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    • HairyHandofDartmoor
    • By HairyHandofDartmoor 24th Sep 17, 12:22 PM
    • 10,567Posts
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    HairyHandofDartmoor
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    • #1
    • 24th Sep 17, 12:22 PM
    Finally Debt Free After 34 Years, But Still Need to Live Frugally 24th Sep 17 at 12:22 PM
    My DH and I have been in debt for 34 Years, apart from brief periods, ever since I was offered my first credit card at the tender age of19.

    Our debts were caused by us being impulsive spenders and not being very skilled at budgeting or managing our money, so we know it is our own fault. We always believed that one day we would have more money, mysteriously, and that this would bail us out .

    Our full light bulb moment came when we realised, "What if we never have any more money than we do right now?"

    A couple of years ago we were coping with the minimum payments, but didn't have enough to overpay on any of them. We were forking out 1300 a month in minimum payments, and the interest alone was 1000 a month .

    But then in 2015 our small business started to bring in less, and a family bereavement, and illness affected our ability to work. We could no longer afford the minimum repayments and we were scared we would lose our home. We were stricken with stress and depression .

    Step Change shone a light in the darkness for us and they arranged for us to make token payments of 1 a month to our creditors. This saved our sanity and we were reassured that our home was unlikely to be taken from us.

    My DH recently turned 55 and drew out his pension so that we could make full and final offers to our creditors. All but one accepted an offer of 50% of what we owed (which is all we had to offer). We are continuing negotiations with the final creditor and hope to be debt free by Christmas .

    Being so close to being debt free has made me realise what a heavy burden the debts have been all these years, like living our lives wearing lead boots.

    Once we are debt free we will still need to live very frugally because we have no emergency fund or savings, and our income can be irregular. I hope that starting a diary will help to focus me on frugal living, avoid impulsive spends, and keep my spirits up. Because frugal living can be a lonely and isolating experience.

    This site and Step Change has helped me so much, and I hope that my diary will help to inspire others that it's never too late to change your life .
    Last edited by HairyHandofDartmoor; 18-11-2017 at 8:49 AM.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 3,000/5,000. EMERGENCY FUND 2 = 1,505/5,000.
    CHRISTMAS SAVINGS = 159.37/500
    PREMIUM BONDS ME = 200. PREMIUM BONDS DH = 200
Page 215
    • Nicnak
    • By Nicnak 16th Oct 18, 6:39 PM
    • 2,313 Posts
    • 14,008 Thanks
    Nicnak
    Thanks Purplemum. The walk wasn't too windy, just a little damp.



    You've been ill Nicnak. We don't feel the cold and we live in a mild climate.
    Originally posted by HairyHandofDartmoor
    I always have felt the cold. I'm not sure why!
    September 6th 2017 - Updated February 2019
    Credit Card 0 now: 0 Dad 1500 = 0 Consolidation 15,000 = 8,200 Total = 25,330 8,200 67% gone EMF #252 = 500/1000
    Sealed pot challenge #024
    Pay off all your debts by Christmas #071
    • beanielou
    • By beanielou 16th Oct 18, 7:11 PM
    • 67,016 Posts
    • 303,391 Thanks
    beanielou
    I have always felt the cold too.
    A feature of CP I have been told.
    Lou~ Debt free Wanabe No 55 DF 03/03/14. MFW. 17 months to mortgage freedom.
    **Credit card debt free 30/06/10~**
    **Weight loss 2 stone 11 lbs **

