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    • Seasidegal58
    • By Seasidegal58 18th Sep 16, 1:27 PM
    • 920Posts
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    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 16
    • Seasidegal58
    • By Seasidegal58 12th Oct 17, 9:34 PM
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    Seasidegal58
    Back to work today. a couple of hours and you feel like you've never been away! Quite a few hundred emails to trawl through and plenty to get on with. In the end I cancelled my gym session tonight and stayed and ploughed through it.

    One bright thing - I bought a bottle of limoncello back from Italy for the lovely people in the coffee shop so they can have a snifter on their break! They were so pleased - they are always so nice and cheery in there.

    So once again didn't have time to try and sort out the tax bill. Still at least my replacement Fitbit had arrived whilst I was away and was waiting for me!.

    And DD and OH have decided they are going to build a place for their logs in the alcove in the living room so I won't need to buy the Xmas log basket!

    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 12th Oct 17, 9:59 PM
    • 4,447 Posts
    • 24,873 Thanks
    Sun Addict
    I'm dreading seeing my emails at work after 2 weeks off. It doesn't help that I'm a delegate for the people I'm PA to and I get copied in to all their stuff too.

    Great news about the Fitbit - their customer service is brilliant.
    Virtual Sealed Pot £671.22
    October NSD 6/15
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • Scott_Weiland
    • By Scott_Weiland 12th Oct 17, 10:07 PM
    • 600 Posts
    • 1,416 Thanks
    Scott_Weiland
    I'm dreading seeing my emails at work after 2 weeks off. It doesn't help that I'm a delegate for the people I'm PA to and I get copied in to all their stuff too.

    Great news about the Fitbit - their customer service is brilliant.
    Originally posted by Sun Addict
    haha i know that feeling after 2 weeks holiday i had 600 to go through
    Debts 15981.64 total paid 1934
    Cashback Earnings YTD £164.10 Survey Earnings YTD £503.96
    • Seasidegal58
    • By Seasidegal58 12th Oct 17, 10:13 PM
    • 920 Posts
    • 4,842 Thanks
    Seasidegal58
    haha i know that feeling after 2 weeks holiday i had 600 to go through
    Originally posted by Scott_Weiland
    712 in total! Lucky I put my out of office on, said I had no access to email and directed everyone to the poor bloke helping my boss out while I was away!
    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!"
    • Cumbria lass
    • By Cumbria lass 13th Oct 17, 7:52 AM
    • 627 Posts
    • 2,397 Thanks
    Cumbria lass
    Hope the 712 emails didn't make lots of work for you. It's easy how 2 weeks leave becomes a distant memory far to soon.

    Have a good day .
    Oct 2017 CC1 £3439CC 2 £927

    Debt Free Nov 2019: earlier if I have my way
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 13th Oct 17, 9:10 AM
    • 1,445 Posts
    • 3,935 Thanks
    HairyHandofDartmoor
    712 emails how awful Hope your first day back isn't too much of a shock to the system.

    Ouch to the spendy weekend but I'm sure you'll have a lovely time
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt at highest = £58,766
    Current debt = £16,234, Emergency Fund = £200
    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • Munchin
    • By Munchin 13th Oct 17, 5:21 PM
    • 2,070 Posts
    • 5,974 Thanks
    Munchin
    The holiday feeling disappears very rapidly once you open your mailbox. I know someone who deletes all those outstanding emails without reading them because they should have got their out of office & if itís important the person will contact them again
    • Seasidegal58
    • By Seasidegal58 14th Oct 17, 12:42 PM
    • 920 Posts
    • 4,842 Thanks
    Seasidegal58
    Thanks guys

    The holiday feeling disappears very rapidly once you open your mailbox. I know someone who deletes all those outstanding emails without reading them because they should have got their out of office & if itís important the person will contact them again
    Originally posted by Munchin
    Wow! Thatís very brave! Iíd be too worried about missing a deadline to do that. Some of our clients wouldnt bother to chase me up!

    Been cheap at work the last two days as I brought both my breakfast and lunch into work. Our firmís kitchen is in the process of being renovated so I couldnít make my porridge I took in some Bircher muesli that I made overnight. I got the recipe from the ďEat Well For LessĒ programme. I think this will be my default work breakfast for a while until it gets really cold.

    I went out last night with my friends to a fairly new restaurant that has opened just down the road from me. Itís a new concept locally for a restaurant. It is very small and only serves a tasting menu. It has had some cracking reviews and we had to wait six weeks before we could book! I was a little sceptical as I have had wonderful tasting menus in the past courtesy of DD taking me out and some of our local restaurants can be rather Ďall gong and no dinnerí as my dear boss has a habit of saying! However this was well worth the wait, not at all pretentious for its style plus it was so nice to see a lady sommelier! They are rather uncommon but hopefully becoming less so. We paid extra to have the different wines with each course (yes SSG forgot to scrimp again!) but it was so enjoyable. However Iím now lighter of £80! We all want to go again but, ahem, will leave it until well into 2018! But as a special treat it was wonderful!

