Howdy. I've been waiting for this video to upload to yooootoooob, at last it is live. I have waffled on a bit, I really ought to make them shorter, never mind, it's done now. It's about identifying your needs and wants, do you know the difference? The message is that you can't have everything you want if you don't have the means to pay for it. I'm sure most of my readers know that already, but there are still a lot of people who get it mixed up, this is why they are in so much debt. I see it all the time on MSE forum, they need to cut their spending to pay off their debts, but think they can still carry on the lifestyle they have become accustomed to. This is not sustainable in the long term if someone wants to become debt free.
See what you think, have I explained it well enough, will people get it? I can only keep passing the message on and hope that it will help a few people to untangle themselves from the suffocating debt they find themselves in.
Hey, a bit of good news. A cheque arrived in the post today, from Santander, my mortgage provider. Apparently they made a mistake with their figures when I paid off my mortgage in 2013. They charged me too much for an administration fee. So now I have a refund of £134 which includes interest, less the income tax on that interest. It just goes to show that you can't trust anyone these days. I wouldn't have known about this so I am pleased they are honest about it.
I am joining in with Frugal February on Down the Lane Forum. To read my diary click on this link. You can read the other frugal diaries as well, you don't need to join anything.
Thanks for popping in, we'll catch up soon.
13 hours ago