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How We Got out of Debt

Updated on December 3, 2018

You've seen How we got into Debt

In the last hub you saw how we got ourselves way over our heads into debt. It happened just a little bit at a time and we ended up with no idea at all how we could get ourselves back out.

With increasing debt, no money, and two young children the pressure was tremendous. The pressure was taking its toll on our relationship and on our health.

The only time we seemed to have problems at that time was over money and our views on money.

I would want to follow my mum’s way of doing things. Like my mum I did not want to buy anything that I couldn’t pay cash for. I had seen at first hand how well this approach had worked for my mum.

My husband's philosophy at that time was more of the 'live now pay later' leaning. My husband was a much stronger personality than I was, and still is come to that.

Back then I always deferred to My husband. After all he went to work to earn the money we were spending. So I thought it only right that he should have the main say in how we should spend it.

No Money

We had no money left after paying off the cards
We had no money left after paying off the cards

Something Has To Give

Things became so bad and we owed so much money that none of the money that my husband earned was ours.

We had so much debt that we hadn’t got even enough money coming in to pay off the minimum amount due on the our credit cards.

After we paid the minimum allowed each month on the cards we had no money left to live on.

Something had to change, something had to give we couldn’t go on living like this.

We also couldn’t just do nothing, because the situation was getting worse all the time.

We would go no further

We decided to take a stand and draw our line in the sand
We decided to take a stand and draw our line in the sand

A Line in the Sand

My husband and I had a chat and we decided that it was time to draw a line in the sand and say this far and no further.

We knew that if we didn’t take back control of our lives and money we were going to end up with less than nothing.

We had got ourselves into a a real mess and if we were not careful the mess we were in could end up with us losing our house. Then all the others who had a claim on our money would swoop in and take the rest.

We were already losing control of how to spend our own money. The first thing we had to do on pay-day each month was to pay off what we owed on cards.

We could also see that if we didn't do something soon we could end up also with a bad credit rating.

We knew that if that happened our ability to survive in the modern world would be so much harder.

Mortgages and hire-purchase agreements were the way of life and so a bad credit rating would hurt us.

We needed to keep our good credit rating. It is one thing not to have something because you do not want it . But it different if someone else is saying that you cannot have it.

No More

We got all our cards together
We got all our cards together
We cut every one of those cards into little bits then burnt them
We cut every one of those cards into little bits then burnt them

The Line was Drawn - No More

After talking long into the night my husband and I decided that drastic measures were called for.

The first thing we acknowledged was that all the cards had to go. As long as we had any of the cards there was always the possibility that we would use them again.

There would always be something that could come up where we could feel that we needed to use a card of some sort to fix it. We did not need that sort of temptation.

I knew using a credit card wasn't the answer. It was an illusion, cards didn’t so much give us credit but rather the ability to amass debts.

Debts that we of course would have to to repay.

We were in a mess and we were paying off the minimum each month on our cards.

Each time we bought something on a card we paid much more in the end for the item than if we had used cash. We knew this and if we had taken the time to see just how much more we might not have got ourselves into this mess.

So that night our line in the sand was drawn we decided no more credit or store cards.

So we couldn't chicken out at the first hurdle, we knew we had to do something drastic. We got all our credit and shop cards together and we cut them up into small pieces and threw the pieces on the fire.

With that action we made sure that spending any more on the cards was not an option. Using cards was no longer a way open to us no matter what the emergency.

A drastic measure? YES! Was it scary? You bet it was scary. Yet cutting those cards up was also a liberating.

It was a great feeling watching the cut pieces of all the cards go up in flames. We sat there watching until there was nothing left of them at all.

We now had a Budget

The next payday we paid off as much as we could on all the cards that we owed money on. When we had done that we had nothing left in our account to survive the coming month on.

We then drew out a further £30 in cash, which was the limit that our bank would allow us to go overdrawn.

This £30 was all the cash that we would have to survive the coming month on. If we couldn't get it within our budget of £30 then we couldn't get it at all.

At last we began to slowly take back control of our lives and money, and of course the banks £30 as well.

This worked out at a £1 a day unless it was a month with thirty-one days in then it was slightly less.

