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    • Seasidegal58
    • By Seasidegal58 18th Sep 16, 1:27 PM
    • 1,074Posts
    • 5,747Thanks
    Seasidegal58
    Paid off the £31,000! BUT - still scrimping!
    • #1
    • 18th Sep 16, 1:27 PM
    Paid off the £31,000! BUT - still scrimping! 18th Sep 16 at 1:27 PM
    Hereís to my new shiny diary now that I am debt free!

    I have finished my previous diary which detailed my debt free journey. This went well for some months Ė I then failed dismally, managed to pull myself together to pay off half then had a lucky windfall which cleared the rest. If you want to have a look itís called ďScrimping Behind the Scenes Ė with Debt of £31,000!Ē (sorry, I canít manage to get the link to work!).

    In the diary I detailed how I was trying to pay off the debt without alerting the fact to family and friends as I was too embarrassed to let anyone know the extent of my folly!

    I have however decided to carry on scrimping as I have a few retirement issues coming up. One of the things that will make scrimping easier is that I donít have to do this in secret anymore! My reasons for cutting back financially will be out there for friends and family to see Ė which will let some of the pressure off!

    I am now in my early sixties but my State pension will not kick in for another four and a half years. I will not be getting the full whack as I have had contracted out of the second State pension because I was a member of a previous employerís final salary scheme. Luckily this pension will take a little of the headache away and I have a couple of small DCB schemes from other employment over the years though these will not amount to much. I am in my current employerís company scheme and both they and I pay into this Ė though again itís not going to be life changing!

    I calculate that I when I retire my income will be slashed by well over half so to carry scrimping would be a good run up to retirement test for me.

    A big worry is that the firm I work for was recently bought out. I have been through this sort of thing with previous employers. What tends to happen is this:

    1. Big lovey-dovey honeymoon period between new owners and old owners (who have been paid out, but stay on for goodwill).

    2. New owners and old owners start to fall out over the management of the company. The new owners want to run the company their way and old owners think they know better.

    3. Bad feeling hits all round and new owners start to have a ďpeopleĒ clear out.Ē

    Iím rather apprehensive about the possibility of a people clear out because of my age. I think I will be ok as long as my boss is there but unfortunately he is older than me!

    Accordingly, my next scrimpy goal is to fully fund my ďEmergency Fund.Ē It currently stands at £3,000- but I would like to see it at £10,000 to feel safe. If I can fund it with £1,000 per month (like I did with my debt), I will have £10,000 by end April next year.

    So today is going to be a NSD. I have £26.90 left spending money and £18.33 in the grocery budget till I get paid next Friday.

    So here we go again Ė interesting times!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
Page 11
    • Seasidegal58
    • By Seasidegal58 1st Sep 17, 4:38 PM
    • 1,074 Posts
    • 5,747 Thanks
    Seasidegal58
    Well hello all - (she waves sheepishly) - the months have flown by and itís been two whole seasons since I last posted! Iíve been up to a few things since February Ė seen a few shows/plays/exhibitions, visited DD a few times, had a wonderful day at Ascot races and some days out with family.

    The main thing though was (drumroll)ÖÖÖÖ

    MY EMERGENCY FUND OF £10,000 WAS FINISHED AT THE END OF APRIL AND I HAVENíT DIPPED INTO IT AT ALL!!!!!!
    !!

    However, my next goal of saving up for a new kitchen hasnít exactly got off the ground yet! Iíve recently hired a personal trainer to give me a rocket up the backside on my training and diet - which has reduced the amount I can save, but I feel a lot better since Iíve started training with him and lost a stone in six weeks!I also find that because Iíve something booked with him I drag myself up to the gym after work Ė left to my own devices I would spend the evening on the couch Ė potato like!

    Iíve not had a proper holiday yet but have got something booked up for the end of the month. I canít wait! Ė itís not going to be actually relaxing but Iím doing something thatís been on my bucket list for a while so Iím really looking forward to it.

    Anyway Iíve posted this at work so will have to sign off briefly but itís good to be back and Iím looking forward to catching up with other diaries to see whatís been happening while Iíve been away.