    "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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 16th Oct 18, 7:15 PM
    • 10,567 Posts
    • 84,356 Thanks
    HairyHandofDartmoor
    I always have felt the cold. I'm not sure why!
    Originally posted by Nicnak
    I have always felt the cold too.
    A feature of CP I have been told.
    Originally posted by beanielou
    Some people just seem to feel colder than others, I'm not sure why. We benefit from our neighbours heat too as we're a terrace although we do have draughty windows.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 3,000/5,000. EMERGENCY FUND 2 = 1,505/5,000.
    CHRISTMAS SAVINGS = 159.37/500
    PREMIUM BONDS ME = 200. PREMIUM BONDS DH = 200
    • Sun Addict
    • By Sun Addict 16th Oct 18, 8:10 PM
    • 7,634 Posts
    • 56,917 Thanks
    Sun Addict
    Anything below 26 degrees is freezing in my opinion I'm another one who feels the cold. People at work are always opening windows or have fans blowing on their desks, it drives me nuts! And don't get me started on air con....
    Virtual Sealed Pot 2019 514.51
    Emergency Fund 3300/10,000
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 16th Oct 18, 8:18 PM
    • 10,567 Posts
    • 84,356 Thanks
    HairyHandofDartmoor
    I'm one of those people who is often hot . 18 - 20 degrees is my ideal summer temperature and I've never minded the cold. It's funny how different people are. It's not connected to body fat either, because some plump people feel the cold and and some thin people feel hot all the time.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 3,000/5,000. EMERGENCY FUND 2 = 1,505/5,000.
    CHRISTMAS SAVINGS = 159.37/500
    PREMIUM BONDS ME = 200. PREMIUM BONDS DH = 200
    • carbootcrazy
    • By carbootcrazy 16th Oct 18, 8:58 PM
    • 6,007 Posts
    • 37,360 Thanks
    carbootcrazy
    I'm one of those people who is often hot . 18 - 20 degrees is my ideal summer temperature and I've never minded the cold. It's funny how different people are. It's not connected to body fat either, because some plump people feel the cold and and some thin people feel hot all the time.
    Originally posted by HairyHandofDartmoor
    I think there's genuine scientific research which shows women feel the cold more than men, something to do with the distribution of body fat I think, even among slim people of both sexes. I think that was the reason anyway. Then there are the differences between people of the same sex. I think it's just one of those things, like tolerance to other things.


    I'm another one who feels the cold but OH is never cold. Leads to some robust debate about when we have the heating on. He's often there in a short-sleeved shirt or T-shirt when I'm all muffled up in a couple of long-sleeved layers. We haven't had our heating on much yet this autumn but our house is detached with single walls (no cavity walls to insulate us) and the inside walls feel very cold to the touch all the year round. We haven't any draughty windows and do have double-glazing but OH is one for having windows open more than I think strictly necessary.
    Original Debt: 56804 (@02/13). Now: 1862.. Just one creditor to go

    Make 2019 in 2019 (#68) 452.71/2019

    Treats Fund 2019: 411.78
    • badmemory
    • By badmemory 16th Oct 18, 11:28 PM
    • 2,692 Posts
    • 4,309 Thanks
    badmemory
    I too feel cold & have since I was 13. I suspect we can all guess what happened then! I also hate air con & extractor fans, their noise hurts my ears. But I have no problem with my dehumidifier. Thankfully, as my DSs 30 min showers perform miracles on the humidity meter. It only goes up to 99%. Regularly! The last time I actually felt too warm was in Malta in June 1987 when the temp was 90degs.


    Incidently the dehumidifier has banished all the mould despite drying the washing on airers in the house. I have become a big fan!
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 17th Oct 18, 7:42 AM
    • 10,567 Posts
    • 84,356 Thanks
    HairyHandofDartmoor
    @carboot @badmemory I get too hot every time the temperature goes above 20 degrees and my sister is the same . We both tend to rush around a lot and I get hot when I'm stressed. Neither of us is overweight so it's nothing to do with that. I'm the person in the room with short sleeves when everyone else has a cardigan on . It's very hard to explain.

    @badmemory Is a dehumidifier cheap to run? Our house is damp because the render is cracked and lets rain in, but we can't afford to have the whole house re-rendered and painted as I reckon it would cost ten grand. So we're fighting a losing battle against damp .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 3,000/5,000. EMERGENCY FUND 2 = 1,505/5,000.
    CHRISTMAS SAVINGS = 159.37/500
    PREMIUM BONDS ME = 200. PREMIUM BONDS DH = 200
    • in need of direction
    • By in need of direction 17th Oct 18, 7:50 AM
    • 6,070 Posts
    • 37,921 Thanks
    in need of direction
    I regularly pick up those damp tramp multi pack things in pound world type places. They aren't bad as a cheap interim measure in the dampest areas.
    Mortgage at 01.01.14 119,481.83 today 65379.50 target 65,000 by 05/04/19 Offset fund today 826.16 target 1000 by 31/12/19
    Emergency fund 4250/5.5k & 200/200 cash.
    Weight 24/02/19 14st 7lb now 13st 8lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Nicnak
    • By Nicnak 17th Oct 18, 8:08 AM
    • 2,313 Posts
    • 14,008 Thanks
    Nicnak
    Isn't it interesting how we feel cold differently. I have an electric blanket for the bed as well!