I divided the £30 up so that I had so much money each Monday morning to spend that week. On top of the £30 each Tuesday I received my family allowance which was about a further £6.

My disposable income was £12.60p a week or £1.80p daily. With this I had to feed and clothe two adults, two children and feed my daft dog Henry.

Even in the 1970s £1.80p daily was too small a sum to do that. But it is surprising what you can do when you have to.

It took determination and a lot of ingenuity but as they both cost nothing we had plenty of both.

Reduced Items and Jumble Sales

There was always bargains to be had at the supermarkets
There was always bargains to be had at the supermarkets
You just had to search in the right place and you would find your reduced products
You just had to search in the right place and you would find your reduced products
All kinds of fresh products at one time or another will end up on the reduced section if you wait long enough
All kinds of fresh products at one time or another will end up on the reduced section if you wait long enough
Rich picking were to be had at the Jumble Sales
Rich picking were to be had at the Jumble Sales

Reduced Items Jumble Sales and Flea Markets

Now that I had a budget to live within one of the first things I did was not to buy any more branded items.

From that day on if I wanted Cornflakes I would buy the store's own brand of cornflakes. Often the store's own version was nearly half the price of the branded item.

I found that the quality and the value of the store brand goods very good. I found that I didn't really miss the big brand named stuff.

Next I found out where every supermarket in the town had their reduced items space.

This is the space where they put their items that were the end of a line or close to the sell by date. They sold everything that ended up on these shelves at a much reduced price.

Shopping like this actually improved our diet. There were lots of things that we usually could not afford that would end up on the reduced shelves.

Often I was able to buy something like a nice piece of steak near its sell by date for the same price I would pay for sausage,

I also made it my business to find out when the staff usually put that kind of stuff out. Some did it early in the morning some did it late in the afternoon.

Once I found out I made it my business to be there as soon after they did it as possible.

If I got there soon after the assistants put the things on the reduced shelves I got first choice. This way the best bargains of the day ended up in my shopping cart.

I went into town to shop everyday on my bicycle. Sometimes I went in more than once and I would walk from one end of the town to the other just to save a few pennies.

I also went to the library to read the local papers to see if there were any Jumble Sales advertised in the area. I also looked to see if there were any Flea markets Car-boot sales coming up.

Jumble sales, Charity shops and Flea Markets became my go to places for clothes and shoes.

Most of the time the shoes and the clothing at the Jumble sales were in good condition. Often when the previous owners were children they had just out grown their things.

Young children grow so fast and most of the time their outgrown shoes and clothing still has lots of wear in them.

In these places I paid anywhere between 20 and 50p for a pair of children's shoes. This was a huge saving, 50p instead of the £20 I had been paying for a pair on my credit cards.

The Church Jumble sales were always the best. We had many churches in our area. The Church of England churches always had the best quality jumble.

All My Own Work

Here is my son wearing the pyjamas that I made. He loved them and I had enough material to make two pairs.
Here is my son wearing the pyjamas that I made. He loved them and I had enough material to make two pairs.

The Pyjamas

I am not one of those mums who is good at sewing or making things. But when my son needed some new pyjamas I thought I would try making them.

I thought to myself that it was worth a try. After all it was pyjamas and nobody but us would see them.

I had a piece of material that some one had given me and we had a sewing machine.

I didn’t even know how to thread a sewing machine but I soon learnt. My husband use to joke about my lack of skill when it came to sewing. He used to say that I could sew buttons on inside out Lol.

Any sewing needing doing and it was usually my husband that did it. My husband learned to sew in the Navy of all places.

Also his mother was someone that could make just about anything. She made all her own clothes and knitted all her own jumpers and cardigans etc.

He had grown up around this so he had much more idea about these things than I did.

Still not having the brains to know how hard it is to make patterns I set out to make my son a pair of pyjamas.

The first thing I did was to get the piece of material and folded it in half inside out. Then I placed it on the floor and made my son lie down on top of it.

I took a felt tip pen and I drew an outline around him leaving about three-quarters of an inch extra space all around.

