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    • HairyHandofDartmoor
    • By HairyHandofDartmoor 24th Sep 17, 1:22 PM
    • 4,826Posts
    • 34,126Thanks
    HairyHandofDartmoor
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    • #1
    • 24th Sep 17, 1:22 PM
    Finally Debt Free After 34 Years, But Still Need to Live Frugally 24th Sep 17 at 1:22 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 9:49 AM.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
Page 150
    • beanielou
    • By beanielou 10th May 18, 9:32 PM
    • 56,767 Posts
    • 230,852 Thanks
    beanielou
    Another vote for the friend coming to see you but i would be the same. I would also having a mad tidying frenzy
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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. MFW 2018. No 144
    • Chrystal
    • By Chrystal 10th May 18, 9:49 PM
    • 399 Posts
    • 2,579 Thanks
    Chrystal
    What's the betting she also does the same before you go?
    That's why it always looks immaculate!
    I Believe.....
    That it isn't always enough, to be forgiven by others.
    Sometimes, you have to learn to forgive yourself.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th May 18, 9:53 PM
    • 4,826 Posts
    • 34,126 Thanks
    HairyHandofDartmoor
    What's the betting she also does the same before you go?
    That's why it always looks immaculate!
    Originally posted by Chrystal
    She may well do, but my house doesn't look as good as hers even after I spend hours cleaning . But she doesn't work and only has one adult child at home so that's my excuse .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 10th May 18, 10:11 PM
    • 56,767 Posts
    • 230,852 Thanks
    beanielou
    She may well do, but my house doesn't look as good as hers even after I spend hours cleaning . But she doesn't work and only has one adult child at home so that's my excuse .
    Originally posted by HairyHandofDartmoor
    My excuse is the cat
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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. MFW 2018. No 144
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 10th May 18, 10:27 PM
    • 4,826 Posts
    • 34,126 Thanks
    HairyHandofDartmoor
    My excuse is the cat
    Originally posted by beanielou
    The cat?
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 10th May 18, 10:35 PM
    • 56,767 Posts
    • 230,852 Thanks
    beanielou
    The cakes makes a lot of mess
    Well he does shed fur
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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. MFW 2018. No 144
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th May 18, 7:07 PM
    • 4,826 Posts
    • 34,126 Thanks
    HairyHandofDartmoor
    Bad cat shedding fur everywhere . The furry moron does that and kicks sawdust all over the carpet .

    I enjoyed seeing my friend and the house looks clean(er) but how long will it stay that way? Sigh.

    I did three PA surveys today and one YG survey . Plus caught up on some work .

    I feel tired after all the extra cleaning so it's a lazy dinner and then an early night tonight!

    I hope everyone has had a good Friday .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 11th May 18, 7:26 PM
    • 56,767 Posts
    • 230,852 Thanks
    beanielou
    Got a You Gov survey too
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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. MFW 2018. No 144
    • beanielou
    • By beanielou 11th May 18, 7:27 PM
    • 56,767 Posts
    • 230,852 Thanks
    beanielou
    Glad that you enjoyed seeing your friend
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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. MFW 2018. No 144
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 11th May 18, 8:00 PM
    • 4,826 Posts
    • 34,126 Thanks
    HairyHandofDartmoor
    Glad that you enjoyed seeing your friend
    Originally posted by beanielou
    Thanks Beanie
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • elizabethhull
    • By elizabethhull 11th May 18, 9:48 PM
    • 245 Posts
    • 1,539 Thanks
    elizabethhull
    it's a lazy dinner and then an early night tonight!
    I hope everyone has had a good Friday .
    Originally posted by HairyHandofDartmoor
    Friday is pizza night for us. I play badminton with a friend, then go back to her house for coffee, chat and sorting out a list of her problems. She has a 'mild cognitive impairment' that makes a lot of domestic admin very difficult and sometimes frankly terrifying (insurance, utilities, tax, etc etc).
    Then I go back home for about 8pm and defrost 2 Asda pizzas !
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 12th May 18, 8:43 AM
    • 4,826 Posts
    • 34,126 Thanks
    HairyHandofDartmoor
    It's very kind of you to help your friend like that. No wonder you have a lazy dinner on a Friday . I used to love badminton but haven't played for years.
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • beanielou
    • By beanielou 12th May 18, 10:35 AM
    • 56,767 Posts
    • 230,852 Thanks
    beanielou
    Enjoy your Saturday saunter
    Hope the sun is shining.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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. MFW 2018. No 144
    • elizabethhull
    • By elizabethhull 12th May 18, 11:33 AM
    • 245 Posts
    • 1,539 Thanks
    elizabethhull
    Woo-hoo, redeemed 50 on YouGov today ! Last redeemed September 2016, so it takes a while. Where are you up to HHOD ?
    • beanielou
    • By beanielou 12th May 18, 5:15 PM
    • 56,767 Posts
    • 230,852 Thanks
    beanielou
    I am one from payout !!!55357;!!!56842;
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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. MFW 2018. No 144
    • carbootcrazy
    • By carbootcrazy 12th May 18, 6:16 PM
    • 4,945 Posts
    • 28,123 Thanks
    carbootcrazy
    Well done, Elizabethhull and beanilou on doing so well with YouGov