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • Sun Addict
    • By Sun Addict 1st Sep 17, 4:54 PM
    • 4,612 Posts
    • 26,306 Thanks
    Sun Addict
    Wow SSG you've been busy. Well done on the savings and weight loss Good to see you back.
    Virtual Sealed Pot £671.22
    November NSD 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
    • Scott_Weiland
    • By Scott_Weiland 1st Sep 17, 5:43 PM
    • 616 Posts
    • 1,500 Thanks
    Scott_Weiland
    Welcome back seasidegal

    See you again in december lol
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £166.90 Survey Earnings YTD £535.12
    • Seasidegal58
    • By Seasidegal58 1st Sep 17, 9:32 PM
    • 1,074 Posts
    • 5,747 Thanks
    Seasidegal58
    Thanks SA and Scott

    I've just finished catching up with your diary SA and have posted there. It's going to take me ages to get through everyone's so I'm going to read one diary per day!

    Scott you made me laugh out loud! I promise to try harder and not disappear until Christmas!

    X
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • Scott_Weiland
    • By Scott_Weiland 1st Sep 17, 9:58 PM
    • 616 Posts
    • 1,500 Thanks
    Scott_Weiland
    Keep posting Seaside :-)
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £166.90 Survey Earnings YTD £535.12
    • in need of direction
    • By in need of direction 1st Sep 17, 11:27 PM
    • 4,695 Posts
    • 26,462 Thanks
    in need of direction
    Yay, the glamour puss is back.
    Mortgage at 01.01.14 £119,481.83 today £79,389.12, target £75,000 by 31/12/17 Offset fund today £4,055.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £90/200 cash.
    Current weight loss 8/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Mysteek
    • By Mysteek 2nd Sep 17, 7:21 AM
    • 221 Posts
    • 529 Thanks
    Mysteek
    Welcome back Seaside gal! Glad to hear that everything is ok with you x
    MFIT #73 - Pay all mortgage off in 3 years £46,400£34,295 PAID £12,105
    • Seasidegal58
    • By Seasidegal58 2nd Sep 17, 10:20 AM
    • 1,074 Posts
    • 5,747 Thanks
    Seasidegal58
    Thanks inod and Mysteek I'm not feeling too glamourous at the moment though inod: I'm sitting here with no make-up and scrunched up hair eating my pre-workout banana before I hit the gym!

    Yesterday was the last day of this month's Scrimpy Week 1 ( as I got paid last Friday on the 25th August and it's an 8 day week this month). Wasn't too bad - every day spends were under control - took my lunch in to work each day though I did go out to lunch with friends last Saturday. Though I'm trying to stick with my diet plan I still have a "cheat day once a week otherwise I'd never get anywhere with it!

    I had to renew my yearly Senior Railcard but as I have an annual season ticket for commuting I only had to pay £10 for it instead of £30. .

    Also had to book a hotel at airport as my holiday flight out is leaving at some ridiculous time in the morning - I compared prices on trivago and got the cheapest through booking.com - it wasn't much difference price wise than getting a cab there. It came out off the depleted holiday budget and I had to top up the rest from ad hoc spends.

    Anyway I've just over £34 at the end of the week to start off the kitchen fund!

    Every little helps!
    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • in need of direction
    • By in need of direction 2nd Sep 17, 11:05 AM
    • 4,695 Posts
    • 26,462 Thanks
    in need of direction
    Hope you got cashback on the hotel booking.
    Mortgage at 01.01.14 £119,481.83 today £79,389.12, target £75,000 by 31/12/17 Offset fund today £4,055.43 target £5,500 by 31/12/17
    Emergency fund £5k/5.5k & £90/200 cash.
    Current weight loss 8/34 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Scott_Weiland
    • By Scott_Weiland 2nd Sep 17, 11:41 AM
    • 616 Posts
    • 1,500 Thanks
    Scott_Weiland
    Hope you got cashback on the railcard too. I did last time i renewed a friends and family railcard.
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £166.90 Survey Earnings YTD £535.12
    • Seasidegal58
    • By Seasidegal58 2nd Sep 17, 9:05 PM
    • 1,074 Posts
    • 5,747 Thanks
    Seasidegal58
    Yes I did get some Cashback inod - 4% from quidco for booking.com:!

