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  • FIRST POST
    • Seasidegal58
    • By Seasidegal58 18th Sep 16, 1:27 PM
    • 1,400Posts
    • 8,135Thanks
    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!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
Page 28
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 7th Jan 18, 10:52 PM
    • 2,831 Posts
    • 16,377 Thanks
    HairyHandofDartmoor
    Never heard of Jason .

    It was a perfect winter day today, if I hadn't been cleaning windows I would have liked to go for a walk .
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • in need of direction
    • By in need of direction 8th Jan 18, 9:44 AM
    • 4,799 Posts
    • 27,287 Thanks
    in need of direction
    If your windows are anything like mine, cleaning them will burn more energy than walking!
    Mortgage at 01.01.14 £119,481.83 today £78,892.61, target £65,000 by 31/12/18 Offset fund today £4,075.43 target £5,500 by 31/12/18
    Emergency fund £355.5k & £200/200 cash.
    Current weight loss 9/32 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • Seasidegal58
    • By Seasidegal58 8th Jan 18, 8:55 PM
    • 1,400 Posts
    • 8,135 Thanks
    Seasidegal58
    Never heard of Jason . .
    Originally posted by HairyHandofDartmoor
    He did quite a bit of film and TV work in the 80s and 90s Hairy. He played the main role in ĎRobin of Sherwoodí on TV.

    His son Jason was a bit of alright unfortunately you don't hear of him now.
    Originally posted by Sun Addict
    Heís lost his hair and put on a little bit of weight now (OMG he sounds just like me)

    I did meet him once SA - years ago when he was younger - he was a client at one of my previous employers. Well when I say met him I went into the room where he was having his meeting to deliver some papers and we both said hello! All the girls on reception were twittering away excitedly when he came in!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Jan 18, 9:01 PM
    • 2,831 Posts
    • 16,377 Thanks
    HairyHandofDartmoor
    If your windows are anything like mine, cleaning them will burn more energy than walking!
    Originally posted by in need of direction
    I think it did burn a lot of calories, I certainly slept well last night.
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • Seasidegal58
    • By Seasidegal58 8th Jan 18, 9:02 PM
    • 1,400 Posts
    • 8,135 Thanks
    Seasidegal58
    Weigh in day today. Lost 5 lbs !

    Today wasnít a NSD though as I bought the cinema tickets for the weekend. Can get cheaper over 60s tickets now and 10% discount for booking on line!

    All back to normal at work - it appeared a full office today and all our desk was back.

    Had chili and baked potato tonight - rest of chili went in freezer. Diet day from the 5:2 tomorrow.

    Enjoy your evening everyone.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Jan 18, 9:03 PM
    • 2,831 Posts
    • 16,377 Thanks
    HairyHandofDartmoor
    He did quite a bit of film and TV work in the 80s and 90s Hairy. He played the main role in ĎRobin of Sherwoodí on TV.



    Heís lost his hair and put on a little bit of weight now (OMG he sounds just like me)

    I did meet him once SA - years ago when he was younger - he was a client at one of my previous employers. Well when I say met him I went into the room where he was having his meeting to deliver some papers and we both said hello! All the girls on reception were twittering away excitedly when he came in!
    Originally posted by Seasidegal58
    Of course, I used to watch Robin of Sherwood many moons ago. How exciting to meet him, although I think I'd rather meet his dad .
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Jan 18, 9:05 PM
    • 2,831 Posts
    • 16,377 Thanks
    HairyHandofDartmoor
    Weigh in day today. Lost 5 lbs !

    Today wasnít a NSD though as I bought the cinema tickets for the weekend. Can get cheaper over 60s tickets now and 10% discount for booking on line!

    All back to normal at work - it appeared a full office today and all our desk was back.

    Had chili and baked potato tonight - rest of chili went in freezer. Diet day from the 5:2 tomorrow.

    Enjoy your evening everyone.
    Originally posted by Seasidegal58
    Wow 5lb however did you manage that? Well done .
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • Seasidegal58
    • By Seasidegal58 8th Jan 18, 9:10 PM
    • 1,400 Posts
    • 8,135 Thanks
    Seasidegal58
    I nearly met his dad as well Hairy! I was having my eyes lasered about fifteen years ago and Mr Connery Sr walked out of my surgeonís office just as I was going in. I didnít really clock it was him - aware I knew him from somewhere, but then my surgeon said ďOh did you see Sean Connery there as you walked in?Ē