I sewed around the outline I had drawn twice so that the material wouldn’t fray.

I then hemmed the bottom of the top and the trouser bottoms. Finally I hemmed the waist leaving a space so that I could thread the elastic through.

I cut around the stitching leaving about a quarter inch between the stitching and where I cut. I hemmed the neck and then I turned it right side in.

Much to everyone’s amazement including mine, the pyjamas looked like pyjamas. In case you are wondering my son loved them.

My little helper

It was an old fashioned book but it had lots of really useful information and advice
It was an old fashioned book but it had lots of really useful information and advice

Living Within Our Means

I would buy the cheapest cuts of meat one such cheap cut was Breast of Lamb. I would buy breast of lamb and bone it make my own stuffing mixture.

I would put the stuffing on the boned breast and then roll the breast up and tie it. I would roast it in the oven with potatoes around it. Boning the breast of lamb was fiddly and it took a lot of time but it was worth it because it tasted delicious.

Even after we got out of our financial mess we still used to have breast of lamb as it was delicious.

I had a copy of Mrs Beeton's All-About Cookery. This was an old cookery book that was re-published in the 1920 and it had many money saving recipes.

This book was so much more than just a cook book. It taught you how to do so many other things besides cooking. Things like mending shoes or getting rid of every kind of stain.

It taught how to manage the household servants and this I found particularly useful(Lol.. I wish ).

We were soon living within our means once again. Some weeks much to my amazement I actually had a little left to carry over to the next week.

Debt Free At Last

One by one the cards got paid off. As each card finished we put the extra money towards paying off the next card. This went on until in the end everything was fully paid up and we owed nothing.

At long last we were debt free, it had been a long time getting here but in a way I am glad that I had to go through this.

That may seem a strange thing for me to say. But the reason I say that I am glad that I went through it is because I learned so much in the process.

I think that the best thing I learned was not everything that I thought was a necessity was in fact a necessity.

Many of the things that I thought we could not live without we did live without, and do you know what we still lived well.

Our values and priorities changed what we considered important changed also.

I am glad we got into money trouble because we found out we didn’t have to live like victims. We also found out that we were far more resourceful than we thought we were.

Strange as it seems it ended up being a positive experience. An experience through which both my husband and I grew and our relationship strengthened.

I am not advocating that you get yourself into the mess we got ourselves into. But if you are there already, let me encourage you. You too can take back control of your life and money and turn this thing around.

Don’t be afraid, if we could do it anyone can. We found that we loved living the way necessity first forced us to go. We loved it so much that once we were free of debt and free to choose it became it became our chosen way to live.

My husband had a couple of pay increases and we got to the point where we didn’t need to go into the red any more.

Soon we had money coming into our hands instead of the hands of all our creditors. We were free now to buy new where we chose rather than where we could get credit.

I did buy new sometimes when I saw something that I liked. But I liked finding bargains at the Jumble sales and charity shops.

I like it so much that even when I had the choice often I would still choose to buy second hand.

Once out of debt we never put ourselves into that situation again. We did get another credit card but only for convenience sake.

We use our credit card to book flights or to pay for hire cars etc., when we go on holiday.

That way the things that we pay for on the card are covered by insurance. This has proved useful on more than one occasion.

The day after 911 we were due to fly out to the USA on holiday. Of course they cancelled all flights to America. We got all our money refunded because we had used our credit cards when we booked.

But now we never put anything on the card that we can’t pay off in full when the bill comes in.

As we found out to our cost credit cards are good servants but very poor masters.


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    • maggs224 profile imageAUTHOR


      15 months ago from Sunny Spain

      @ Tiffany Delite it may not feel easy Tiffany but I can tell you it is much easier than living in debt. You have already taken the hardest steps, and I think you will be surprised how soon you will turn this around. You've taken back the power in this situation, and you are on your way, As you've no doubt found for yourself, it is not only worth it in the end, it is already worth it on the way there.

    • tiffany delite profile image

      Tiffany Delite 

      15 months ago from Wichita, KS

      I definitely know what it is like to live above my means, and I have suffered the consequences of that. I am getting everything straightened back out now, and it isn't easy, but I know it will be worth it in the end!