    I didn't get Cashback on the railcard Scott as I didn't think you could and still get the discount I got. To get the card for £10 instead of £30 I have to show my season ticket at my station's booking office and fill in a form. Mind you Railcard do have their own website that is linked to quidco so I'll check on there first next time to see if you can get the discount and Cashback.

    Gym session went well but I'm suffering with my foot a bit at the moment. I had plantar fasciitis a couple of years ago and it flared up again when I started upping my cardio with my trainer. I could hardly put my heel down on the ground for a few days a couple of weeks ago! I bought some more supportive trainers and it is much better but still gives me a few twinges. I'm seeing a podiatrist soon but I don't know whether he will be able to get my foot back to normal permanently. So no jogging just brisk walking at the moment.

    My field notes arrived in the post today for my holiday so I'm feeling quite excited now!

    Anyway it was a NSD today. I've got to pick up some bits at Aldi tomorrow but I did my monthly shop last week so I shouldn't be spending that much.

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • Seasidegal58
    • By Seasidegal58 3rd Sep 17, 7:47 PM
    • 1,074 Posts
    • 5,747 Thanks
    Seasidegal58
    Nice relaxing day today. Went to Aldi this morning and picked up some veg/fruit and eggs - put the trainers on and had a sunny walk through the park there and back. Got home though and realised I'd picked up a jar of parsley rather than oregano!

    When I got back I did the ironing and sorted through my scarf drawer to see if I had any to go to dress agency. Picked out three that I had never worn. Was listening to Dave Ramsey on the iPad. He nearly had a fit when someone called in and said they had $480,000 in student loans to become a dentist and should they still rent or get a mortgage to buy a house! Did he rant afterwards!

    Quiet week hopefully at work this week. Back on the 5:2 diet to try and lose some more lbs for the holiday.

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • reality_check
    • By reality_check 4th Sep 17, 9:32 AM
    • 683 Posts
    • 1,475 Thanks
    reality_check
    Itís nice to see you back and glad everything is going so well! Well done with all the exercising, pass me some of your motivation! x x
    Starting debt £18,675.63
    Current debt: £8,250
    • Scott_Weiland
    • By Scott_Weiland 4th Sep 17, 6:39 PM
    • 616 Posts
    • 1,500 Thanks
    Scott_Weiland
    Yes I did get some Cashback inod - 4% from quidco for booking.com:!

    I didn't get Cashback on the railcard Scott as I didn't think you could and still get the discount I got. To get the card for £10 instead of £30 I have to show my season ticket at my station's booking office and fill in a form. Mind you Railcard do have their own website that is linked to quidco so I'll check on there first next time to see if you can get the discount and Cashback.

    Gym session went well but I'm suffering with my foot a bit at the moment. I had plantar fasciitis a couple of years ago and it flared up again when I started upping my cardio with my trainer. I could hardly put my heel down on the ground for a few days a couple of weeks ago! I bought some more supportive trainers and it is much better but still gives me a few twinges. I'm seeing a podiatrist soon but I don't know whether he will be able to get my foot back to normal permanently. So no jogging just brisk walking at the moment.

    My field notes arrived in the post today for my holiday so I'm feeling quite excited now!

    Anyway it was a NSD today. I've got to pick up some bits at Aldi tomorrow but I did my monthly shop last week so I shouldn't be spending that much.

    SSG x
    Originally posted by Seasidegal58
    I am a member of quidco and top cashback its amazing some of the weird things you can get cashback on. Buying anything online always check cashback sites first.

    I didnt get a lot re the railcard i think it was £1.58 but its better in my pocket than theres.
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £166.90 Survey Earnings YTD £535.12
    • Seasidegal58
    • By Seasidegal58 4th Sep 17, 10:39 PM
    • 1,074 Posts
    • 5,747 Thanks
    Seasidegal58
    I didnt get a lot re the railcard i think it was £1.58 but its better in my pocket than theres.
    Originally posted by Scott_Weiland
    Too true Scott!

    Hi reality - I've already posted on your thread tonight but congratulations again on your fantastic news!

    Today wasn't so bad spending wise. Took my lunch into work. My friend who I work with and I have decided that we're going to have a Pret coffee at lunchtime twice a week - I'll pay Mondays and she'll do Fridays - so £4.30 today.

