Rules should be reported via the report button, or by emailing forumteam@moneysavingexpert.com. All views are my own and not the official line of MoneySavingExpert.

    Click on this link for a Statement of Accounts that can be posted on the DebtFree Wannabe board:  https://lemonfool.co.uk/financecalculators/soa.php

    Check your state pension on: Check your State Pension forecast - GOV.UK

    "Never retract, never explain, never apologise; get things done and let them howl.”  Nellie McClung
    ⭐️🏅😇
  • kboss2010
    kboss2010 Posts: 1,466 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    -taff said:
    Well, you must be the only person in the world who has no emotional ties to anyone. Because anyone can change or turn into someone you don't think they could.
    I am well aware of that. I don't have a high opinion of men, and any relationship is on my own terms. Otherwise I have a FOB (boot) and I'm not afraid to use it.

    Maybe that is my secret trick - avoid trouble at all costs.
    You sound exactly like all of the “it’ll never happen to me because *I* make better choices” folks I’ve seen end up in the worst situations because you thought you would never need it.

    I repeat, EVERYONE needs a FOF, but especially those who think they never will.
    “I want to be a glow worm, A glow worm's never glum'Coz how can you be grumpy, when the sun shines out your bum?" ~ Dr A. TappingI'm finding my way back to sanity again... but I don't really know what I'm gonna do when I get there~ LifehouseWhat’s fur ye will make go by ye… but also what’s not fur ye, ye can jist scroll on by!
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351K Banking & Borrowing
  • 253.1K Reduce Debt & Boost Income
  • 453.6K Spending & Discounts
  • 244K Work, Benefits & Business
  • 598.9K Mortgages, Homes & Bills
  • 176.9K Life & Family
  • 257.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.1K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.