One woman's journey to pay off her mortgage, drastically reduce consumption and live a simpler life.
Tuesday, 8 January 2013
So? It's that simple!
Hello Dear Reader,
Instead of me chatting away to you tonight, I thought I would share two inspirational talks from TED TALKS. The first by a chap who wants you to sell your crap and live your dreams and the second by Nigel Marsh telling you to set your own work life balance. The less crap you need, the less you worry about work. Work is where I go to earn my living and actually get to do the thing I love and make a difference, it's not where I go to worry about getting promoted. Here are the short films and I hope you enjoy them.
Thanks to all the comments and I look forward to what you think of this
Until tomorrow,
Love Froogs xxx
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money saving
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Listened to Nigel Marsh,it brought a tear to my eye.I work in the service sector and I am trained to management level,as the little ones came along the hours became less and with that the responsibility.I still love my job and get great satisfaction from it.Balance is so important,time to eat toast and chat is so much more valuable than the handbag or shoes you have to have that give you a little buzz for ten minutes.The time I spend with the family and friends will last me forever.I am lucky enough to be married to my best friend and because he is self employed I get to see him at breakfast ,lunch and tea.Take my little one's to school and nursery and be at home when my eldest returns from school.I do not boast I am simply grateful. But in return we do not have fancy holidays and and a new car every year but who cares because the people around you love you because of who you are not because of the age of your car.
ReplyDeleteLove as always Leebee x x
Bloody brilliant! Struck a chord with me big time since I had one thee crappiest days at work today! Excellent and thought provoking video's. Now.....on to eBay to sell me crap!
ReplyDeleteI too love my job, I like the work that I do, I get on well with my colleagues and the money that I earn pays for what I need. The surplus is saved for what I will need when I can no longer work. However I work with quite a number of men and women who feel that they are tied to a grind stone. They hate their jobs and detest going to work. One man in particular says repeatedly that his job is S**t and the company is s**t, he has to stay here as the pay is excellent, he has just moved to a bigger house, has a newer car and has booked 3 holidays for this year. We live in a small cottage with a large garden, it will be ours entirely in 2 months. We have a small 5 year old car and the newest item of furniture in our cottage is the small fridge we bought 3 years ago to replace one that died. We are happy, debt free, not buying much except food, and not trying to keep up with anyone. However if all were like us there would be massive unemployment, manufacturing would be drastically reduced, packaging and transport companies would fold. It is all about balance after all.
ReplyDeletecongratulations on getting your house in your own name! You wouldn't be these other sad sacks for quids, eh?
Delete(Our fridge is 15 and I keep talking to it and telling it how much I admire what it does for me. I hope this keeps it going!)
Lol Robyn of Oz.
DeleteGreat videos. I do enjoy reading your blog, thank you for writing and sharing how you live.
ReplyDeleteDear Froogs, luckily for me, my husband and I have agreed that we would not go into debt for stuff. If we couldn't save and pay cash, then we wouldn't buy. So we have never had debt besides our mortgage. We were mocked by some family members when we first married. We had second hand furniture and very little stuff. We didn't care. Our friends shared our values that experiences, love and happiness were more important than household stuff. And we still own the TV that we had when first married, one I bought over 22 years ago. Who needs flat screens to be happy?
ReplyDeleteWe believe no car, no electronic items, no furniture, no jewellery is worth possibly losing your home. And with all the consumer debt that people are carrying, they are losing their homes. Guess what? The sister-in-law who mocked me went into bankruptcy and lost her house. She hasn't learnt though! She says she would rather rent and have nice stuff. She is still buying thousands of dollars of jewellery. I doubt she is happy. She has separated from her husband and doesn't visit family, even for her mother's birthday. I think she truely believes stuff will give her happiness and meaning and she is too scared to examin that idea. It might question her whole existence and life's meaning! Hey, but look new shiny stuff, the latest Pandora charm, the latest iPhone. Why examine your life when you can fill the hole inside of you with things? Distraction through debt, not liberation through deep thinking.
As always, another brilliant post - and some equally interesting replies too.
ReplyDeleteOur daily ritual of reading Froogs blog is all the motivation my hubby and I need to keep us on track with our frugal journey to freedom.
Thank you one and all for sharing so much.
Makes so much sense. Thank you
ReplyDeleteDoes anyone else find the Rolex commercial at the end of Nigel's talk ironic? LOL
ReplyDeleteYep!LOL but I think there will always be some piper to pay. Loved the message he and Adam shared. It made me think of my life and I realised I am apart from the usual bills and the rent part of my home debt free. The shopping I do is mostly grocery and I make and cook from scratch. I use the library barter with friends and if there is a need pop down to the car boot until a solution presents itself.The one or two things I need to concentrate on is having some savings just in case life goes a bit wobbly. This I have been procrastinating about for years. The other is finding an outlet for my creative side.I think I will shut up now and do it.