    Afterwards we popped into my friendís for an apres dinner drink and I got to bed about 1am! The PT is away for the weekend but I promised myself I would go to the gym this morning but of course you knew that wasnít going to happen didnít you after last night!

    Anyway a friend is picking me up at 2pm as Iím out for late lunch - havenít seen her for a few months and itíll be good to catch up.

    Itís going to be a non-scrimpy run up to Xmas Iím afraid. Not on the pressie front as Iíve budgeted for this and the family are cutting down this year (or supposedly!), but on events out, etc. Itís the way the next few months have folded out- I always seem to spend less overall during the summer!

    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!"
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 14th Oct 17, 2:59 PM
    • 1,445 Posts
    • 3,935 Thanks
    HairyHandofDartmoor
    Wow sounds like you enjoyed the restaurant visit I've never come across a female sommelier so that's good to hear.

    The run up to Christmas always involves lots of socialising, but as long as it's budgeted you can enjoy it guilt free

    I'm having a spendy week too with going out recently, but I don't go out often, it's just that everything happens at once
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt at highest = £58,766
    Current debt = £16,234, Emergency Fund = £200
    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • Seasidegal58
    • By Seasidegal58 14th Oct 17, 4:58 PM
    • 920 Posts
    • 4,842 Thanks
    Seasidegal58
    Thanks Hairy. Yes I think the wine side of the restaurant business seems to have been the last bastion of the ďmacho!Ē Over the the last years women like Angela Hartnett have come to the fore on the chef side and itís time the ladies had a turn with the vino!

    Really enjoyed my time with my friend. We went for a Turkish afternoon tea! Iím absolutely stuffed now - dread getting on the scales tomorrow! It was lovely - lots of different little plates of food ending up with little nibbles of baclava and honey soaked sponge with ice cream. Plus Prosecco! She insisted on paying for me as she said she hadnít got me anything for my birthday a few months ago. It was £15 each with coffee and the Prosecco was extra! Very good value as more and more food kept arriving. We couldnít eat all of it!

    So having a respite now before Iím out this evening for the charity gig. No food involved this time only drinks!

    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 15th Oct 17, 7:15 PM
    • 920 Posts
    • 4,842 Thanks
    Seasidegal58
    Charity gig was excellent including my friendís DD! The concert was made up of artistes from our area - you donít realise how much great local talent there is until you attend a show like this. I only spent £7.90 on drinks and donated a fiver to the charity so not bad all round for the evening. It was very hot in there so just had two V&Ts and then went onto sparkling water!

    Today I have just pottered so finally a NSD!

    On checking the diary Iíve got the hairdressers on Tuesday evening (but this budgeted for), podiatrist on Wednesday evening (medical insurance covers that), and on Friday evening Iíve got the Aussie Pink Floyd Concert. This is local and Iím going with DD who bought me the ticket last Xmas. So will only have taxi fares and perhaps a drink in the interval.

    Saturday will be a bit more costly though. DD, DSis, her OH and me are off to see a matinee of Dreamgirls. We bought the tickets some months ago so thatís covered but DD and I are treating DSis/OH to a meal afterwards as their 10th anniversary present. It was tin this year but we couldnít think of a suitable present even after racking our brains! So we decided to treat them to their fav restaurant - I did wrap the invitation up in tinfoil though!

    So apart from the above (and my Monday lunchtime latte with my friend) Iíll be scrimping for the rest of the week - all breakfasts and lunches homemade and no other purchases!

    Re surveys - finally got a PA through! One Poll - Iím up to £10.40 and 700 points on YouGov. Still a long way to go!

    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 15th Oct 17, 7:53 PM
    • 4,447 Posts
    • 24,873 Thanks
    Sun Addict
    All sounding good SSG xx
    Virtual Sealed Pot £671.22
    October NSD 6/15
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • Cumbria lass
    • By Cumbria lass 15th Oct 17, 8:08 PM
    • 627 Posts
    • 2,397 Thanks
    Cumbria lass
    Turkish afternoon tea sounds a bit different , might research that for a birthday treat for me , it's not till December so gave time . Enjoy all your social events in the coming weeks .
    Oct 2017 CC1 £3439CC 2 £927

    Debt Free Nov 2019: earlier if I have my way
    • reality_check
    • By reality_check 16th Oct 17, 1:22 PM
    • 672 Posts
    • 1,407 Thanks
    reality_check
    All your plans sound wonderful, a busy social life, but so you should, you've worked hard, paid off debt, savings in the bank and not getting into debt for anything you do anymore. I can't wait to be in your position! xxx

    p.s I am really craving some baclava now, I love it!
    Starting debt £18,675.63
    Current debt: £8,250
    • Seasidegal58
    • By Seasidegal58 16th Oct 17, 8:13 PM
    • 920 Posts
    • 4,842 Thanks
    Seasidegal58
    Such strange weather today with the eerie afternoon yellow light! End of Days comes to mind!

