Hello Dear Reader,
I know what it's like to watch the month ticking away without a penny in my pocket. I know what it's like to no money for anything but basics and I know what it's like to be in debt. You see Dear Reader, those of you in debt didn't get that way by wanting to put yourselves on a financial precipice. You probably bought that car, or had that holiday or bought new clothes fully capable of paying for them eventually and then the cost of living rose and took away those 'easy payments' and made them extremely difficult.
We moved to our current home when diesel was 85p a litre and a loaf of bread was 30p (for the value stuff). Our energy bills could be paid with £75 a month and I could run the washing machine and tumble drier and afford both. Then, 2008 occurred and the world tilted on it's financial axis and we've been out of kilter ever since. Suddenly, houses lost value, prices of everyday commodities, including food and fuel went through the roof. I was one of those people left in a very different financial place. I was in the position where I had to cut back and cut back, not to maintain a lifestyle but just afford my debts. Does this sound familiar to you? Then you are either in debt or you've been in debt.
I blog every day and I do so in the hope that I can give just one person the encouragement to pay off their debts and live a simpler life. If just one person cuts up their credit cards and says 'No more spending on credit' then I will be a very very happy woman. We keep hearing the word 'austerity' and we think of life being austere. My life is not austere but overflowing with riches. When you strip your life back to what you need then you really do start to listen to bird song, savour in season strawberries and appreciate a crackling log fire. There is so much joy in having less and living more. Retail is not therapeutic, a walk on the moors and hill top view for free is all the therapy I need after a busy day!
I know some of you reading this might have found me because you've googled 'debt busting' and this week, every post will be full of advice about getting rid of debt.......one pound/dollar/rupee.....at a time! On Sunday, I'm going to be on Radio Cornwall and I'm going to be talking about debt busting. My knowledge is about paying off debt with two jobs and both of us finding extra work to get more money in. I have no knowledge of the misery of spiralling debt that we couldn't control, couldn't pay back and couldn't cope with. I will be signposting agencies and charities that offer free debt counselling and advice and if you've used any, then I would be appreciative of a recommendation. I will be able to give budgeting advice and won't be afraid to share what I did to cut back and if people want to do likewise, then they are free to do so. I'm happy to give advice too if that's what folk want.
I would love you to email your: debt has gone and how we did it stories, up to our neck in debt and barely coping stories, what it's like to be in debt and struggling to pay it off stories to firstname.lastname@example.org and to title if for Frugal Queen on Sunday. I'm more than happy to mention no names to respect privacy. Please email email@example.com if I can give you any advice or encouragement on debt repayment. Please feel free to email firstname.lastname@example.org with any budgeting tips that would help folk keep their finances under control.
Remember Dear Reader, I know what it's like to lose sleep over financial worries and I know what it's like to have to turn the heating off and leave it off because I just couldn't afford it. I also know what it's like to walk tall knowing I'm now debt free. Please share your stories here in comments, email me confidentially if I can help and come back for the rest of the week when I'll be sharing some advice about getting rid of debt and getting on with the rest of your life.