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  • FIRST POST
    • Seasidegal58
    • By Seasidegal58 18th Sep 16, 1:27 PM
    • 1,084Posts
    • 5,799Thanks
    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 13
    • brizzledfw
    • By brizzledfw 16th Sep 17, 7:19 PM
    • 7,156 Posts
    • 34,729 Thanks
    brizzledfw
    Boo to losing the FitBit. OH has a Charge and yes the strap is more secure. I am using the Nationwide account at the moment for savings, but think the good. Rate is only on £2.5k so may not be much use. Most of my 'spare' cash goes into a S&S ISA tbh. Prepared to weather the stock market as returns are likely over time to be decent.

    Have a great weekend. Getting colder here. Planning to curl up in front of TV this eve
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • redofromstart
    • By redofromstart 16th Sep 17, 8:08 PM
    • 514 Posts
    • 2,721 Thanks
    redofromstart
    Hi Seasidegal, just wanted to say its always worth contacting customer services at Fitbit to say you have lost it and can they trace it. They have been known to replace broken ones out of warranty for example, tell them it was in the original strap/case and it was a bit loose and they may surprise you. Its worth a try at least.

    ETA I lost one of mine (Zip) at work ages ago, and it eventually turned up months later on a cardigan that I hadn't worn for ages, hanging off the coat hanger straps inside. It also worth trying to sync it before it goes flat in case it has fallen into something near your desk or in your bag, etc. I knew mine was in my car for that reason and did eventually track it down. I have a watch one now which is easier to keep track of.
    Last edited by redofromstart; 16-09-2017 at 8:11 PM.
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 16th Sep 17, 8:34 PM
    • 1,882 Posts
    • 7,279 Thanks
    HairyHandofDartmoor

    Welcome HairyHandofDartmoor! what a great name - makes me think of werewolves running riot over the moor at the full moon ( you're not really one are you!)

    SSG x
    Originally posted by Seasidegal58
    It's a Dartmoor legend, driving over the moors at night a terrifying hairy hand will sometimes appear on your steering wheel. I love your image though

    I've spent ages reading Sun Addicts diary but have caught up now and can pop in on the others I'm following now!
    Last edited by HairyHandofDartmoor; 16-09-2017 at 8:42 PM.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £638/Emergency Fund 2 = £120
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 16th Sep 17, 8:35 PM
    • 1,882 Posts
    • 7,279 Thanks
    HairyHandofDartmoor
    Hope you find your Fitbit by the way, I've just got one and I'm addicted already.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £638/Emergency Fund 2 = £120
    • Seasidegal58
    • By Seasidegal58 17th Sep 17, 3:13 PM
    • 1,084 Posts
    • 5,799 Thanks
    Seasidegal58
    Hi SSG popped round for a wee visit
    Brought some virtual cake...
    Originally posted by UncannyScot
    Ooooooh! Thanks uncanny - I hope it's the date and walnut one! I'll put the coffee on......
    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 17th Sep 17, 3:39 PM
    • 1,084 Posts
    • 5,799 Thanks
    Seasidegal58
    Thanks guys for the Fitbit comments. And thanks especially to redofromstart for that tip. I will certainly try their customer services and let you know how I got on.

    Hadn't seen DSis and her family for a couple of weeks so went over there yesterday evening and stayed the night. Some of her OH's family was there as well so we all had a jolly time nattering away. We got takeaways for dinner (my share £15), and DSis produced a rather moreish peanut butter and chocolate cheesecake (a real stick to your ribs job!) and quite a few bottles of Oyster Bay and er more Oyster Bay......

    So got up this morning and we all devoured a full English! I'm afraid the 3lbs I lost yesterday morning when I weighed in has probably zoomed back on! She gave me a M&S linguine and scallops ready meal that had to be used up today so I'll have that for supper tonight.

    I'm seeing a friend for a drink tomorrow night after work so will have to really hit the 5:2 diet next week from Tuesday onwards!

    Have also ordered two pairs of jeggings (olive and burgundy) and a reduced price light quilted grey jacket (£14!) from Marisota - plus I had a 20% off code. I also ordered my sun hat from a specialist sun protective clothes website. This I'm afraid was rather dearer - £35 but it's 50 factor protective for the old noggin and it's rather fabulous and fedora shaped so that I won't look like some nutty old archaeologist from a bad Mummy movie!