    All sounding good SSG xx
    Originally posted by Sun Addict
    Thanks SA!

    Turkish afternoon tea sounds a bit different , might research that for a birthday treat for me , it's not till December so gave time . Enjoy all your social events in the coming weeks .
    Originally posted by Cumbria lass
    The restaurant advertises it as an ĎAfternoon TurkĒ Cumbria Lass!

    All your plans sound wonderful, a busy social life, but so you should, you've worked hard, paid off debt, savings in the bank and not getting into debt for anything you do anymore. I can't wait to be in your position! xxx

    p.s I am really craving some baclava now, I love it!
    Originally posted by reality_check
    Reality - re the baclava - so am I now - and Iíve just had my dinner! Thanks for the kind words. Sometimes I feel I can still be too extravagant but at least Iím nothing like I used to be. A have a horror now of falling into debt and not having a financial safety net. My food/household products budget is still at £120 per month and I have a budget for all the other categories. Whatís left is my discretionary spends. Mind you the kitchen fund has hardly got going and is will be used to replace the drawings out of the emergency fund for the tooth bill! I thought my appointment was next week but itís actually on Wednesday morning!

    I didnít have to pay for the lattes today as got freebies! They must have liked the limoncello!
    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 16th Oct 17, 8:20 PM
    • 1,445 Posts
    • 3,935 Thanks
    HairyHandofDartmoor
    I will be the same SSG (if DH and I ever get out of debt), terrified of falling back into it

    It sounds like you've been having some good times
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt at highest = £58,766
    Current debt = £16,234, Emergency Fund = £200
    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • Purplebonnie
    • By Purplebonnie 18th Oct 17, 7:16 AM
    • 89 Posts
    • 562 Thanks
    Purplebonnie
    I envy your energy for such a hectic social life. If I go out on a school night I am absolutely done in the next day!
    September 2017 Total Debt £37188.89 / DFD 01/05/22
    October 2017 Debt £36149.48 / DFD 01/04/22
    Extra Payments : 0.1% = £37.19 Total paid 0.3%
    MBNA - £5350.73

    October Food Budget : £200/£114.94 Extra Income £100 /£81.06
    SFD : 8/31 Weight Loss (Goal 8lbs) :
    • Sun Addict
    • By Sun Addict 18th Oct 17, 8:52 PM
    • 4,447 Posts
    • 24,873 Thanks
    Sun Addict
    I can't even stay awake long enough to watch TV programmes after 9pm on a weeknight let alone go out! It's all rock 'n' roll here
    Virtual Sealed Pot £671.22
    October NSD 6/15
    Weight loss 0/7lbs
    Mr SA finally in remission December 2013
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 18th Oct 17, 8:56 PM
    • 1,445 Posts
    • 3,935 Thanks
    HairyHandofDartmoor
    I can't even stay awake long enough to watch TV programmes after 9pm on a weeknight let alone go out! It's all rock 'n' roll here
    Originally posted by Sun Addict
    I'm the same, I need my early nights or I'm dead the next day
    My Diary http://forums.moneysavingexpert.com/showthread.php?t=5716867
    Debt at highest = £58,766
    Current debt = £16,234, Emergency Fund = £200
    Long Hauler No. 156 Spendaholics Anonymous No. 47
    • Seasidegal58
    • By Seasidegal58 19th Oct 17, 9:46 PM
    • 920 Posts
    • 4,842 Thanks
    Seasidegal58
    I envy your energy for such a hectic social life. If I go out on a school night I am absolutely done in the next day!
    Originally posted by Purplebonnie
    I can't even stay awake long enough to watch TV programmes after 9pm on a weeknight let alone go out! It's all rock 'n' roll here
    Originally posted by Sun Addict
    I'm the same, I need my early nights or I'm dead the next day
    Originally posted by HairyHandofDartmoor
    I do prefer socialising on a Friday or Saturday where I donít have to go to work the next day! I couldnít go out on weeknights like I used to when I was younger. And even this week - Iíve been late in each night since Tuesday owing to hair appointment, foot consultant, and work! I feel absolutely wiped out.

    The foot appointment was depressing. The MRI scan and X-rays showed that Iíve got a large boney lump on the back and under my heel which had torn the tendon under my sole and has caused the plantar fasciitis. Iíve also got some arthritis round my ankle and big toe due to wear and tear. He wants to refer me for a second opinion to a foot surgeon so it goes on and on. And no more high impact cardio....

    Also went to dentist and paid that awful bill - so thatís the emergency fund depleted and Iíll have to start paying it back.

    I moved £2400 from my e-saver which had matured to the 123 account together with the c.£39 interest.

    Still trudging on with the surveys. Nothing else much happened. Concert with DD tomorrow night though.

    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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