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Gemmzie's Staying-Debt-Free-With-No-Income Diary
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I was made redundant last September and have managed to live debt free since then. I got my redundancy money - not a lot I hasten to add - and am living off money that I had saved for emergencies when I had been working. Its been a struggle, its more that Im finding it difficult to find work than choosing to do this
but ive met the bills each month and had to cough up my flat mates half of bills on occassion as well (bit unconsiderate is he, he doesnt budget for anything)
The most precious possession that ever comes to a man in this world is a woman's heart.
-- Josiah G. Holland0 -
I stupidly thought since it'd had £475 worth of work on a service in May, it'd be okay
:rolleyes:No longer using this account for new posts from 20130 -
AH, got you , thats how long you werent in debt Gemmzie.
How did you pay for t then?I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
OH joy~Mines Fri:rolleyes:I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
AH, got you , thats how long you werent in debt Gemmzie.
How did you pay for t then?
It's how long I was unemployed and not in debt, i.e. the life of this diary
Mum's Egg Money card, so basically I have to clear it by August 1 or find somewhere else to shove it :rolleyes:No longer using this account for new posts from 20130 -
I realised it wasn't fair to have my debts on mum's card because it complicates things for paying off (see non-DMP diary!). So I phoned my old credit card and asked if they could do me a BT deal, 6.95% life of the balance!
Not bad eh. So I can tackle that on my own now.
Apparently my expenses have been approved so should be receiving a cheque for nearly £150 soon, so that'll help.No longer using this account for new posts from 20130 -
Still waiting for expenses, still waiting for Tax Credits (apparently, they'll be with me by Friday, pfffffffffft :rolleyes:)
Got the extra wages from old job but for some odd reason they've taxed me on them
Think I've blown the other job offer too.No longer using this account for new posts from 20130 -
Tax credits ~ yah.
You dont know that you have blown the job.I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post 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 & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
***Fall down seven times,stand up eight*** ~~Japanese proverb. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
The last cheque for the previous debt went out today so that's that little drama over with.
I'm meant to be due my tax credits money Monday so have everything crossed for that coming through.
Holiday is booked. If anyone's going to have a go about holidays when in debt - £200 of it is from a competition win, £100 is from another comp win where I swapped the vouchers with my brother for cash and I have the rest from saving for the past year about £20 a month plus a teeny bit of matched betting. So I think I deserve it.
Also, the debt will be gone once I get the owed money so it can wait.No longer using this account for new posts from 20130
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