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    • Pippilongstocking
    • By Pippilongstocking 6th Aug 17, 2:21 PM
    • 14,844Posts
    • 97,512Thanks
    Pippilongstocking
    Fabulously Frugal and Free at 50!
    • #1
    • 6th Aug 17, 2:21 PM
    Fabulously Frugal and Free at 50! 6th Aug 17 at 2:21 PM
    Hello folks - tis I, again. I've been on the boards for a goodly while now and learn new things on here everyday from the MSE angels here. Thank you all!

    So I'm 50 soon and no idea how that happened and I've been making a wee list with the family. So, in order to push that final bit of debt finally away and let myself be free at 50, I've decided to make my number 1 thing on my list to be debt free by 50.

    Current debt is at just under £6k (plus pesky student loan which is in hand), having been at almost £35k before I found you all, we all know MSE works, as does focus. So here I am.

    The plan is as always to eat frugally, use YS and free food where we can and throw the extra at the cards and OD's where I can. Having just ditched the p/t job - I'm feeling a bit all at sea. I'm 500/month down and need to pull my socks up to make sure it doesn't feel so ouchy.

    I've a f/t job as a gardener in a large old estate - so whilst the pay is uber-modest, I'm lucky enough that it is both secure, nurturing, and nourishing (for body and soul) as its beautiful but we also grow a lot of veg there! I can't complain - I teach, I grow and I am finding working full time really suits me, I'm super lucky I work in something I'm really really passionate about I know I'm so totally grateful for that part of my life. You see you study forever, but still a job sneaks up on you. Darn that gardening gene :P

    So here's the 50 list. The plan is to do as many of these as frugally as possible whilst having as much fun and living as fully as possible. Yes, I'm trying to be THAT cheap date, so I need to do some planning and find cunning ways to get that list done as frugally as possible.

    Fabulously Frugal and Free at 50! Lets do this.

    1 – BE DEBT FREE
    2 – 50 random acts of kindness 2/50
    3 - Have a pedicure
    4 - Miso making - learn to make my own miso
    5 – Have at least ONE adventure each month, close or far away 1/12 done 2 more booked
    6 - Go to Iceland (like in real life not just for frozen food, or both or to a talk/exhibition)
    7 – Have a henna tattoo
    8 - Charity shop bonanza – every, last one in my county at least and/or go to as many as each place I visit next year?
    9 - Stay in St Andrews for a night
    10 - Grow groundnuts, sweet potatoes and some other exotic veg I’ve always wanted to
    11 - Visit a garden show
    12 – NHM with DS if possible or the whole family or a chum but GO!
    13 - Walk the local coastal path 112 milesmore bits done with EH
    14 - Design a garden for myself and make it
    15 – Keep a gratitude diary, like actively keep one started 12/10/17
    16 - Give blood
    17 - Go to a yoga retreat or just a class
    18 - Mocktails somewhere fabulous
    19 – Have a family photo taken
    20 – Grow a spice cupboard (ginger, turmeric, etc etc) why not tumeric planted
    21 – Have a ski lesson
    22 – Walk the Water of Leith
    23 – See a mentor speak
    24 – Have a ‘mate date’ once a month and find something ridiculous to do for free 1/12
    25 – Go to an online chum meet up and/or meet up with online chums 1/many I hope
    26 – Visit my favourite people at least once this year, no excuses 3 faves visited since this list.
    27 – Make a vegetarian meal at least once a week started 5/10/17
    28 – Print photos of the family and adventures and frame them
    29 – Make a new memory heart quilt – the kids each have one as does DH but not me
    30 – Float in the sea in a rubber ring with gay abandon
    31 – Restart my blog – I miss writing
    32 - Make a hat
    33 – Start a recipe book for myself
    34 – Make a proper pantry
    35 – Find somewhere to volunteer
    36 – Take a photo every day for a year to capture something special
    37 – Try a dance class or Zumba
    38 – Try an alternative therapy
    39 – Wear a beautiful frock to an event
    40 – Have afternoon tea in the garden with a friend
    41 – Have singing lesson or join a local choir
    42 - BBQ on the beach
    43 – At least one trip with us all and one weekend with us all at home, or just ONE night
    44 – Go to a costume party
    45 – Grow as much of my own food and cordial as I can
    46 – Get chickens (again)
    47 – Eat at some crazy hidden restaurants for as frugal as possible
    48 – Have a picnic
    49 – Take a long train journey
    50 – Have a really good haircut or change the style, why not

