Finally Debt Free After 34 Years, But Still Need to Live Frugally

Sun_Addict · 30 September 2017 at 4:04PM

Boo to the tax letter, very annoying when letters like that arrive on Saturday

At least you know you've paid it so it's just one of those computer generated letters. I would think that the payment has been registered but the system takes a while to update so it's triggered the letter. Still annoying though - tell them off on Monday!

HairyHandofDartmoor · 30 September 2017 at 4:18PM

Thanks purplemum and SA, I'm sure it can be sorted out with a simple phone call, but frustrating to have to wait until Monday :mad:.

Have a great Saturday

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Hiddenidenity · 30 September 2017 at 5:14PM

Just caught up, fingers crossed they accept your offer!

Tax office don't have a clue half the time I'm sure!

Have a lovely evening x

HairyHandofDartmoor · 30 September 2017 at 5:22PM

Thanks HI. You have a good one too

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HairyHandofDartmoor · 30 September 2017 at 8:17PM

I've been thinking about my life and goals today.

All our lives DH and I been held back and missed opportunities due to lack of money. This is partly due to low income, but largely due to money mismanagement and not making the most of the money we've had over the years

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Getting into debt and staying in it for 34 years is a prime example. Everything that DH and I have bought with credit, has ended up costing us far more than we would have paid if we'd saved up for it the old fashioned way. There are so many things we could have done with that extra cash; we could have paid off our mortgage, had a holiday every year, had repairs done on our house, etc, etc

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Instead we've been in a hideous debt spiral paying out continually for interest and charges. The banks have been profiting from our years of hard work instead of us :mad:.

As you know I'm hoping DH and I will be debt free soon, but to stop me falling back into bad habits I intend to start a spending diary. I will record our daily spends on here, but I will also write them down in a notebook that will go everywhere with me.

I will only record discretionary spends, such as any food spending above our £80 per week limit, or any other spending that is 'avoidable'. I'm hoping this will make us realise more fully the value of money so that DH and I can build up some savings for the first time ever

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mummytogirls · 30 September 2017 at 9:00PM

Evening HHOD,

Your Saturday treat of a browse of the charity shops and a coffee sounds lovely

, glad you enjoy this time.

How annoying about the tax letter :mad: xx

HairyHandofDartmoor · 30 September 2017 at 9:05PM

Thanks mummytogirls I feel it's important to have some alone time with five of us in the house. Sometimes I think it keeps me sane

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Have a lovely evening.

please-let-me-be-lucky · 30 September 2017 at 9:14PM

What is this 'alone time' you speak of?!?

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Hope you had a lovely time Xx

HairyHandofDartmoor · 30 September 2017 at 9:20PM

Thanks lucky :rotfl:

parsniphead · 30 September 2017 at 10:07PM

I think most of us feel the same about our debt and lost opportunities but what's done is done. Time to move forward and do what's right now. Whatever you have once you're debt free, I'm sure you will enjoy and appreciate so much more.

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Finally Debt Free After 34 Years, But Still Need to Live Frugally

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