    When I got home I had a bill for £200 from a consultant I saw a few weeks ago as for a while my nose and ears have been feeling very blocked in the mornings. I have medical insurance through work but you have to pay the first £200 worth of treatment as excess in any one year. I have budgeted for it so that's ok. The funny thing is though that since I've cleaned up my diet I have felt a lot better and when he checked me out with the camera down the nose (ugh!) etc, he said I was clear and he couldn't find anything amiss. So a good diet may be the answer after all!

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • Sun Addict
    • By Sun Addict 5th Sep 17, 9:36 PM
    • 4,612 Posts
    • 26,306 Thanks
    Sun Addict
    Great news from the consultant
    Virtual Sealed Pot £671.22
    November NSD 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
    • Seasidegal58
    • By Seasidegal58 6th Sep 17, 9:42 PM
    • 1,074 Posts
    • 5,747 Thanks
    Seasidegal58
    Well rather an upsetting day yesterday in some respects. I had a bit of a bust up with my boss. He's lovely and generous in lots of ways but can have a bit of a personality change when he's had a drink. He went out for a long lunch yesterday with some of his chums from work - I had an internal meeting that went on for a bit and when I came out they had got back but he was in a mood. There's lots of political undercurrents running at our firm at the moment and he and a few of his colleagues aren't too happy on the ways things are being handled - I think they go out sometimes and wind one another up. Anyway I had made a mistake on something which he spotted when he got back and when I returned he had a right go and swore at me. It wasn't anything that I couldn't have and did rectify easily but he had to make a big thing of it in front of everyone I don't take easily to being sworn at and flew back at him. He calmed down a bit but I sat and fumed for the rest of the afternoon I had a gym session booked and I nearly didn't go and bought fish and chips instead on the way home! Anyway I did go and didn't buy the fish and chips! I had a good session where I imagined the weights were his head when I dropped them!

    Anyway he was out of the office today and I felt a bit calmer!

    Just over £17 monthly interest/Cashback arrived in my Santander 123 account so winged that to the Kitchen Fund.

    Stocked up on toiletries in Boots - shampoo, conditioner (three for two) and spent some Advantage points on two bottles of my Listerine mouthwash which they had on offer as well.

    I've also joined my first survey site after reading about Scott's successes on his thread - it's the Prolific Academic site. Up to to tonight I have earned the princely sum of £1.10!

    SSG x
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    My debt free diary - " Paid off the £31,000 - BUT still scrimping!"
    • Bobarella
    • By Bobarella 7th Sep 17, 7:51 AM
    • 10,476 Posts
    • 69,666 Thanks
    Bobarella
    Hi SG

    Thanks for popping into my diary. I haven't posted myself in almost a month by the looks of it. It's amazing how your routine can be thrown out of whack so quickly.

    I'm so sorry to hear about your boss. There is no excuse and swearing at someone at work is just a huge no from me!

    Would you consider a move or not?

    Hope today will be better.

    Bob
    " Your vibe attracts your tribe"

    Debt neutral 27/03/17 from £40k in the hole 2012.
    Roadkill 17 £56.58 2016-£62.28 2015- £84.20)
    RYSAW17 £1900 2016 £2,535.16 2015 £1027.20
    • JWPopps
    • By JWPopps 7th Sep 17, 10:17 AM
    • 253 Posts
    • 1,315 Thanks
    JWPopps
    Hi SSG,

    I don't think there are any circumstances where it's appropriate to swear at someone at work. Even if he's usually lovely, I'm sorry he felt like that was appropriate and I'm sorry you bore the brunt of his foul mood!!
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • Sun Addict
    • By Sun Addict 7th Sep 17, 7:44 PM
    • 4,612 Posts
    • 26,306 Thanks
    Sun Addict
    Your boss was totally out of order and it was unprofessional of him to drink too much at lunchtime then go back to work. He owes you an apology that's for sure. Good job he doesn't work where I do, he'd be in big trouble. Don't let him get to you.

    Anyway glad you took it out on the weights and not the fish and chips
    Virtual Sealed Pot £671.22
    November NSD 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
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