A frugal life is an easy life!

Many people still rent their televisions, freeview recorders, washing machines, tumble dryers, fridges, etc.
With a simple phone call, you can reduce how much you pay for these items.

Every so often throughout the year, the rental price of each item is reduced, normally when they are a year older.
The rental companies rely on people not knowing when this is and not checking that they are getting the best deal.

About twice a year, I contact my rental company (I rent my television) and each time the price is reduced. It may be only £4 per month cheaper, but even with that small saving, I have managed to keep another £48 a year in my family's pocket!

It's late here, very late, but I am compelled to post whilst this is fresh in my swede.

If you are considering becoming a parent, or indeed have just become one, you should be aware of many unseen jobs, that the humble parent must endure, all of course, without any recognition!

There is no way that I could list them all here and now, so to this post I will return with updates... this said, kicking the post off, is one unseen job, that many parents absolutely loathe with a passion.
The unseen wait!

Sprog2 landed back at home today, with a few friends in tow. Whilst on our way out, I was offered a small driving job in relation to two said friends. Accepting the job, it was a simple process.
Once said friends have been to the pub, parent will be texted by mobile telephone and said parent will pick up the friends and take them home. A simple, but useful task?

Now for the side that children do not see.
As I sat here from 10.30pm - keen on getting some shut eye, it is now gone 1am. Still no message or call.
In walks sprog2, calm as you like, announces that he is going to bed!
Hold on a mo... what about the driving you asked me to do?
Oh we didn't need you afterall, we decided that just after you left the house earlier.
So where is my message or call?
Errrrr sorry, goodnight!

Over two and a half hours waiting for nothing. I could have gone to bed at 10.30pm and had a good sleep, instead I shall be a tad cranky tomorrow because I haven't got enough sleep tonight.
Waiting around is bad enough, but the parent must wait for no reason whatsoever and find they have wasted hours of their own time, all of course, without any recognition!

The transformation in the past week or so, in sprog2 has been nothing short of amazing.
All those times we have encouraged hand clapping, standing, walking, dancing, talking, etc, which led to nothing happening and left us being looked at as if we were from another planet , finally showed its benefit!

In the past week, sprog2 can now stand, clap hands, walk whilst holding on to things, sit down on her own, etc.
We always knew it would come, but all at once within a week I did not expect.
The latest game she likes to play is called, lets take our own pants off!

A proper wriggler she is, but great fun. We can definately see the benefits of having a parent with her everyday, instead of palming her off to clubs and baby minding places, with their YTS staff.
As if to emphasise how valuable parents can be, I have linked a wonderful story here, about the mother who cuddled her baby back to life maybe mother nature saw the love they showed towards their son and intervened?

I have some of the best friends in the world, ever. I don't have many of them, but they are the best.
People I have worked with, drank with, etc, in the past, in real life and via the internet, who have helped me no end of times. So when I got the chance to help one of those good friends yesterday, I jumped at the chance.
Some people question why I would do this for no financial reward, they say I am stupid.
I'm not interested in making money off the back of my friends, it's because they are my FRIENDS that I help them.
I know each and everyone of them would do exactly the same for me if I needed them to or asked for help, so when I get the chance to help them, I do not hesitate if I am able to do so.
J - you owe me a bacon butty hehe

Another example of the knock on effects, of helping family and friends also came up yesterday.
In a small way, I had the chance to help someone else out. I of course checked I was okays to do it, then gave them the help they needed.
They were delighted and got everything sorted at their end.
Now comes the good bit. Partly because of my help, not only did they get sorted what they wanted to do, but they also found employment because of what they had got done - how cool is that!
I had yet another opportunity to help someone yesterday as well, although they chose not to take my offer of help, it gave them an extra option, so were thankful for it.

Yesterday was a great day... and sprog2 hit me in the eye with her bottle!

This is how Shoosmiths (debt collection) treat clients of companies, when attempting to recover an outstanding debt from them, via their debt collection office. (Details of course have been removed to protect our friend of the site):

"We are instructed by our client in relation to the above liability and we have taken action against you for recovery of the outstanding sum."
- They did indeed, it went to court after 11 months of threats to take it to court and Shoosmiths tried to force through a charging order on my friend's property, causing severe distress to my friend.
Shoosmith's said that they would accept the payment offered, only with a charging order in place as security, if this was challenged, Shoosmith's stated that it would claim via the court, for an extra £3000 expenses. As you can imagine, my friend was even more stressed at this.

On meeting Shoosmith's solicitor outside my friend's local court, immediately prior to a district judge ruling on the case, Shoosmith's solicitor stated that the charging order was "just a formality" and added that "once in place, it won't be enforced until the account fell into arrears or the house was sold." - Shoosmith's solicitor lied to my friend!

Once in front of the district judge, Shoosmith's told the judge that he was instructed to action the charging order with immediate effect and would seek payment of the full amount or enforce the selling of my friend's home.
Luckily, my friend defended against the charging order and provided a good case for it being refused, the district judge found in favour of my friend, did not grant a charging order and instructed Shoosmith's that they had to accept the minimal payment offered by my friend. Shoosmith's also lost their claim for expenses and were instructed to remove unenforceable charges for reminder letters from the balance.

This was more than a year ago and still my friend is trying to have the court costs and solicitor's fees removed from the overall balance. Apparently, Shoosmith's ignore court orders/rulings issued by district judges?
Either that or they haven't told their client that they lost the case in court?