    • maggs224 profile imageAUTHOR


      3 years ago from Sunny Spain

      @liesl5858 I am so glad that you got out debt and like with your organic veg it always gives you a good feeling when you accomplish something yourself.

    • liesl5858 profile image

      Linda Bryen 

      3 years ago from United Kingdom

      I have been there too Maggs and now I am happy because I got out too through my own effort. Like you I helped myself to get out of debt.

    • maggs224 profile imageAUTHOR


      5 years ago from Sunny Spain

      Thank you poetryman for dropping by and commenting, and I am glad this is under control in your household too :D

    • poetryman6969 profile image


      5 years ago

      Congratulations on getting control of your finances. We found a budget was the key. We have no expensive hobbies like boats or planes and we live below our means!

    • maggs224 profile imageAUTHOR


      6 years ago from Sunny Spain

      @liesl5858 Thank you I am glad that you found it inspiring and you are so right it is a great feeling to be debt free, thank you so much for commenting :D

    • liesl5858 profile image

      Linda Bryen 

      6 years ago from United Kingdom

      Hi! Maggs224, what an inspiring hub. I have been there and I know how it feels like to be debt free again-great feeling. Well done to you and your husband for giving up your credit cards.

    • maggs224 profile imageAUTHOR


      8 years ago from Sunny Spain

      Thank you so much Jacky for your lovely comment it made my day :D

    • JackyDragon profile image


      8 years ago

      That is practical and useful advice, so much so I am going to link it to my very first hub. Thanks for sharing your story. I am sure more people can put to use one or all your steps to ensure they improve their own financial situation. Thanks again!

    • maggs224 profile imageAUTHOR


      8 years ago from Sunny Spain

      Hi Audrey nice to see you here, having a plan and sticking to it really helps and I am pleased to hear that you are in the process of digging yourselves out.

      I have found that in this process it is amazing the number of things I once thought important turned out not to be and it made me realise that people and relationships are far more important than things, and in thoses I consider myself well blessed.

    • AudreyHowitt profile image

      Audrey Howitt 

      8 years ago from California

      Nice to find you here! Great hub and congrats--we now have a plan and stick to it--slowly digging ourselves out--

    • maggs224 profile imageAUTHOR


      9 years ago from Sunny Spain

      Hi wheelinallover, I know what you mean, even when you do everything right something can come along and still knock you right out of the water.

      This recession has caused many a sound hardworking business to go under because customers no longer have money to spend on their products. In this climate you can do everything you know how to in order to turn things around and still fail.

      I live in Spain and just yesterday I heard that three of our regular customers have lost their jobs and that means we have lost three customers because they will not have the money to spend.

      I hope that things turn out right for you, try not to worry as it doesn't help and it tends to blind us to what we do have.

    • wheelinallover profile image

      Dennis Thorgesen 

      9 years ago from Beatrice, Nebraska U.S.

      I have walked in the shoes your article talks about. Got out of them very much the same way you did. Cut up the cards and paid off the lowest balances first, worked up the line till they were all paid off. Unlike you I am now buried about as deep as I was before, and going into default on some of my credit. I am in business but not earning enough to pay things off, just kept going deeper in trying to make enough sales to off set the debt payments. I am on a sales trip now and if things don't turn around soon, I am going to be cutting cards for the last time after I get home. I would tonight but then I wouldn't have the money to get home.

    • maggs224 profile imageAUTHOR


      9 years ago from Sunny Spain

      Hi mailxpress, It sounds to me like we have got much in common :)

    • mailxpress profile image

      Michelle Cesare 

      9 years ago from New York

      I agree. Making adjustments to only purchasing what is needed and learning how to stretch a dollar is a life learned lesson. Times got so tough for me that when I finally got control of my expenses I still follow many of the lessons I learned like shopping for bargains and take pride getting good quality for spending a little money. Wow, great read and it shows getting out of debt can be done while enriching our lives.