    Let the fabulous frugal games begin.
    Last edited by Pippilongstocking; 07-11-2017 at 7:00 PM.
    Overdraft 1 £1000/£100, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/2160
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40
    :
Page 14
    • beanielou
    • By beanielou 25th Sep 17, 12:49 PM
    • 48,999 Posts
    • 181,875 Thanks
    beanielou
    Very dreich along the road too
    You are doing so so well
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • in need of direction
    • By in need of direction 25th Sep 17, 4:29 PM
    • 4,737 Posts
    • 26,828 Thanks
    in need of direction
    we actually had sunshine today. that was a shock!
    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 & £130/200 cash.
    Current weight loss 7/32 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • EssexHebridean
    • By EssexHebridean 26th Sep 17, 12:05 PM
    • 8,212 Posts
    • 43,451 Thanks
    EssexHebridean
    Sun's trying to come out here but not really succeeding well - hey ho.

    Stripes sending good vibes about your Ma - you can only do what she'll let you but of course you're going to be worried, that's inevitable. Hoping there's some more news about treatment etc by now - another friend of mine is currently going through the "treatment before op" thing too - radiotherapy in his case - so it's not an altogether strange concept to me - the idea being I think that it will shrink what is there to make it accessible for an Op.

    Nice sounding baking going on in here mind - I finally managed to have a proper cooking session in my fabby new kitchen on Friday - much curry-ish goodness was made and some of it resides in the freezer for another time which is rather wonderful! i do love a carrot cake though. As for "not liking cake" - I've seen you eat cake! (And you didn't pull your beer-face at it either!)
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£656.45 (20/11/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Hiddenidenity
    • By Hiddenidenity 2nd Oct 17, 4:46 PM
    • 4,230 Posts
    • 26,459 Thanks
    Hiddenidenity
    Hope everything is okay x
    • beanielou
    • By beanielou 3rd Oct 17, 11:13 AM
    • 48,999 Posts
    • 181,875 Thanks
    beanielou
    Missing you.
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • EssexHebridean
    • By EssexHebridean 4th Oct 17, 9:18 PM
    • 8,212 Posts
    • 43,451 Thanks
    EssexHebridean
    Just to let you guys know that our lovely Stripey chum is fine but has masses going on right now - but this place is very much in her mind and she'll be back when things calm down a bit and her feet touch the floor!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£656.45 (20/11/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • beanielou
    • By beanielou 4th Oct 17, 9:40 PM
    • 48,999 Posts
    • 181,875 Thanks
    beanielou
    Thanks for undating us EH
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • UncannyScot
    • By UncannyScot 4th Oct 17, 9:45 PM
    • 873 Posts
    • 5,080 Thanks
    UncannyScot
    Know you got a lot on your plate just now...
    Just want to let you know that I am thinking of you and your wee mammy
    BUGGRITMILLENIUMHANDANDSHRIMP I TOLD EM! - Foul Ole Ron
    It is important that we know where we come from, because if you do not know where you come from, then you do not know where you are, and if you don't know where you are, then you don't know where you are going. If you don't know where you're going, you're probably going wrong.
    R.I.P. T.P.
    • Pippilongstocking
    • By Pippilongstocking 8th Oct 17, 4:20 PM
    • 14,844 Posts
    • 97,512 Thanks
    Pippilongstocking
    Aw thanks chaps for being so kind and lovely and being HERE.

    Much appreciated.

    Wee mammy isn't so great but fighting her corner - was at the big hospital earlier in the week having first treatment - 7.5 hours of treatment later I took her home to have a rest and hopefully it will start to fight the nasty stuff. Back again in under 3 weeks for the second round. Poor wumman. Need to help get some paperwork and a blue badge sorted for her as the hosp is in a diff region to where she lives so she needs help from diff people. Crossing everything and know all the good vibes here are also plentiful. Thank you so much

    Just in from work, yes whilst the wee white monkeys aren't up yet - there's lots to do as our new building opens tomorrow. Accidentially managed to unearth/move/distrurb/piddleoff a wasps nest yesterday.