    Sis dropped and Dnephew dropped me off a while ago so just finishing my coffee and uncannyscot's virtual cake and will now go and catch up with diaries!
    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!"
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 17th Sep 17, 4:53 PM
    • 1,882 Posts
    • 7,279 Thanks
    HairyHandofDartmoor
    You're making me feel hungry Seaside with your talk of cheesecake, yum. Love the idea of you as an archaeologist in The Mummy I'm sure the hat will be worth the money, protection from the sun is worth paying for.
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £638/Emergency Fund 2 = £120
    • Seasidegal58
    • By Seasidegal58 17th Sep 17, 5:44 PM
    • 1,084 Posts
    • 5,799 Thanks
    Seasidegal58
    You're making me feel hungry Seaside with your talk of cheesecake, yum. Love the idea of you as an archaeologist in The Mummy I'm sure the hat will be worth the money, protection from the sun is worth paying for.
    Originally posted by HairyHandofDartmoor
    Thanks HairyHand - do you have a diary?
    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!"
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 17th Sep 17, 10:32 PM
    • 1,882 Posts
    • 7,279 Thanks
    HairyHandofDartmoor
    No I don't have a diary at the moment although thinking of starting one, maybe, to keep me on the straight and narrow .
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £638/Emergency Fund 2 = £120
    • Seasidegal58
    • By Seasidegal58 18th Sep 17, 10:26 PM
    • 1,084 Posts
    • 5,799 Thanks
    Seasidegal58
    No I don't have a diary at the moment although thinking of starting one, maybe, to keep me on the straight and narrow .
    Originally posted by HairyHandofDartmoor
    I was wondering because I was looking at your signature and you have certainly made a massive dent in your debt!

    Today I had my MRI scan and X-rays. Thank goodness only my lower body had to be fed into that awful MRI tunnel to check my foot! I could have sworn that my consultant said that they were going to scan and X-ray both feet, but they were adamant that the notes said scan my left foot and X-ray both feet so I hope I don't have to go back. They gave me a disc though of the scan and X-rays in case I wanted a second opinion! Apparently I can view it through my PC which I'm going to do though I won't have a clue as to what I'm looking for! Will now wait to hear from consultant.

    So I was late into work and had a mad rush before lunch as a client unexpectedly wanted a meeting and I had to prepare the reports.

    I brought my lunch in but it was my turn on the twice weekly lunchtime lattes today. But those lovely, lovely Pret people let me off without paying today ❤️!

    Tonight I met my friend after work - £30 each for wine and nuts to nibble! I won't miss these City prices when I finally retire! My friend retired from the City last year. She always said she wanted to retire at 58 and she has done so! Her husband is still working and she drew a reasonable final salary pension plus employee share options. She is so happy and manages to fit in so much in her day now - but enjoyable worthwhile things as she says. I'm quite green with envy!. Couldn't get a taxi when from the station to home tonight so I walked. Annoying but it saved me £5!

    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 19th Sep 17, 9:03 AM
    • 4,695 Posts
    • 26,464 Thanks
    in need of direction
    Given that your friend is now retired, could you meet up outside the city where prices are a tad cheaper? Or would that cost in travel? Tonight I'm meeting a friend for dinner. It's steak night with two steaks from a choice of three varieties, two sides and two sauces all for £20. She'll have a bottle of wine for which corkage of £1.30 will be charged while I shall stick with water.
    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.
    • JWPopps
    • By JWPopps 19th Sep 17, 1:09 PM
    • 253 Posts
    • 1,315 Thanks
    JWPopps
    Ooft I'm quite glad I do all my socialising in the North, City prices always make me feel a bit ill!!
    Credit Card Debt: £572.37
    Loan Debt: £6,454.65
    Savings: £170



    [B]PAYDBX 2017 - #19 : 57% paid 4715/8280[/
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 19th Sep 17, 7:11 PM
    • 1,882 Posts
    • 7,279 Thanks
    HairyHandofDartmoor
    I was wondering because I was looking at your signature and you have certainly made a massive dent in your debt

    SSG x
    Originally posted by Seasidegal58
    I haven't done it by being clever , my DH drew out his pension so we could make full and final offers. All accepted except one creditor so far, who we are negotiating with. Hoping the debt will go down to zero before Christmas. Worth it to be debt free though, as it would have taken 92 years otherwise according to Stepchange

    After we're debt free we want to overpay on the mortgage a bit
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £638/Emergency Fund 2 = £120
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 19th Sep 17, 7:13 PM
    • 1,882 Posts
    • 7,279 Thanks
    HairyHandofDartmoor
    The price of your wine and nuts was hair raising Bet you enjoyed it though
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £638/Emergency Fund 2 = £120
    • Sun Addict
    • By Sun Addict 19th Sep 17, 7:33 PM
    • 4,616 Posts
    • 26,338 Thanks
    Sun Addict
    Glad the MRI is over and done with, Mr SA hates them.