"We note that you have been paying £xx per month for some time now and this offer is now open to review."
- No, there is no "offer" and any payments made are subject to a court ruling. Unless of course Shoosmiths don't take any notice of court rulings issued by district judges?
There will be no "review," understand that Shoosmiths?

"Our client now requires that you increase the sum of your monthly payment."
- Is that right?
To increase the monthly payment, Shoosmith's would be required to apply to the court for a district judge to review the "final order" that the district judge issued.
You would think that Shoosmiths, a "well respected legal company representing businesses" would already be aware of this?
You would also think that Shoosmiths were aware that without good reason, questioning a judge's decision is a serious matter indeed and could, in extreme cases, lead to the entire case being thrown out. This would leave my friend with nothing further to pay at all!

I don't care what your "client requires" my friend will not be paying a penny more than the court's ruling, until they choose to do so. Do you understand that Shoosmiths?

The letter then goes on to "urge" my friend to call their offices within the next seven days to discuss the matter.
To add to the unprofessionalism of the letter, it is signed with a signature of "Shoosmiths" as if Shoosmiths is a real person.

Options:
- Report the matter to Shoosmiths directly, in which case they would explain it away as a standard template letter and/or "training issue"
- Report the matter to the district judge who made the ruling, in which case it would waste more of the court's time.
- Or highlight on the internet, how Shoosmith's treat clients that have a debt, so that others can see for themselves

We can only hope that Shoosmiths show the same vigour in reporting to their "client" that their attempts to force a charging order on my friend's home, to pay off a minimal debt, failed and that they were also NOT awarded costs and solicitor's fees. Shoosmiths should also insist that these fees be removed from my friend's total debt.

Debt companies are always communicating in this way. Factually inaccurate information and asking things of the individual that are not legally required.
Some things to remember when dealing with a debt collection company;

• ALL dealings with them should be in writing only
• Only promise a payment you can afford - there is no point promising a higher payment, if it is beyond your means.
• Keep up all payments that you have promised, regardless of how many times you are told "your payment is too low" - the old "we can only accept a minimum payment of [insert any amount here]" is rubbish. (If you are in any doubt, SEEK HELP/ADVICE!)
• Ask for the company's account number and sort code, then pay your promised payment in each month without fail. By law, they cannot refuse any payment of any amount (NOTE: this may not stop the company bringing civil proceedings against you, but it will help your case should it come before a district judge!) By law they have to provide their information to allow you to make payments.
• Give the debt collection company no information about your personal circumstances. They send you a form to fill in or question you on the phone, tell them nothing!
  I have yet to come across a single debt collection company that doesn't use the information given to push up monthly repayments.
• Some debt collection companies, will tell you "their client wants..." in truth, many have bought your debt (Often paying only about 10% of it's worth) so try to collect the full amount as quickly as possible and will try everything to get you to pay more!

I should really do a seperate post about this, please be aware that frugalways cannot accept any responsibility for this post, in that, it is a post about my experiences and what I have been told.
If in any doubt you should SEEK HELP/LEGAL ADVICE!
These experiences ONLY refer to unsecured debts - for debts secured against your home I would always advise seeking legal advice.

Be careful out there friends....

Wood, boards, lengths of 3 x 2, plyboard, triple plyboards, etc, are a valuable commodity.
All this wood is available for free, if you know where to look for it!

When a builder works on an house extension, he builds around the house, then cuts the walls out between the new build and the existing building.
Whilst the windows and doors are waiting to be fitted, any good builder nips down to a local woodyard and picks up triple plyboards, cuts them to fit the windows and doors and boards them up. This stops the weather and burgulars and secures the property.

When the new windows and doors are fitted, the plyboards are removed and then broken up and thrown into a skip. This involves more cost for the home owner who is having the work done and takes up more time for the builder.

Triple plyboards (triple being the thickness) are very handy things to have around.
Picking them up for free involves just a simple word with the builder/home owner, and storing them.
I lean them against the side of our house, where there is a small patch of waste ground, where we will eventually be putting a drive/garden.
As soon as I get some new boards, the neighbours, friends and even the odd passing person, knocks on asking if they can use some or all of it.

I trade these boards/wood, for other things or just to help someone out.
The wood I collect for free has been used for the following:

• Panelling out a friend's garage - after it was broken into
• Building a shed - no expensive, flimsy DIY store shed for me, mine's much more sturdy and secure
• Garden panelling - around the base of our "lats" fence, so I can have raised soil borders
• Raised growing boxes - alongside the shed, but not touching it, on an otherwise useless patch of grass, currently it's full of potatoes!
• Panelling out the interior of a friend's volkswagon camper van - using some single plyboard sheets of wood I got for free
• Cut into templates for a friend who was building a curved stone wall
• Chopped up for our bonfire night, bonfire!
• A table top/bench, running the full length of the shed (triple ply) - using old 3x2 and hinges for fold up legs

Add to this numerous uses around the house both now and during the extension build.
Not just helpful for others, saving them money, but helpful for me.

The friend with the camper van who pannelled his van out with the spare boards I got for free, took 3 tonnes of my topsoil and weeds for his sloped garden, doing us both a favour, I wanted rid of the mound of earth and he got a good base to put his turf on.

Swings and roundabouts it is, all for free without it costing me a single penny piece. Now that's what I call living frugal!