    • maggs224 profile imageAUTHOR


      9 years ago from Sunny Spain

      Hi Dexter, You are so right it does take hard work and dedication but the results are so worth it. Congratulations on getting out of debt

    • profile image


      9 years ago

      This is a very inspiring hub! I also got out of debt and it took hard work and dedication

    • maggs224 profile imageAUTHOR


      10 years ago from Sunny Spain

      Hi Story, I found making the decision to draw the line the hardest part. It seemed that we could always find reasons to start next payday or after we have sorted such and such out. We went on like this for ages always having a good reason to put off drawing that line.

      Once we drew the line and cut up our cards it was surprising how much easier life became for us. We were wearing ourselves out with all the indecision and worry leaving precious little energy for enjoying our life.

      Seems like you are ready to draw your line and I am sure that you will enjoy having the power back in your hands. Thanks for leaving such a nice comment.

    • Storytellersrus profile image


      10 years ago from Stepping past clutter

      maggs, this is brimful of great ideas. My kids are off to college, leaving Jack and I with debts beyond our ears. I am taking stock of your philosophical pov, i.e., credit cards as servants. I began this last weekend... must have been preparing for reinforcements from this great hub. I voted you thumbs UP! Keep up the great and inspiring work.

    • maggs224 profile imageAUTHOR


      10 years ago from Sunny Spain

      Hi tm glad you enjoyed the hub, I was rubbish at sewing I was the only girl at school that had a brand new cap and apron for cookery in my final year at school.

      The cap and apron was the first article every girl made in the Needlework lessons and most finished theirs in the first six weeks it took me four years because the teacher was never satisfied with my work and kept making me unpick my stitching and do it again.

      I became the fastest unpicker and would often do a bit of unpicking for the other girls if they would do a bit of stitching for me. It was only their stitching that ever got passed so that I eventually got my first article finished after four long years. My cap looked like it was made out of lace it had been sewn and un-picked that many times. Lol…

    • tmgonzalez profile image


      10 years ago from Northern CA

      I loved this one, great information! I only wish I could sew, I would certainly save myself a load of cash.

    • maggs224 profile imageAUTHOR


      10 years ago from Sunny Spain

      Hi U Neek, I am so glad that you found this hub encouraging, and half the battle when it comes to getting out of debt is making the decision to do that. It sounds to me like you and your family are well on the way to becoming debt free.

    • profile image

      U Neek 

      10 years ago

      So glad you learned to "manage the household servants." LOL Our family is working hard to get out of debt and this hub is very encouraging. Thanks for sharing!

    • maggs224 profile imageAUTHOR


      10 years ago from Sunny Spain

      Hi gogozile I have confidence that you will do what you have set oput to do, I look forward to hearing of your success. Making the decision to stop using the credit cards is a massive step forward you are now on your way out from under that mountain of debt.

      Whatever it takes to get out from under, I have a feeling that you have it, I am proud of you for facing this giant in your life and I am sure it will be defeated soon.

      Keep in touch I really want to hear how you get on, if you want someone to talk to please feel free to email me I am a good listener or in this case I guess it should be a good reader. love maggs

    • profile image


      10 years ago

      Thanks maggs224. I will definitely use your advice. I am a single mother struggling under a mountain of debt. I have taken the first step of not using credt cards but I haven't cut them up yet. I will gather courage and chop them up. I will let you know when I have. Thank you for the sound advice. I will begin to shop around for bargains.

    • maggs224 profile imageAUTHOR


      10 years ago from Sunny Spain

      Hi Mr Spock, it is easy to find yourself in this situation especially in these days of recession, thank you for your kind comments and as your namesake would say 'Live long and prosper'

    • MrSpock profile image


      10 years ago

      A most excellent hub! I've found myself in a similar situation and find that you are correct when you mention the perspective has changed. The values you had about looking at money aren't the same now as they used to be.

