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SURVIVAL....again !!!!

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8 months 1 week ago #511866 by polar
SURVIVAL....again !!!! was created by polar
My divorce was nearly 13 years ago !!
I write from a position of pure survival at time when the situation was similar to the one facing everyone today so I claim to speak with some authority.

I do not claim to be an angel or saint and many of my ideas posted here seen to duplicate the situation back then.

Putting my history in a nutshell.

My ex walked out ad we had agreed a settlement....THEN.... Th 2007 recession hit and my assets fell like a brick.My daughter stayed loyal and we pulled through the best be could even though at the tme my daughter was as university ...taking 2 degrees. Finacially crippling.

My social group was destroyed by my x's rumours and I was ALONE except for her support.

Maybe my survival was instinctive. My ideas slightly radial. Many would apply today but be free to choose / reject some as you see fit !!

OK lets start !!
Go through all of your paperwork and get it in order. Discuss your situation with as few people as possible as many of your friends are NOT friends at all and will pass anything on to your x at the first chance to point score.

Sift every bill, invoice etc and see what you can cut out of your life. There are huge savings to be made by changing suppliers on mobile phones, power supplies,cable TV (freeview,freesat etc)

DO YOU REALLY NEED THE EXTRAS ?

Look for benefits like single persons council tax etc. Does your childs school have uniform grant , free school meals , a fund for school trips etc etc.

Not all childrens activities cost $$$$$$$. My daughter joined the army cadets and had a whale of a time getting all he Duke of Edinburgh awards at no cost.

Do you need branded goods ? Are there 2 for the price of one offers? Remember that putting a pound in a building society will earn ONE PENNY over a year. A 'free' bottle of shampoo will make many times that return.

Do you have to buy NEW every time. My daughter looked on facebook, gumtree etc for clothes at a fraction of new costs.

One very important skill to learn was to TALK TALK TALK. This skill has been largely forgotten with social media taking over. I have found clubs, events, which were never on the social media platforms which cost ZERO.

THERE IS A VERY GOOD SAYING. ''IT IS NOT WHAT YOU SPEND THAT SAVES MONEY. IT IS WHAT YOU CAN SAVE ON SIMILAR ITEMS.

Another one is ''LOOK AFTER THE PENNIES. THE POUNDS WILL LOOK AFTER THEMSELVES''.

THIS CRISIS WILL END !!! The aim is to get through it !!!!

I do not wish to sound smug. Anything but !!! For 5 years my daughter and myself skrimped and saved. Borrowed things instead of buying. You name it we tried it.

I will let you calculate some very simple things. My friends stopped to buy a sandwich and a coffee every morning. One day they woke up and calculated that the cost of this was their MORTGAGE payment !!!

Money has a habit of running away!! One pack of cigarettes at £9 a day equals £270 a month !!! ERK.

As I said I do not wish to sound smug but for 5 years my daughter and myself rebuilt using this formula. OH they were hard times. VERY HARD. VERY VERY HARD.

After about 5 years this eased and did so year upon year until we found ourselves roughly back in the same financial position (I was and we both were) that we were on day one.

I am sure that other members will add 100001 other money saving tips / methods of cutting out spending etc.

The secret is to impliment money savings as soon as possible because once you borrow money this will hold back recovery.

Good luck !!!

Polar

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8 months 1 week ago #511867 by WYSPECIAL
Replied by WYSPECIAL on topic Re:SURVIVAL....again !!!!
Great post..

Things do get better.

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