CAP = Highly recommended!

Wednesday, 9 March 2011

CAP = Highly recommended!

What a lovely organisation. Really understanding and very supportive. Technically I am not behind with payments at all but the savings are significantly depleted and I am not earning enough to deal with emergencies as they present and require savings. CAP ( Christians against Poverty) people were brilliant and will negotiate with my creditors (3 of them) on my behalf. I pay CAP and CAP pays them. I agree to not take out anymore debt and only deal with CAP ( this is not an issue- really its not). Am still sour about things generally - having to do this and not have choice in my life and that being debt free will take longer than I had hoped ( unless the house sells) but at least its manageable. takes the fun out of thrifting a bit - as I always went for preloved and new to me on point of principle and green leanings. Will keep you posted re the progress with CAP. Have a new bank account to open next week - they got the time mixed up today so only got bits of it complete.

Biggles paid for coffee and cake ( nice chap that he is) and Gorgeous one had an accident. I had to buy trousers from Oxfam £2 and socks and pants - not from Oxfam but M and Co which came to £9!!!!!!!!!!!!! Should have made her put up with being commando and barefoot in shoes but we had a while to go before home and she would have created big stylee!!! I will put the socks away for next year. No pants a larger size either only smaller or far too big so that was a bit of a waste too. Oh well and she is normally so very very good! And its one of the only high street kids shops in the town!!! ( Sainsbury's, a very posh shop, and a local one with outlets in the wider area - mostly school outfitters but not that much cheaper and closed half day on a Wednesdays!!) I really miss Woolworth's in cases like this! living in a small town this is a draw back not having cheap high street shops at your disposal in cases like this.

Quick tea this evening - oven chips ( they have to be used up and chicken/fish fingers/ beans etc. I may have egg as I am a fan of the family Friday classic of yesteryear! )

Saw a fabulous blue Edinay Ronay short mac style jacket on sale for £20 in Oxfam - was really tempted and got as far as trying it on - was a bit too tight so I am really really glad!!!!! After yesterdays find I am unable to justify further expenditure and it was rather lovely............ and another Paul Smith skirt that I refused to pay £15 for!!!!!!!!!!!!!!!

Gorgeous Day earlier - bit cold after 1pmish.. can't wait for warm spring days heralding summer!!!

3 comments:

Eeek9 March 2011 at 11:16
Oh and I beatiful brooch - flower shaped but with long petals , can't describe it but was fabulous........... sniff
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Kim10 March 2011 at 13:22
Good job on the resistance!! Bad luck with the unforeseen spends... needs must tho eh? ;)
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Eeek10 March 2011 at 13:25
Yeah - bit of a waste but thats the way the cookie crumbles! Onwith the debt management!!! Bit miffed as I had it under control before the new era but got to get on!

Thanks!!!
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Why do I Blog!

Well primarily for me its a cathartic get it off my chest / a means to organise thoughts / to take stock. A journal that in 2012 has an interactive ' Dear diary' that is vast.

I don't write to share wisdom. Have very little of that. I don't claim to have an aspirational lifestyle of any kind. I dont write for it to be read even. If it is and my mad mixed up life interests people, makes them laugh, is a bit of a soap opera, whatever then that's great. Blogging - a bit of an affirmation of real life life choices maybe....

Sometimes my blog brings order and reflection to the real world. Sometimes Blogland folks share pearls of wisdom which is very very cool! :-)

I ve gained a great deal from reading other peoples blogs. Different ways of life are always interesting. I don't get involved in giveaways or stuff like that. I think its lovely though. Am pants at choosing gifts and it would give me no end of nightmares.

I read blogs before I blogged. Some people share so much and through reading I have learnt a great deal.Practical and otherwise.The tips are fantastic for frugal stuff. As are the stories of strangers lives. INSPIRATIONAL and all wonderfully different.

I m a bit of a roller coaster girl up and down. The blog keeps me more train like. Also an outlet for the negative stuff. A bit like wind. And by that I mean the gaseous stuff. BETTER OUT THAN IN. My blog is then a load of old fart.....this amuses me greatly.

Thanks Dave!!!

Once upon a time the end was in sight and financial freedom from my little debt of under 5k was nearly within my grasp! December 2012 if not before with the benefits of frugality however our friend Dave had other plans!!!!

I was made redundant from my job with a pish package I took what I could find till a full time position. Finally taking a 10k salary drop.

In 2009 I invested in property buying my house with a 15% deposit. n 2011 after three years of home owning and negative equity to the tune of 12k I have finally sold and now have jack bloody buggery shite. What smarts is that I gave up time with my small child in favour of seeking security for us. If only I had done the opposite....... rented, claimed top up benefits and saved my hard earned cash .... quality of life for me and weeny girl for three years would have been be better and we would have a cash sum in the bank and no debt.

You play frugal, play independent, watch your consumption, don't do frivalous sofas or new cars, no nights out at the pub type debt just what you have to! After a double whammy from the government - house market slump and Local Authority redundancy compounded by rural living what is a single mum supposed to do???? = Suck it up, Keep smiling, and use a brush instead of a hoover.