    Not fun. We can safely say I'm not allergic, but I do feel after 22 stings I've been through the wringer with a boxer. I won't be disturbing wasps again that's for sure.

    MSE wise not much happenning - eating meals from stores etc but no mindful MSE'ness occurring right now.

    First time I've turned on the pc so I must check banks etc.

    Lovely to have a breath to catch up with you all, missed you all!

    XOXOXO

    Back in a jiffy.
    Overdraft 1 £1000/£100, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/2160
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40
    :
    • EssexHebridean
    • By EssexHebridean 8th Oct 17, 5:39 PM
    • 8,212 Posts
    • 43,451 Thanks
    EssexHebridean
    22?!!! Ouchy - poor you! (And thank goodness you're NOT allergic!)

    Lots of positive vibes heading to your Mum & you - best place, best possible treatment is a great place to be tackling this from so fingers crossed for her. Hope the paperwork and blue badge sorting goes smoothly too.

    Thought of you this afternoon when we nabbed some YS'd bready bargains - bagels at 8p or 5p a pack, and oven bottom muffins at 4p a pack. Freezer is now full of nice bread type things!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£656.45 (20/11/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • beanielou
    • By beanielou 8th Oct 17, 7:09 PM
    • 48,999 Posts
    • 181,875 Thanks
    beanielou
    22 stings~so not nice.
    Positive vibes for yer maw xx
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~** **Weight loss 2 stone 2 lbs **

    "A large income is the best recipe for happiness I ever heard of" Jane Austen in Mansfield Park.
    ***Fall down seven times,stand up eight*** ~~Japanese proverb.
    It starts with you, it starts from now. *** It is ok to be me.*** ***Keep plodding***
    • Hiddenidenity
    • By Hiddenidenity 8th Oct 17, 7:12 PM
    • 4,230 Posts
    • 26,459 Thanks
    Hiddenidenity
    Echo the others

    Take some time to yourself too xx
    • wishingthemortgaheaway
    • By wishingthemortgaheaway 8th Oct 17, 8:07 PM
    • 639 Posts
    • 2,521 Thanks
    wishingthemortgaheaway
    Ouch ouch, I bet you have a remedy for them though.

    Hope this week is better
    The 100 payment countdown (each payment = £400)
    2017 July : £36,800 8/100 Aug: £36,411.85 8/100 Sep: £35,945.66 10/100 Oct: £35,500 11/100
    Term Mortgage free date: October 2029
    Current mortgage free date: April 2025
    • Pippilongstocking
    • By Pippilongstocking 8th Oct 17, 8:20 PM
    • 14,844 Posts
    • 97,512 Thanks
    Pippilongstocking
    Aw thanks chaps - chum has just popped her jack russell here for the week they're off on holiday and I'm puppy sitting - its not altruistic in the slightest I'm hoping they'll have one of mine at christmas when we are away as the usual puppy grandma is not her usual self.

    Wow to the bargains EH - and yup seems I'm not allergic but man they itch!!

    Hope everyone is grand.

    Roast chook (reduced) in oven - HG tatties on the stove and turning 2kg of tommy's into soup as we speak.

    Lunches in the freezer are a bit bare - but the stores are full so need to make a plan or two to fill up that freezer with tasty work treats.



    Paid cleaner £44 for the month
    Paid £180 to holiday to DH
    Paid £40 buspass for dd for her buses.

    All good.

    Must rustle up some soup.
    Overdraft 1 £1000/£100, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/2160
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40
    :
    • in need of direction
    • By in need of direction 8th Oct 17, 9:33 PM
    • 4,737 Posts
    • 26,828 Thanks
    in need of direction
    we were doused in vinegar if we were stung as children. can't remember if it worked but it may be worth a go.
    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 & £130/200 cash.
    Current weight loss 7/32 by 28 feb 2018
    determined to stop defining myself by my mistakes.
    Progress not perfection.
    • EssexHebridean
    • By EssexHebridean 9th Oct 17, 12:41 PM
    • 8,212 Posts
    • 43,451 Thanks
    EssexHebridean
    That's a good bit of advice INOD - vinegar on wasp stings does work I believe. Of course with 22 of them Pippi might get mistaken for something from her local chippy if she tries it!

