It's getting brighter

Another rubbish year for me is almost over. We started off with the death of my uncle and lost several close friends over the year. Husbands suit is having a few outings!! It ended with the death of my Aunt who lived in Somerset but at least we re-connected with that side of the family.

Unfortunately we have lost contact with my Aunt since my uncles funeral and she is selling the bungalow and we have no idea where she is.

Financially we manage but it’s been an expensive year. We’ve had to pay for a drainage system so that the garage doesn’t flood – the front door lock packed up so we had to sort that out (just as we were setting off for Somerset!) and we’ve also had to have the house alarm upgraded. Thankfully we have managed.

Forum wise it has been a bit up and down and we have lost several valued members due to changes behind the scenes but we did see Melanie back and I know she follows the forum. The site had an update – still getting used to that!!

My health is still up and down and this Christmas wasn’t one of the best as I was not at all well. Christmas Day was spent on our own so no Christmas Lunch and Boxing Day we had the son-in-law across (he and my daughter have split up) and we had a good day with him watching rubbish TV and having a few festive drinks.

Hopefully 2017 will be better for us both financially and health wise.

Happy New Year to all.

Last moth proved to be a very expensive one! We have had problems with the water pipes in the road with the very heavy torrential rain and the garage floods as the water travels down the drive, through our drain and just rises up. It has nowhere to go other than the garage so towels and the snow shovel have been utilised to try and sweep it away.

We have now had to have a drain channel put in and a soakaway to see if that helps. An expense we weren’t expecting! Fridge has also gone on the blink and it’s the one electrical item in the house that isn’t covered by any sort of of insurance so it was time to go out and buy another one – this time we’ve had the insurance!!!

Other than that it is fairly quiet. Health is still up and down and I was sorry to see that Andy has left the forum. He will be missed.

We did ok on Pointless and got the trophy but can’t say about anything else now (sworn to secrecy!)

Husband has had a really bad chest infection recently which has had me worried – hopefully he will get past this. My health is up and down.

So fed up of calls to do with PPI and accident claims but can’t ban them from the home phone as the doctors call from a private number.

Daughter and her current problems are driving us to distraction but at least I have the forum to take my mind off things, together with the two dogs and the grandkids.

Sorry for the moan!!

Another month has come and gone and it’s not been a good one personally speaking. My daughters father in law was diagnosed with terminal liver cancer and given a few months to live and then it spread rapidly and within a few weeks he had died. Doesn’t help that daughter and her husband decided to separate just before then.

Both hubby and myself have had health problems which hopefully don’t seem too bad at the moment. Hope we can continue in that way.

On the plus side, we were both chosen to appear on the quiz show Pointless and have done one show (didn’t do very well!) and back down again next week to do the second one. It’s been a great experience and we have met one or two celebrities. Let you know how we get on!!

This year is fast becoming a year of deaths and funerals for us. Lots of hubby’s old colleagues are dying, my uncle has just passed away (funeral this afternoon) and my daughter’s father in law died last night. This is turning into an ‘anus horriblis’ again for us. Comes with getting old I suppose.

On a lighter note, hubby and I are off down to Elstree next week to be on the quiz show ‘Pointless’ – really looking forward to that and meeting up again with our good friends Skippy and her husband for a meal.

Well that’s January out of the way – it’s not been a particularly good one for us. Money has been sparse this month, not because of Christmas (although I do hate being paid before the end of the month then!) but because one of our dogs was ill and so the vet cost us a bit of money. He is insured but the cost was not enough to claim on it. Thankfully he is ok.

We also had to replace fencing panels after the recent winter storms so I have been glad to see payday arrive this weekend!

Sorry for the moan – everything else is ok and it’s good to see the forum doing well.

I’d like to wish all posters on the forum and the genuine bloggers a Very Happy New Year and hope that 2016 brings you happiness and that a lot of you will be debt free.

Weather is atrocious and my thoughts are with those people who are flooded out. We may well be seeing some of those on the forum in the not too distant future through no fault of their own. If so then we are all there to support you and everyone else who has debt problems and don’t know which way to turn.

Happy New Year!!

Another year is coming to an end. It has been a year of highs and lows for us (my health hasn’t been the best) but hopefully next year will be better.

So many posters have managed to finish their IVA’s this year – it’s been great to see but there are also so many who are struggling either in an IVA or need to seek advice about getting a debt solution.

The blogs are great, although not many people maintain them these days and there is still spam on there, particularly those people who have deleted their blogs (for their own reasons) and others have managed to hack into them and put total rubbish on there. They were designed to help those people who are struggling and who need guidance and support. Hopefully next year will be one where the blogs get back to where they should be.

Once again it’s coming up to that time of year – one of my grandkids points to everything on TV saying she wants it (she’s 3) and of course she is told she can’t have everything!!

Husband and I have long given up exchanging cards or gifts as neither of us want or need anything. We are very much a ‘Bah Humbug’ family these days.

For the rest of the family though there are vouchers – I do a lot of online surveys throughout the year for which I save up the points and get the vouchers which are given as gifts. Costs me nothing but time and as I am now retired I have plenty of that!!! Means that Christmas is virtually free apart from one or two odds and sods.

I can recommend doing them.

Nothing to do with debt as such but what an awful week I have had. We did have three dogs at the weekend and now we are down to two.

Poor Suzie appears to have had a stroke over the weekend so we we had to take the heartbreaking decision to send her over the Rainbow Bridge. She really was suffering despite a visit to the emergency vet on Sunday who gave her a jab and some tablets but she got slowly worse so Monday morning we made the trip. It has cost a lot of money but we are insured so will recoup some of the cost.

Won’t bring her back though.