Mr and Mrs K's New Journey to a Debt Free Life.

AlexLK

EchoDelta wrote: »

No, not into jewellery either. I have a ring that cost about a tenner that Mr Delta bought me on our first holiday together, engagement ring, wedding ring and an eternity ring from when Small was born. That's it, no bracelets, earrings, necklaces etc. I find them a bit irritating to wear and I would worry about anything too expensive on me in case it got lost. My sister loves jewellery though - maybe she got my share of the genes!

Re violin, hmm, I guess I was okay for a while, youth orchestra for a bit etc. No great shakes by any stretch of the imagination!

I got into debt by living in an old house that had dry rot.

Nothing finer than a roof over your head and beams that don't collapse!!!

Btw I have a "dress for a wedding - preferably your own" party in mind for our tenth anniversary :rotfl:

Mrs. K. likes her jewellery! In a way we are rather bad for one and other as there is not a natural saver between the two of us.

I used to love youth orchestra but then again my parents were very strict and it was time away from home to do things I would not dare to in their presence! :rotfl: Thank you for bringing back some wonderful memories.

I feel your pain for the bills of living in an old house, especially one with dry rot - my parents more or less restored their house from the ground up.

My wife wants us to renew our vows when she is 40. Perhaps, it is her hoping what became for worse, for poorer and in sickness will become the coveted for better, for richer and in health! On the other hand, it's a good excuse for a party.

AlexLK

7roland8 wrote: »

Well can still get into my dress after 36 years - cannot breath though!!

Yikes to your spending today Alex - but if you can go for it. Just wish I could lavish like that.

:rotfl: Mrs. K. would be happy with that result.

Yes, spending was a little excessive today and have to admit, I'm really failing to keep to any sort of budget at the moment. Probably doesn't help that I'm feeling "richer" than I have done in years at the moment, either.

EchoDelta

Your youth orchestra sounds way more fun than the one I was in - lots of very earnest people!

Vow renewal and a party sounds fabulous

Are you nearly done on the Christmas shopping?

EchoDelta

This time of year is hard for sticking to budgets... You'll have to join mum2one's Christmas thread next year - you'd be pretty much all done by now!

7roland8

Yes hard to budget in December - even if you don't go mad.

I always do a good sort out in January and try and live off the food we have for a while - ditto with toiletries etc.

Though most items bought this year have been on offer or a glitch of one sort or another - so have massively saved and got most for next to nothing - thanks to all the tip offs from the good people on here!

AlexLK

EchoDelta wrote: »

Your youth orchestra sounds way more fun than the one I was in - lots of very earnest people!

Vow renewal and a party sounds fabulous

Are you nearly done on the Christmas shopping?

Mine was brilliant! We used to have a residential in this big old hotel, worked very hard (8 hours playing a day) but we had A LOT of fun. Not to mention there was this girl there who played 'cello; I spent three years lusting over her but wouldn't have dared approach, she was a couple of years older than me and seemed very worldly wise at the time. :rotfl:

As for Christmas shopping, we are getting there. My parents and Mrs. K.'s family are now done.

AlexLK

EchoDelta wrote: »

This time of year is hard for sticking to budgets... You'll have to join mum2one's Christmas thread next year - you'd be pretty much all done by now!

In many ways I really want to throw the budget out the window, I'm quite fed up of continually having to think about it. However, I know I've got to. Poverty does not suit me.

I reckon mum2one wants me to join her Christmas thread too. However, considering I'm usually a 24th December type of man I'm doing VERY well this year.

7roland8 wrote: »

Yes hard to budget in December - even if you don't go mad.

I always do a good sort out in January and try and live off the food we have for a while - ditto with toiletries etc.

Though most items bought this year have been on offer or a glitch of one sort or another - so have massively saved and got most for next to nothing - thanks to all the tip offs from the good people on here!

Think I need a good "kick up the backside" so far as budgeting goes.

We'll have to try that in January, though we don't keep a lot of food in our house there are always those few things you don't really want which ends up being thrown away.

Well done, are these items for Christmas presents you've got on offer? Is there an easy way to filter through all the offers people put on here?

mum2one

AlexLK wrote: »

In many ways I really want to throw the budget out the window, I'm quite fed up of continually having to think about it. However, I know I've got to. Poverty does not suit me.

We all get moments like that, guess its part of the package, but after a while just becomes second nature

I reckon mum2one wants me to join her Christmas thread too. However, considering I'm usually a 24th December type of man I'm doing VERY well this year.

I have my eye on you, we're get you organised!


Think I need a good "kick up the backside" so far as budgeting goes.
Its the time of the year, but you budgeted for Xmas, and as long your in your own guidelines your doing well

We'll have to try that in January, though we don't keep a lot of food in our house there are always those few things you don't really want which ends up being thrown away.
Now you've got the slow cooker, think of the things you can chuck into the cooker, if your still eating Turkey on New years eve, thats when we start worrying...
Well done, are these items for Christmas presents you've got on offer? Is there an easy way to filter through all the offers people put on here?

There is the grabbit board, I'm pretty sure that you can click the link and it gives you the thread titles, sometimes can be hit and miss, but the thing to remember its only a bargain if you really need it.

I like the sales,

Boots - although they start half price, the last few years they have had 75% off, end of Jan, it can be hit and miss, but even if you get a present and add something to it at a later date.

Argos - Although they have the traditional Xmas sales, when they change catalogues (around 21st Jan and 21st July) they have clearance section, and there are bargains to be had...

Hope your ok and you take care x

7roland8

AlexLK wrote: »

Well done, are these items for Christmas presents you've got on offer? Is there an easy way to filter through all the offers people put on here?

Mostly from the Grabbit Board - but you have to check daily - or a few times a day!

There is also a useful page on Facebook - called 10 Ways to Save Money as a Student.

Got a £47 duvet for £4.99 - car wash mitts down from £6 to £1, lots of free stuff with Body Shop and half price offers.

When H&M were having sales and glitches got loads of bags and fleecy blankets etc etc.

Also got two talking huskies from Clintons after Christmas last year - think they were £20 each and I got two for £10.

From now on I am keeping a list of what I get and what the full price would have been - so I can see what bargains I have had.

One year, thanks to a tip on the Grabbit board I had piles of Lands End long stripy scarves - should have been £32 each but was getting them for under £2 each - that is what loads of people had that year!

7roland8

Its best to keep an eye on what you think will interest you - like Amazon or something - or toys and books.