    x
    September 6th 2017 - Updated February 2019
    Credit Card 0 now: 0 Dad 1500 = 0 Consolidation 15,000 = 8,200 Total = 25,330 8,200 67% gone EMF #252 = 500/1000
    Sealed pot challenge #024
    Pay off all your debts by Christmas #071
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 17th Oct 18, 8:28 AM
    • 10,567 Posts
    • 84,356 Thanks
    HairyHandofDartmoor
    I regularly pick up those damp tramp multi pack things in pound world type places. They aren't bad as a cheap interim measure in the dampest areas.
    Originally posted by in need of direction
    Good idea INOD I'll look out for them. What do they look like?
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 3,000/5,000. EMERGENCY FUND 2 = 1,505/5,000.
    CHRISTMAS SAVINGS = 159.37/500
    PREMIUM BONDS ME = 200. PREMIUM BONDS DH = 200
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 17th Oct 18, 8:29 AM
    • 10,567 Posts
    • 84,356 Thanks
    HairyHandofDartmoor
    Isn't it interesting how we feel cold differently. I have an electric blanket for the bed as well!

    x
    Originally posted by Nicnak
    It is very odd. I'm lucky I guess because I save on heating, but I do suffer in the summer with being hot and bothered. DH feels the cold more than I do!
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 3,000/5,000. EMERGENCY FUND 2 = 1,505/5,000.
    CHRISTMAS SAVINGS = 159.37/500
    PREMIUM BONDS ME = 200. PREMIUM BONDS DH = 200
    • carbootcrazy
    • By carbootcrazy 17th Oct 18, 9:01 AM
    • 6,007 Posts
    • 37,360 Thanks
    carbootcrazy
    It is very odd. I'm lucky I guess because I save on heating, but I do suffer in the summer with being hot and bothered. DH feels the cold more than I do!
    Originally posted by HairyHandofDartmoor
    Although I feel the cold I much prefer the colder seasons than the summer. I just can't cope with the excess heat and never have been able to. This last summer was a nightmare for me. I've suffered from heatstroke on foreign holidays, I was even hospitalised once in Australia, and have suffered a lot with prickly heat rash which caused small blisters especially between my fingers and other very inconvenient places over the years even in UK summers.


    I much prefer the cold weather as I can add and remove extra layers as necessary, although I suffer from very cold hands and apart from wearing gloves indoors I can't see a remedy for that one. I have a friend who suffers from Reynaud's Disease which makes her fingers really turn blue in winter. I definitely don't have that but mine go whiteish and are painful when I warm them up too quickly afterwards.
    Original Debt: 56804 (@02/13). Now: 1862.. Just one creditor to go

    Make 2019 in 2019 (#68) 452.71/2019

    Treats Fund 2019: 411.78
    • Purplemumof2
    • By Purplemumof2 17th Oct 18, 9:40 AM
    • 7,290 Posts
    • 28,023 Thanks
    Purplemumof2
    I too feel the cold, I'm never without a jumper or cardi on even during the summer.

    DH laughs at me because during the summer, I still have to be under the quilt to sleep regardless of how hot it is
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    MBNA: 4250.00 Lloyds: 8400.00 BC: 454.50 Cap One: GONE
    Oct LTW 8/17 ~ NSD 5/10 ~ AFD 2/10
    PAYDBX 2019 #0 41 PD 4108.48/5604.30
    Savings for Christmas 501.22/500 ~ EF 160/500
    20p Savers 2019 2 Savers 2019 50p Savers 2019 SPC 12 2019 #003
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 17th Oct 18, 11:15 AM
    • 10,567 Posts
    • 84,356 Thanks
    HairyHandofDartmoor
    Isn't it interesting how we feel cold differently. I have an electric blanket for the bed as well!

    x
    Originally posted by Nicnak
    Although I feel the cold I much prefer the colder seasons than the summer. I just can't cope with the excess heat and never have been able to. This last summer was a nightmare for me. I've suffered from heatstroke on foreign holidays, I was even hospitalised once in Australia, and have suffered a lot with prickly heat rash which caused small blisters especially between my fingers and other very inconvenient places over the years even in UK summers.


