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Spent 4 years pretending it's all OK
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Thanks Brizzle
Another couple of days of plodding on. Started trying to catch up with budget, have added loads of receipts to spreadsheet to try and work out how much overspend there has been
Having had a good couple of years of SE its gone a bit quiet now, so just need to be careful, or extra careful I should say - haven't exactly been living the high life:o. Need to check what the tax bill balance is for July and see where we are. I have three more busy week at school job still so that's something extra going into bank.
£312 for car service and advisory repairs yesterday, after MOT last month, which was 400+and DD's car MOT also due in July so plenty more essential spends to come. DH also spent £40 on a sharpener for chainsaw, as it cost £15 each time to get it sharpened.
Pulled out the vax carpet cleaner, need to check it still works as hasn't been used for 3 years - lounge carpet in dire need (used to do it every year but haven't had the time or inclination or energy to do it in h last three years). Thought that perhaps if I get it up and running can get DS and DH to do short stints over a couple of weeks. too heavy for me old shoulder joints nowadays:(
Enjoying some quiet moments in garden whenever I can, even if a few minutes between chores and work. Was out for a few minutes yesterday even, and was lucky enough to see the barn owl we have heard a few times, in the field at the bottom of the garden, hunting. It was amazing - so graceful, catching the evening sunlight, feathers almost glowing. Made my day
Have a lovely day
NOA
xFeb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
Wombling Free Cash May2016 £510 -
:j:j:j:j:j:j:j:j
DS just passed his driving test :T:T:T:):):)Feb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
Wombling Free Cash May2016 £510 -
I was also pretending it's ok for last 5 years. I had some dark moments and nearly destroyed my relationship. This forum gave me some encouragement to fight back. Wish you all debt free future.0
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congratulations to your DS :T:T:TMortgage restart June 2018 £119950Re mortgage August 19 £110470, … Mortgage November 22 £85600 final 0% CC 3300Home renovations - £65000, mid 2018 - mid 20220
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I was also pretending it's ok for last 5 years. I had some dark moments and nearly destroyed my relationship. This forum gave me some encouragement to fight back. Wish you all debt free future.
Hi LukasD,
Thank you for posting. Sorry that you have been through some hard times too. The people here are amazing and like you found great strength and support to keep going. Hope that you can see light at the end of your tunnel too. Keep posting
NOA
xFeb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
Wombling Free Cash May2016 £510 -
Moneyfordreams wrote: »congratulations to your DS :T:T:T
Thank You Moneyfordreamsit has been a good day
Abandoned DS to his revising and went to celebrate with my garden centre friend with a huge slice of orange and lemon cake. Came home and cooked dinner with ds's pudding of choice -hot chocolate fudge cake with icecream. Then DH turned up with cranberry and white choc cookies - also to celebrate, so had to have one of those too.:D
Definitely will not enter today's calories into the equation!
NOA
xFeb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
Wombling Free Cash May2016 £510 -
Well done to your DS! And great you had cake to celebrate
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The barn owl... how lovely. That image will probably stay with you for a long time.I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/220 -
Hi NOA I'm reading your diary from the beginning but have only got to page 26, so I wanted to pop in and say hi
:hello:
Finally Debt Free After 34 Years, But Still Need to Live Frugally
Debt in July 2017 = £58,766 😱 DEBT FREE 31 OCTOBER 2017 :T 🎉
EMERGENCY FUND 1 = £50/£5,000. EMERGENCY FUND 2 = £10/£5,000.
CHRISTMAS SAVINGS = £0/£500. SEF = £1,400/£12,000 PREMIUM BONDS ME = £350. PREMIUM BONDS DH = £300.
HOLIDAY MONEY = £0 TIME LEFT TO PAY OFF MORTGAGE = 5 YEARS 1 MONTHS0 -
Cherryfudge wrote: »Well done to your DS! And great you had cake to celebrate
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The barn owl... how lovely. That image will probably stay with you for a long time.
Hello CherryThank you x
Yes it will , really quite magicalthey are such beautiful creatures. We have a reasonably local Raptor charity, when the kids were little I used to take them very regularly to my favourite garden centre /cake place, every weekend the charity would be there with a few of the rescued birds. it was in the days before smartphones became appendages....:rotfl:
NOA
xFeb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
Wombling Free Cash May2016 £510 -
HairyHandofDartmoor wrote: »Hi NOA I'm reading your diary from the beginning but have only got to page 26, so I wanted to pop in and say hi
:hello:
Hello HairyHoDLovely to see you, I have seen your name in other diaries - Welcome and sincere apologies in advance for a lot of the waffle you'll read - I use it to offload
. I did read your first few pages a few months ago but have been a bit haphazard over the past few months in my appearances online
. I'll be forever grateful for finding this forum and like you SC too who put me on the right road. We have a long way to go yet....
NOA
xFeb2014 Total unsecured debt £72,520>>01/06/16 £68166>01/02/17 £66,600=8.18%PAID
Mortgage Jan14=209,800 Jan15=£200,300 Jan17£180,700>OCT17 £170,200
Health/Fitness Challenges Priority#1 Stay Fit and healthy - whatever it takes:)
Wombling Free Cash May2016 £510
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