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DeleteWe live below our means now and this is the year that we are sacrificing everything to get totally out of debt. My husband has a good job and a good pt job, my job is ok and I work on the side. One child is out of college and works at home, one is in college and lives at college and one is a senior in high school. But we have realized something in the past two years...we are content to be where we are and to live like this. Once our debt is gone we will save for retirement...
ReplyDeleteThank you froogs, I watch the first one as I didnt have the time to watch the second one. And this guy is so right! We buy stuff we dont need, to show off to people we dont even like!!
ReplyDeleteThat struck a cord with me, i used to work in a hospital,a different to one I work now. And there seemed to be a competition between us, who could have the best fob watch, the best clogs, lets just say the list went on and on. It even got to one point who owned the best car! Now what does that have to do with work!
I had to get out, it was just before my husband tried to do something silly and ended up in a renal unit for a week, because he couldnt face the debt and he couldnt face me.
I ended up in a happier job limited to what I could buy because of the IVA, it had to be cash no credit. And it gave me retrospect for a while, then the old habbits came back. And I had to run to you for help. Sad I know, but I had to do something.
I have decided to leave the NHS as it has become a competition again and I dont want to go down that path.
I look in my house now, I have 3 sewing machines 3!!!!! One is an old singer that doesnt work , the second an ebay purchase and the third is from my MIL and I love that one. I have a baby one as well. How the hell did I end up like this. It is only stuff!!! If we move Pickfords would have to send 3 trucks round!!!!
And a move is looking imment now as DH wants to be nearer work. So
I am going have to dig out the crap out and sort it out. I wish I wasnt the way I was, but all my RMN says is its an OCD and you will cope, what a load of rubbish. I will slay this demon once and for all.
Absolutely brilliant - words of sense from two great speakers.
ReplyDeleteOnce you realise that if you just stop spending money life will actually get easier things all fall so satisfyingly into place.
If I had known in the first five years of my first marriage what I know now, how different my life would have been. For instance in those first five years we must have bought at least 4 sofas, upgrading, changing them to match the new wallpaper that went up, how ridiculous it all seems now and yet that is just what everyone (or so we thought then) did. Now the sofa I bought after my divorce is still with me 9 years later and will continue to be with me until it disintegrates or an accident befalls it.
A really good post thank you.
Sue xx
I enjoyed both of these. Makes you think - my husband WILL watch too!
ReplyDeleteWow. Both were very thought provoking. Last year I had to re apply for my job as a staff nurse in a day surgery unit at my local hospital. We were told it was not a cost cutting exercise but it was to improve patient care. I have been qualified since 1996. I am a very experienced nurse however i had made conscious decision not to go any higher up the career ladder. If unsuccessful at interview i would still have a job but i would be demoted to a junior staff nurse but with protected pay for 4 years and marked time for one. Three weeks before the interviews i got very sick. My youngest son has aspergers and he was due to start secondary school in september. I made the decision to step down. My boys and my health are more important. So my plan is to clear a loan of 18000 . I am soon to get a decree absolute and four years ago bought out my husband from our family home. My mortgage is interest only. I will clear my loan, then I will start paying off my mortgage. I live in a small bungalow, i do not have a flash car and do not go on holidays every year. The boys especially the youngest needed to have somewhere familiar to them. When they are older I will downsize even more if I can I will clear the mortgage by doing so. I would rather have a simple, happy life than the latest this or that. If we go away at all we sleep in the back of my partners transit van. It is warm, dry and free. I am looking forward to the future rather than dreading it.
ReplyDeleteboth super good. loved them both.
ReplyDeletemuch wiseness!thankyou!
ReplyDeleteThough I loved teaching I always felt that work is what you do so you'll have the money to do what you really want to do.
ReplyDeleteTwo well chosen thought provoking videos. I liked Nigel Marsh's description of his perfect day!
ReplyDeleteHave you seen George Carlin's youtube video about stuff?
http://www.youtube.com/watch?v=MvgN5gCuLac
Very entertaining it pokes fun at having too much stuff but there is an element of truth in it.
Linda xx
I plan to watching these later! I've seen a few of the TED talks and they're wonderful! My husband's new year resolution is to watch one every day!
ReplyDeleteFantastic videos, loved both!
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