    I much prefer the cold weather as I can add and remove extra layers as necessary, although I suffer from very cold hands and apart from wearing gloves indoors I can't see a remedy for that one. I have a friend who suffers from Reynaud's Disease which makes her fingers really turn blue in winter. I definitely don't have that but mine go whiteish and are painful when I warm them up too quickly afterwards.
    Originally posted by carbootcrazy
    Have you tried cashmere gloves Carboot? My mum gave me some fingerless one which are thin, but very warm and soooo soft. You would need ones with fingers I think. Expensive but maybe a good investment? My mum gave me some sheepskin mittens once too which are so warm that they feel heated! My mum was always buying me lovely things, she was so thoughtful

    I get a heat rash on the back of my neck when it's hot and have had heat stroke in the past. I don't think Australia would agree with me . I'm better adapted to cold climates.
    Last edited by HairyHandofDartmoor; 17-10-2018 at 11:19 AM.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 3,000/5,000. EMERGENCY FUND 2 = 1,505/5,000.
    CHRISTMAS SAVINGS = 159.37/500
    PREMIUM BONDS ME = 200. PREMIUM BONDS DH = 200
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 17th Oct 18, 11:21 AM
    • 10,567 Posts
    • 84,356 Thanks
    HairyHandofDartmoor
    I too feel the cold, I'm never without a jumper or cardi on even during the summer.

    DH laughs at me because during the summer, I still have to be under the quilt to sleep regardless of how hot it is
    Originally posted by Purplemumof2
    Awww how do you survive the winter?
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 3,000/5,000. EMERGENCY FUND 2 = 1,505/5,000.
    CHRISTMAS SAVINGS = 159.37/500
    PREMIUM BONDS ME = 200. PREMIUM BONDS DH = 200
    • doingitanyway
    • By doingitanyway 17th Oct 18, 11:37 AM
    • 4,624 Posts
    • 29,435 Thanks
    doingitanyway
    Like you Hairyhand I think the fingerless cashmere gloves are the key. I use Turtledoves.
    Car costs savings: 500
    Xmas savings 250
    IF NOT NOW THEN WHEN?
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 17th Oct 18, 11:43 AM
    • 10,567 Posts
    • 84,356 Thanks
    HairyHandofDartmoor
    Like you Hairyhand I think the fingerless cashmere gloves are the key. I use Turtledoves.
    Originally posted by doingitanyway
    They're lovely aren't they and you can type and write wearing them, perfect for indoors .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 3,000/5,000. EMERGENCY FUND 2 = 1,505/5,000.
    CHRISTMAS SAVINGS = 159.37/500
    PREMIUM BONDS ME = 200. PREMIUM BONDS DH = 200
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 17th Oct 18, 12:03 PM
    • 10,567 Posts
    • 84,356 Thanks
    HairyHandofDartmoor
    I did my weekly food shop this morning. It came to 59.31 which is within our 60 budget. I had to pass on some tempting Christmas food bargains though as I only had 60 and 40 of that was DS1's contribution from his ESA . We'll be at the food bank next week if someone doesn't pay us .

    DH had a sales meeting today with a new lead. If they go for it then that would help our budget enormously, so fingers crossed, but we'll have to wait and see.

    DH had another letter from Vanquis Bank. They won't be happy until we've taken out a credit card to "rebuild our credit score". They're offering 1000 with an APR of 39.9% . Strangely enough we're not tempted! Although if they knew our income this month they would probably withdraw the offer with a hollow and mocking laugh .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 3,000/5,000. EMERGENCY FUND 2 = 1,505/5,000.
    CHRISTMAS SAVINGS = 159.37/500
    PREMIUM BONDS ME = 200. PREMIUM BONDS DH = 200
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 17th Oct 18, 2:04 PM
    • 10,567 Posts
    • 84,356 Thanks
    HairyHandofDartmoor
    DH heard back from his meeting and the lead wants to sign up for six months . They will pay monthly, so that will cover the morgage for six months at least . We needed some good news as we lost a similar regular amount last month. So DH has done well .

    If he could make a couple more sales like that it could turn our finances around.

    I need to do some meter readings now and submit them. I suspect we've used less electricity and gas since DS3 went to uni. We're saving 20 a week on food.

    It's three months today since my mum died. It feels longer . It's the longest time I've been teetotal since I was sixteen. I can't say I've missed alcohol. I've still not got much appetite either. I'm sure it will get back to normal eventually. It must be the shock.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    EMERGENCY FUND 1 = 3,000/5,000. EMERGENCY FUND 2 = 1,505/5,000.
    CHRISTMAS SAVINGS = 159.37/500
    PREMIUM BONDS ME = 200. PREMIUM BONDS DH = 200
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