    Saw the puppy pic Stripes - very cute. I can only imagine Hound the Elder's reaction to THAT little bundle of trouble, though!
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£656.45 (20/11/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Pippilongstocking
    • By Pippilongstocking 9th Oct 17, 6:20 PM
    • 14,844 Posts
    • 97,512 Thanks
    Pippilongstocking
    I was indeed sent to the work shower with a bottle of vinegar and a radio (walkietalkie) so I did rather smell like a pickle.

    Waves to all. I think the youngest hound here has its nose far more put out than that of senior EH - most amusing. Elder hound has been offered lodging with best chum in dundee - so if wee maw is still not 100% then I don't have to impose. Younger hound sadly chases the besties cat too much - elder hound simply doesn't care.

    Busy busy day at work - new building opened and we had an apple juicing day - home with some free apple juice - beautiful - and as many apples as I could carry - this I did decline as well, we've plenty here.

    Bit cold so looking to put the fire on later.

    HG/HM lunch at home as nipped back to check the hounds. 3 dogs at work is a step too far even for me.

    Thinking chinese chicken curry for tea from the reduced chook everyone was too late/too tired to eat. It won't go to waste that's for sure.

    Wood needed to be topped up and the kindles - will do that first.

    Hope everyone is well.

    XOXOXO
    Overdraft 1 £1000/£100, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/2160
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40
    :
    • apple muncher
    • By apple muncher 9th Oct 17, 9:21 PM
    • 6,634 Posts
    • 48,658 Thanks
    apple muncher
    Got dh to pick the last cox's apple from our tree the other day, and thought of you!
    NST DDD#1; NSD 4/15; Ex 2/12; craft 11/30 (267); remove /31 (601)
    2017 MFW#63 Pay off: £3708/£4050; 2
    017 sell 351

    Mortgage £23,486 (01/14: £78,201; 01/15: £59,629; 01/16: 39,915; 01/17: 27,295) MFWDate Dec 2018
    • EssexHebridean
    • By EssexHebridean 10th Oct 17, 11:38 AM
    • 8,212 Posts
    • 43,451 Thanks
    EssexHebridean
    Did you do curry with your chook Pippi? I used a chunk of ours from sunday in a sort of Spanish Style stew last night - it's purely made "Spanish style" by having smoked paprika and masses of sliced peppers added to it if I'm honest, but it sounds good! (tastes it too!)

    imagining Younger Hound's reaction - yes, I can see that! Glad one of your two at least is sorted for Christmas.
    MORTGAGE FREE 30/09/2016
    Sainsbugs 0% card: 22/12/16 £1229.00/£656.45 (20/11/17)
    SOA Calculator for DFW newbies: Stoozing.com SOA Calculator
    • Pippilongstocking
    • By Pippilongstocking 10th Oct 17, 6:50 PM
    • 14,844 Posts
    • 97,512 Thanks
    Pippilongstocking
    A chunk went to curry yes - the rest is 'pending' - thanks EH.

    Applemuncher - yummy reminds me I must pick ours. We have a variety called Allington Pippin at work - its gorgeous too.

    Busy day - wee maw is back in the big hosp not going in again tonight, was there last night again. Been a bit frantic tbh - petrol budget it out the window this month. Not sure I can make much in the way of overpayments but its a very odd time.

    Need to organise an online shop and sort few bits for himself - who's up to his ears in MSc.

    Guess I'll check the banks and see if I can get my head round an online shop.

    Fires on and need a wee tidy in the kitchen.
    Overdraft 1 £1000/£100, Overdraft 2 £1000/£0, Credit Card 1 £1044.93/£0, Credit Card 2 £2710.57/2160
    Total Debt as of 6/8/2017 £5755.40 eek: total debt 24/9 £4060 PAID off £1695.40
    :
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