    • maggs224 profile imageAUTHOR


      11 years ago from Sunny Spain

      You are a kind and gentle woman Tammy and to see your name on a hub, comment or a forum always lifts and encourages me, plus you have a great sense of humour

    • TamCor profile image

      Tammy Cornett 

      11 years ago from Ohio

      What a lifting and inspiring read, maggs--thank you so much for taking the time to show all of us how you conquered the debt monster--you and Malc should be so proud! :)

    • maggs224 profile imageAUTHOR


      11 years ago from Sunny Spain

      hi infinityplusone thanks for the comments you are right having a plan does make a big difference

    • maggs224 profile imageAUTHOR


      11 years ago from Sunny Spain

      Hi Henry we had a friend who paid off one credit card with another, and the more he did that the deeper in he got. In the end he had something like twelve cards and finished up with a staggering £60,000 debt. My husband and I sat with him and his wife as they cut up their cards and then threw the cut up cards onto the fire.

      It was hard and it didn't get better overnight, but then again they didn't get into the mess overnight either. The daft thing was not much of that huge total was for things they had bought, a lot of it was built up using one card to pay another and it is frightening how quickly these things mount up especially when you can only afford to pay off the minimum amount each month.

      Of course it is frightening and watching the amounts grow is frightening and the little voice that keeps saying what if this happens gets louder and louder but the hardest part really is drawing that line in the sand that says it stops here. It sounds like you are about ready to draw your line and once you do it really does begin to get easier.

      There is a hubber on hubpages called TheMoneyGuy he has written a series of financial hubs which I think you might find very helpful especially if you are from the USA this particular hub is one that I think might prove useful to you here is the link

      If you want to contact me just click on contact maggs224 which is at the top of the page just under my photo. I am positive that you can get out of this but fear wants to keep you there tide to your debt.

    • profile image


      11 years ago

      I am sitting here at my desk with an unopened laptop box. If I don't open it, I can return it without a restocking fee. We are so far in debt, I'm definitely in the "What the hell" camp. Reading your story makes it crystal clear what we need to do - exactly what you did. And, it should start with me taking back this laptop, but I'm not sure I can do it.

      I'm so afraid of cutting up the credit cards. What if my mother gets sick? We live 3000 miles away. How will I get there? What if this and that? I'm scared. Really scared.

      And yet, I know that if I don't do it, the credit card companies will do it. Eventually I will get to the end of the credit limit, and they will not increase it, and that will be that. Sometimes, I pay the credit card bills by getting cash advances from other cards. Geez. Can you believe I'm in finance? I help businesses operate in the black. Ironic, isn't it?

    • maggs224 profile imageAUTHOR


      11 years ago from Sunny Spain

      Thanks you so much for your comment infinityplusone I have just been and read one of yours it was full of useful information

    • infinityplusone profile image


      11 years ago

      Nice hub maggs224. A truly uplifting story showing that it is possible to get out of debt. It requires hard work and both spouses to agree to a plan. Good job.

    • maggs224 profile imageAUTHOR


      11 years ago from Sunny Spain

      Life is so much easier when we have friends to to share our experiences with we all benefit as most people have something to positive to contribute from which we can benefit and learn from. Thanks for your comments

    • ripplemaker profile image

      Michelle Simtoco 

      11 years ago from Cebu, Philippines

      There is always something to learn from the stories shared by people around us. Yours is one of them. Thank you for sharing this. I will forward this to a friend who is having a hard time right now -debts and all. It will give another perspective, I know. Many thanks!

    • maggs224 profile imageAUTHOR


      11 years ago from Sunny Spain

      Hi Amanda sorry it has taken so long to get around to thanking you and the others for your most welcome comments, I get so many notifications of new hubs to read by the time I finish reading them I am out of time to do anything else and so I get behind with my own stuff. I always read them straight away and I always am very grateful to those who have taken the time to leave them. Thanks again to all who have left comments.

    • maggs224 profile imageAUTHOR


      11 years ago from Sunny Spain

      James thank you for leaving such an encouraging comment, I appreciate you taking the time

    • maggs224 profile imageAUTHOR


      11 years ago from Sunny Spain

      KCC thanks so much for your kind words, I appreciate them very much

    • Amanda Severn profile image

      Amanda Severn 

      11 years ago from UK

      Hi Maggs. This is a good lesson from the 70s for people living in the noughties. I like your line about credit cards being good servants but poor masters. Unfortunately we have a whole generation of youngsters who have grown up believing that debt is somehow both desirable and necessary, and I'm sure it'll take another generation to turn that attitude around.