    Right Iíll now stop sharing my stories of my life amongst the jet set!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • Seasidegal58
    • By Seasidegal58 8th Jan 18, 9:13 PM
    • 1,400 Posts
    • 8,135 Thanks
    Seasidegal58
    Wow 5lb however did you manage that? Well done .
    Originally posted by HairyHandofDartmoor
    I think it one day of doing the 5:2 plus it was the first week of dieting and I always lose a bit of water then.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 8th Jan 18, 9:13 PM
    • 2,831 Posts
    • 16,377 Thanks
    HairyHandofDartmoor
    I think I'd have run after him SSG who needs good eyesight when you could meet Sean .
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • redofromstart
    • By redofromstart 8th Jan 18, 9:21 PM
    • 844 Posts
    • 4,850 Thanks
    redofromstart
    5lbs!? Well done.
    • Seasidegal58
    • By Seasidegal58 8th Jan 18, 9:22 PM
    • 1,400 Posts
    • 8,135 Thanks
    Seasidegal58
    I think I'd have run after him SSG who needs good eyesight when you could meet Sean .
    Originally posted by HairyHandofDartmoor
    Another of lifeís missed opportunities........
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • Seasidegal58
    • By Seasidegal58 9th Jan 18, 7:44 PM
    • 1,400 Posts
    • 8,135 Thanks
    Seasidegal58
    Not much going on today. Get up, get on train, work, get on train, home! Still itís was at least a NSD.

    It was one of the 2 bits of the 5:2 diet today. Two hard boiled eggs for breakfast at work, apple at lunch time and chicken broth with ryvitas and scraping of low fat butter spread later on for dinner. But one good thing of this diet is at least I can go back to eating reasonably normally tomorrow. And walking to and from the station at both ends of the commute knocks up around 35 minutes per day (one leg of it up a big hill!)

    Have a good Tuesday evening everyone!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Jan 18, 7:47 PM
    • 2,831 Posts
    • 16,377 Thanks
    HairyHandofDartmoor
    I couldn't cope if that was all I ate SSG I don't know how you do it!
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • Sun Addict
    • By Sun Addict 9th Jan 18, 8:09 PM
    • 4,963 Posts
    • 30,819 Thanks
    Sun Addict
    Well done on losing 5lbs Love your Connery men tales
    Virtual Sealed Pot 2018 £94.62
    Jan NSDs 4 Jan AFDs 6
    Weight loss 3/10LBS Emergency Fund £1685.31/£10,000
    April holiday £803.90/£803.90
    • Seasidegal58
    • By Seasidegal58 9th Jan 18, 8:11 PM
    • 1,400 Posts
    • 8,135 Thanks
    Seasidegal58
    Funnily enough I find it quite easy whilst Iím at work Hairy because Iím busy. Itís when I get home that the rot usually starts. Iíve never smoked but my friends that have or do have said that they find it hard to have a coffee/tea/alcoholic drink without wanting a cigarette as the two go together in their minds. I feel the same in the evening when I settle down in front of the TV - TV and food go together! But Iím going to be very good - either that or Iíll have to get out more!
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • Seasidegal58
    • By Seasidegal58 9th Jan 18, 8:13 PM
    • 1,400 Posts
    • 8,135 Thanks
    Seasidegal58
    Well done on losing 5lbs Love your Connery men tales
    Originally posted by Sun Addict
    Thanks SA. Funnily enough I do have a Brad Pitt one but itís a bit weird and not sure I should post it here.........
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Jan 18, 8:14 PM
    • 2,831 Posts
    • 16,377 Thanks
    HairyHandofDartmoor
    Well I think you're amazing, I couldn't do it. That's why I lose weight so slowly . I find cups of tea help fill me up when I'm hungry.
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • HairyHandofDartmoor
    • By HairyHandofDartmoor 9th Jan 18, 8:16 PM
    • 2,831 Posts
    • 16,377 Thanks
    HairyHandofDartmoor
    Tell us the Brad Pitt one SSG
    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. Then save up for repairs to the house.
    Emergency Fund 1 = £818/Emergency Fund 2 = £110.76/Loss of Income Fund £0
    • Seasidegal58
    • By Seasidegal58 9th Jan 18, 8:18 PM
    • 1,400 Posts
    • 8,135 Thanks
    Seasidegal58
    Well I think you're amazing, I couldn't do it. That's why I lose weight so slowly . I find cups of tea help fill me up when I'm hungry.
    Originally posted by HairyHandofDartmoor
    Thatís lovely of you to say that Hairy, butIíve got to keep to it. Hopefully youíll still say that in a few months time as Iíve a bit to lose and Iím for the long haul. Like you Iím filling the gaps with liquids - water and coffees with a tiny splash of semi-skimmed.
    Finally Debt Free! - July 2016
    Finished Emergency Fund- £10,000 April 2017

    Next Scrimpy Goal - Save for New Kitchen!
    Surveys: PA: £15.78/£20; One Poll: £15.40/£40: Opinium: £10.50/£25; Panelbase: £5/£10; You Gov: 1625/5000 points (£50)
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