luluj wrote:
...to appreciate the finer things in life, learn tolive well within a budget, and learn to realise that the simplest of things in life can be fun and rewarding !!!...
I agree with that, as the old adage says "the best things in life are free". The thing we find most realxing and rewarding is going for a walk on the local beach - a 5 minute ride away.
"It's better to be in control on a small budget than to be out of control on a large budget."
We feel content and at peace...and a lot of the credit for this goes to the folk who are a part of this site...IPs and experts and friends and newbies and admin..... "We're starting to feel like that"
so in answer to which year is the hardest...maybe the true answer to that is...the ones BEFORE entering into an IVA or the one before you find this site.!!! "and that is exactly how we feel"
Instead of now dreading the future, we're now actually looking forward to it. My new motto is:
"It's better to be in control on a small budget than to be out of control on a large budget."
"It's better to be in control on a small budget than to be out of control on a large budget."
Yes, I know, we're so lucky. I would hate to be far from the sea. As my hubby says, it cleans the sole. We've defintely needed a lot of sole cleaning recently!
"It's better to be in control on a small budget than to be out of control on a large budget."
I agree a walk along the beach helps so much....I've spent so much time walking across the various beaches close to my home, these past couple of years.[8D]
Superb posts moretolife and ladyh - it shows how with commitment how one can survive and get through this frugal period - and be stronger at the end of thejourney. Good luck to you both.
Regards, David Mond, Insolvency Practitioner for over 46 years. Personal Insolvency Practitioner of the year 2012, Personal Insolvency Practitioner of the year finalist 2013 & 2014 awarded by Insolvency & Rescue Magazine and 2015 finalist for Personal Insolvency Firm of the Year.