    I agree with you, Elizabeth, it certainly does take a while. I just need another 3@50 points to reach the magic 5000. I bet they'll take me months to get though.


    Can I ask all you people who seem to get lots of YouGov surveys, do you wait for an invitation email from them or do you check your account regularly to find any?
    Original Debt: 56804 (@02/13). Now: 9111. Under 10K at long last.
    • beanielou
    • By beanielou 12th May 18, 6:51 PM
    • 56,767 Posts
    • 230,852 Thanks
    beanielou
    I have started checking recently.
    I dont think it makes any difference to be honest.
    I think my problem now is I am not interesting enough for them.
    After this payout I wont be continuing.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **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. MFW 2018. No 144
    • carbootcrazy
    • By carbootcrazy 12th May 18, 7:02 PM
    • 4,945 Posts
    • 28,123 Thanks
    carbootcrazy
    I have started checking recently.
    I dont think it makes any difference to be honest.
    I think my problem now is I am not interesting enough for them.
    After this payout I wont be continuing.
    Originally posted by beanielou
    Thanks

    I'm not interesting enough for them either, although that's also the way on lots of other survey sites that I tried. I've now culled what were unproductive, either because they never sent surveys, always screened me out or it took years to reach the payout level.

    Like you, I'm going to unsubscribe from YouGov as soon as that 50 has been received.
    Original Debt: 56804 (@02/13). Now: 9111. Under 10K at long last.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 12th May 18, 8:51 PM
    • 4,826 Posts
    • 34,126 Thanks
    HairyHandofDartmoor
    Enjoy your Saturday saunter
    Hope the sun is shining.
    Originally posted by beanielou
    Thanks Beanie, sunny spells anyway .

    Woo-hoo, redeemed 50 on YouGov today ! Last redeemed September 2016, so it takes a while. Where are you up to HHOD ?
    Originally posted by elizabethhull
    I'm just over 3000 sigh, it's only taken me a year .

    Well done, Elizabethhull and beanilou on doing so well with YouGov


    I agree with you, Elizabeth, it certainly does take a while. I just need another 3@50 points to reach the magic 5000. I bet they'll take me months to get though.


    Can I ask all you people who seem to get lots of YouGov surveys, do you wait for an invitation email from them or do you check your account regularly to find any?
    Originally posted by carbootcrazy
    I'm going to keep plodding with YG, but PA is my favourite. I've given up on all the others, fed up with being screened out after answering twenty questions .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 12th May 18, 9:00 PM
    • 4,826 Posts
    • 34,126 Thanks
    HairyHandofDartmoor
    I had a good Saturday saunter . It was busy at the shops! I bought 'Ghosts' by Ed McBain and 'Women Who Think Too Much' by somebody or other. (Self development book). Apart from that it was the usual expenditure on buses, coffee, fruit etc.

    After that I emptied all the bins and sorted it all into recycling and trash, did some laundry and spent two hours taking up my trousers (linen ones I bought in Mr T last week 14 - 20% ) as I don't have a sewing machine. I don't mind sewing though because I can sit down and warch telly while I do it.

    Now it's going to be cider and Harlan Coben on Netflix .

    Have a good Saturday everyone .
    Finally Debt Free After 34 Years, But Still Need to Live Frugally
    Debt in July 2017 = 58,766 DEBT FREE 31 OCTOBER 2017
    NEW GOALS - Build Emergency Fund & Loss of Income Fund. Save for house repairs.
    "Tough times never last, but tough people do" - Robert H Schuller
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