    When Inwent to London earlier this year I was in High Holbourn and thought the prices were quite reasonable there. I suppose it varies depending on whether you're in a tourist hot spot.
    Virtual Sealed Pot £671.22
    November NSD 4/12
    Weight loss 1/7lbs
    Mr SA finally in remission December 2013
    • Seasidegal58
    • By Seasidegal58 20th Sep 17, 1:33 PM
    • 1,084 Posts
    • 5,799 Thanks
    Seasidegal58
    Hi Seasidegal, just wanted to say its always worth contacting customer services at Fitbit to say you have lost it and can they trace it. They have been known to replace broken ones out of warranty for example, tell them it was in the original strap/case and it was a bit loose and they may surprise you. Its worth a try at least.
    Originally posted by redofromstart
    I emailed Fitbit's customer services yesterday and they sent me a nice email giving me various options on how to track down the device - syncing, using a Bluetooth app etc - but to no avail. It's definitely not in work or at home. They did say if these options did not work to email them again, which I will do and see what they say.

    Re: meeting up locally rather than in the City - my friend doesn't live near me - we use completely different rail lines to come into London and none of the other connections are convenient. She was up in London that afternoon on a shopping trip so it made sense to meet up near to where I work as her main rail station home leaves from the City. It's just unfortunate that because I work in the financial district prices are higher. There are cheaper options but they tend to get packed out and we like to sit down and have a nice natter and hear one another speak (see - getting old! ). TBH I only have two friends left that work in London - all the rest have either retired or now work locally to them. One of my friends left in London works on the same desk as me and as we spend quite a few lunchtimes together we don't bother after work. My other friend works in the West End and meets me in the City because it's on her way home. I suppose I justify it because as I don't go out in the evening after work that much compared to when I was younger, I don't spend as much as before!

    Went to the gym last night - didn't get back till 9pm so just caught up with Bake-Off while eating my dinner and went straight to bed!

    PA surveys are nearly up to £20! I had a bit of a lull at the weekend and on Monday, but they've started coming through again yesterday. I've also joined You Gov and One Poll. I find I can do them on my phone whilst commuting!

    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!"
    • Scott_Weiland
    • By Scott_Weiland 20th Sep 17, 6:09 PM
    • 616 Posts
    • 1,500 Thanks
    Scott_Weiland
    Make sure you join opinium research if you haven't already, the surveys all come via email and can all be done via smartphone.
    Debts 15981.64 total paid 2078
    Cashback Earnings YTD £166.90 Survey Earnings YTD £535.12
    • brizzledfw
    • By brizzledfw 20th Sep 17, 10:29 PM
    • 7,156 Posts
    • 34,729 Thanks
    brizzledfw
    Congrats on doing the the surveys. I can't be bothered anymore, apart from PC of course. Those are always winners xx
    MFiT-T4 Member No. 96 - 2022 is my MF goal
    Winter 17/18 Savings Rate Goal: 25% [October 30%]
    Declutter 200 items before 31.01.18 xx/200 ** LSDs Target 10 for Winter 0x/10 **AFDs xx/15 ** Sales Target '17 £750 £225 so far
    **NSDs Target 10 for Winter xx/10 Trying to be a Frugalista
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 21st Sep 17, 8:38 PM
    • 1,882 Posts
    • 7,279 Thanks
    HairyHandofDartmoor
    What does PC stand for? I only do You Gov at the moment cos I got so sick of answering questions and then being told I wasn't suitable, it's not my fault I never go anywhere or buy anything
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt in July 2017 = £58,766 DEBT FREE 31 October 2017
    NEW GOALS - Build an Emergency Fund & Loss of Income Fund
    Emergency Fund 1 = £638/Emergency Fund 2 = £120
    • Seasidegal58
    • By Seasidegal58 21st Sep 17, 9:27 PM
    • 1,084 Posts
    • 5,799 Thanks
    Seasidegal58
    What does PC stand for? I only do You Gov at the moment cos I got so sick of answering questions and then being told I wasn't suitable, it's not my fault I never go anywhere or buy anything
    Originally posted by HairyHandofDartmoor
    Not sure what survey brizzle means - I find the Prolific Academic (PA for short) website which was recommended by Scott is a good one and lots of people on the board seem to like it as well. Try it and see what you think.

    Fitbit customer services emailed me today to see how I'd got on with their suggestions. I replied and said unfortunately they didn't work and could they suggest anything else. I'm trying hard for this free Fitbit!

    Ordered my boss's annual subscription to an industry magazine today. £175 which I put on my Amex Cashback card and will claim back on expenses! Other spends were birthday card and book of stamps (from the Gifts Budget) and a donation to Scott's cousin's giving site where she is raising funding for her bobsleighing as the GB ladies team has had their funding slashed. See his thread if you want to find out more.

    Not long been back from the gym so now going to have my dinner and so to bed!

    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!"
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