    • James A Watkins profile image

      James A Watkins 

      11 years ago from Chicago

      Good advice and good life lessons. If only I had read this four years ago.

    • KCC Big Country profile image


      11 years ago from Central Texas

      This is a great follow-up hub to your other hub. What dedication you had to see this through to the end. Good job! Lots can be learned here.

    • maggs224 profile imageAUTHOR


      11 years ago from Sunny Spain

      Rochelle thanks for your comments those books are priceless aren't they, it just goes to show that those who lived only a century ago had so much more to deal with. I did have servants once and I made a right pigs ear of it, it was when I was first married and my husband and I got posted to Singapore (makes us sound like a parcel being posted lol)it was a wonderful experience but I never quite got use to the servant bit, I guess I was just too much of a working class girl myself. I should have read the book then.

    • maggs224 profile imageAUTHOR


      11 years ago from Sunny Spain

      Daniel one thing we can say is that life is not dull and we have made many friends while going through the hard stuff, and unlike the rich and the famous we never have to worry if some one likes us for our money or our position as we don't have much of either but we are mega rich in other ways. With friends like those I have on hubpages Candie being a particular blessing and yourself I will never be poor. Thanks for the comments now about that interest free credit lol

    • Rochelle Frank profile image

      Rochelle Frank 

      11 years ago from California Gold Country

      Supurb!-- this needs to be read and re-read. I loved the way you presented your first "getting in" article-- very easy to see how this can happen.

      I was also waiting to hear your "outcoming".  The Pyjamas story is priceless-- your son will always remember that. 

       I also have an old fashioned 'cook book' that tells how to do things I hope I will never have to (slaughtering and cleaning the sheep, etc)  I'm not likely to have to understand the management of servants-- though, come to think of it, we do have things like washing machines and other mechanical servants today.

       I particularly like the idea of credit cards being "good servants and poor masters".   I  also have appreciated their serviceability-- but not to the point of being indebted to them.

      Wonderful, important stories for everyone.

    • maggs224 profile imageAUTHOR


      11 years ago from Sunny Spain

      thinking out loud thanks for your comments big business has a vested interest in keeping us from getting out of debt because they get to keep most of our money instead of us.

      The governments of this world always seem to look after the interests of those with money and power first.

      But we ordinary folk learn and prosper in spite of that and we have a lot of good companionship from fellow travellers on the way.

    • maggs224 profile imageAUTHOR


      11 years ago from Sunny Spain

      fortunerep thanks for your comment my husband is very self disciplined I think that it is his Navel training me though I just tuck in behind him and keep my head down and this seems to work for me. lol

    • maggs224 profile imageAUTHOR


      11 years ago from Sunny Spain

      Candie first again, I love to see your name in the comment section of any hub but I especially love to see it in one of mine. Not sure about the brave comment but thanks anyway, I hope that there will be something in this hub that might prove either a comfort or help to someone. Even if it is only that they see most folks have been there at some point in their lives. It is not what you go through that defines you and enables you to grow but how you go through it.

    • TJ Daniels profile image

      TJ Daniels 

      11 years ago from WI USA

      Maggie, I give you and Malc credit (no charge). Excellent hub! I'm sure this one will help many people get out of debt. Daniel

    • thinking out loud profile image

      thinking out loud 

      11 years ago

      Good job. If only governments could be so smart. Yes, the credit card is a disaster waiting to happen My in-laws never had a credit card. My family always did. which ones do you think lived a more stress free life? You betcha!

    • fortunerep profile image

      Dori S Matte 

      11 years ago from Hillsborough

      I was waiting on this one! You and your husband are very disciplined. I applaud you for that! I too have been there and struggled and learned. And, I love the second hand stores!!


    • Candie V profile image

      Candie V 

      11 years ago from Whereever there's wolves!! And Bikers!! Cummon Flash, We need an adventure!

      You are a dream and very brave.. good solid counsel!! Thanks Maggs, give Malc a sweet kiss on the cheek for me *to give back to you* and you dog a good scruffle!

      Love ya maggs!


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