Debt free, low maintenance life due to:
no wife,
no kids, (non that the CSA know about)
no mortgage.
without the 3 above… life is sweet
none of your [zb] business…
I live in a small rented flat ( never earned enough for any kind of mortgage). Car paid off and credit cards cut up in 2009, so no debt whatsoever from then onwards , i have been made redundant twice in 2 years, not had any kind of holiday since 2008 ( not even a day trip to the seaside. I don’t drink or smoke or have any kids ). Now i have enough in savings to not worry about bills for a year or two, my other half and i have inherited a house from a deceased relative, which i have paid for refurbishment/re-decorating and will be rented out in due course to another family member, which will in turn cover my rent, so only utility/food bills to pay out. i am toying with the idea of going on agency for 3-4 days a week next year and taking it easy, I lead a very modest lifestyle and have inherited " yorkshire pockets " from my father.
4aaaa4dd:
none of your [zb] business…
So why are you here and posting?
If a subject doesn’t take your fancy move onto one that does
On a review of your posts you like the “funny” one liners - guess what , this website doesnt like gobby one liners- either join in the discussion in a relevant, civil and constructive manner( and don’t try to get round the autocensor) or we will help you by premoderating everything you try to post- in short stop being a ■■■■
peirre:
Debt free, low maintenance life due to:
no wife,
no kids,
no mortgage.without the 3 above… life is sweet
It’s funny you should say that because the things that make my life sweet are the wife and kids.
…I could always do without the mortgage though.
Paid off the mortgage last year and cleared 2 credit cards with the extra spare cash . Now dont owe anything to anyone. With my pensions and 2 days work a week ive never been so well off
No Debt, No Mortgage. 
Try to outwit the Banks as much as possible with about 15 separate interest paying accounts & ISA’s, Stocks & Shares ISA’s, got a few shares with a few companies. Pay my Barclaycard off every month as well.
Excessive Drinking & Smoking days are behind me, that’s why I’ve got spare cash 
still like a little drink now & again though 
CSA alledged arrears 14000
have an arrangement with the bailiffs
and charge on house but eh ho
Other than a Mortgage, I have no oustanding debt, but I do have debt during a month, but not longer than a month, though I have done from time to time in the past.
But I do use a credit card, as long as you pay it off each month it dont rack up intrest, and it give you protection when buying over the net, or when buying other expensive stuff, like a new Telly, ours packed up a couple off weeks ago, so the Sunday morning went out and got a new one, on my credit card, that purchase being over £100 is then protected by the card company aswell as having the standard warrantee.
My wife uses her CC for virtually all her spending, then pays it off straight away through online banking, but builds up points that she redeems as cash to spend with the retailer whose name is on the card, she brought herself a £40 pair of jeans for £20 from them a few weeks ago through doing that.
I used to have a shell credit card, and the points would rack up from all my purchases, then once a quarter I’d get about a fiver in fuel vouchers from them.
Got 2 new sofas, 1st time in 18yrs weve had new sofas, they are on have now pay next Easter, so weve got them, and until easter that money stops with us, its there ready to pay but in our account not theirs.
I cant see what is the big issue about credit, as long as you use it to your advantage, dont let it run away.
Yes I do have quite a substantial sized debt 
Apart from my mortgage I have no outstanding debt,bank balance is very healthy and have a few isa’s too so all is good at the mo.
Loan for a car, which has a couple of years left on it, otherwise debt free
tachograph:
Mortgage paid and no debts whatsoever
i’ll be the same in 5 days time. last payment on the house comes out then so will be totally debt free.it’s strange because although i’m pleased about it, the main reason being that the missus has a paid for roof over her head if i pop my clogs it’s also a feeling that i’m not a young’un anymore.
humbug:
tachograph:
Mortgage paid and no debts whatsoeveri’ll be the same in 5 days time. last payment on the house comes out then so will be totally debt free.it’s strange because although i’m pleased about it, the main reason being that the missus has a paid for roof over her head if i pop my clogs it’s also a feeling that i’m not a young’un anymore.
Well done.
‘THEY’ don’t have you by the bollox from the moment that happens, was the same for us all of a sudden i didn’t need the car transporters any more, my Mrs took me to one side and told me she didn’t want to be the richest widow in the town, without realising i’d become part of the machine almost, packed it in within the week a very good day that was.
Car loan, no car - no job so needs must. Be glad when it’s paid for mind.
DAF95XF:
Yes I do have quite a substantial sized debt
+1…
peirre:
no wife,
no kids,
no mortgage.without the 3 above… life is sweet
Is it…? I don’t have any of those but financially life isn’t that sweet for me… I think the trend here is that most truck drivers have life experience so they are wiser in every aspect, some from learning from their mistakes:)
peirre:
Debt free, low maintenance life due to:
no wife,
no kids,
no mortgage.without the 3 above… life is sweet
works for me too. I earn a comfortable lifestyle but not greedy. I use £100 a week for daily expenses and pay bills once a month. I could live on half of what i earn but who wants to work for no pocket money? I bought a car 2 months ago for £250 and 3 weeks ago which passed its MOT first time which means i am no rush to spend everything on my other car to fix it. Right now i am just plodding along putting a bit of cash aside for no specific reason other than a niggly feeling saying i should build up a little nest egg. I have never done it before and i don’t know why i feel that doing so may be wise 
I think the majority are older therefore wiser 
, i got my car brand new on finance something I do and don’t regret , I do regret it because it is a lot of money and I would be lucky to get a quater of it back when it’s paid of but on the other hand it’s taught me to budget and not go stupid with money , on that note I’m not interested in a mortgage , I know once they are paid off they are good but paying 350 a month for 5years is long enough never mind 25-30 lol
Rhythm Thief:
I have the ■■■ end of an unwisely maxed credit card, and my overdraft. And my mortgage, which I’m not counting.
Those that live within their means suffer from a lack of imagination; Wilde quote I think.
I on the other hand work to this principle: when someone rings up asking for money I say , Well I’ll put you in the hat. They say what in an arsey way? Well I say, at the end of the month I gather all my debits and pick one out of the hat, if I can afford I pay. They say WTF are you talking about, we, our company needs paying!! I say, look; take that attitude with me you aint even going in the hat!!
Sleep well, their owed the money if it’s a *ock sucking bank or parasitic credit card company, offer them a pound a month if all else fails, keep singin and dancin
I suspect that although it appears that a very high percentage are debt free its actually the opposite but the people with any kind of debt either think it’s no one else’s business or maybe even be a little embarrassed. Yes I do have debt, the other half had a new car this year so there’s a large chunk there, I don’t mind taking on interest free debt, buy now pay over a year with 0% finance. I’m considering getting a loan to buy myself a car a friend is selling and is a bargain, I have two other cars that I am selling and these will cover the loan and pay it off when sold, one is a convertable so I’ll wait untill next spring before selling that one, even with paying interest for a few months the car I’m considering buying is still a bargain so I’ll probably do it, any debt I do decide to take on is nothing I can’t afford, we eat out often and do as we like, have a bit saved up for emergencies, I personally think debt is not a bad thing as long as its well managed and you don’t try and live a champagne lifestyle on a lemonade budget