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Paid off the £31,000! BUT - still scrimping!
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We had a similar letter from Lloyds. We also had a generic form to fill in and it took me ages to work out it was from N3xt as it was buried in the small print :mad:.
Have a good weekend SSG.
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 -
It's annoying Hairy - you'd think they'd at least put their name on the letter!:mad: I got another text last night - this time from the Halifax who confirmed they're looking into my CC claim.
SCRIMPY WEEK 3 - FEBRUARY
I've got £90 in the Ad Hoc Spend pot for this week. It's going to be a quiet week though - nothing planned except nails. My friend and I aren't at the cinema tomorrow as she's out with her family.
I've been stalking some black leather knee high boots on Marisota's website for the last week. I always try to get a pair towards the end of winter to put away for next - but always in the sale. The pair I like was £85 but they've finally come down to £51 - I had a 10% discount code with free delivery so I've ordered them - £45.90 - so a result!:j
The cost is from the Clothes pot. Other things bought today from the various pots were fruit and veg, bacon and sausages, cards and some gift bags, and stuff for the food bank.
The only Ad Hoc spend today was £3 for a square plastic storage box from the Factory Shop. It's just the right size to go under my kitchen sink and hold all my laundry products. I'll be storing them here in my best Marie Kondo fashion as it'll be much easier to pull the box out and get to the products. :j
I had some really good news as well in that my friend's throat cancer operation went really well yesterday and she's comfortable. Hopefully I'll hear an update tomorrow. :j
I also finished giving the living room a thorough going over this afternoon and got through some of the ironing. Relaxing tonight with my feet up in front of the TV!Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
All sounding good SSG
I love my storage boxes. I like everything in order.
Fingers crossed all is ok for your friend and the throat cancer gets beaten into submission.
Enjoy your eveningI get knocked down but I get up again (Chumbawamba, Tubthumping)1 -
Good news for your friend. It’ll give her hope to tackle the next hurdleMortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.0
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Good news on your friend SSG hope you have had an update . At least you are getting some replies from the PPI claims , at least we have tried.
Thought of you today in Aldi I bought some quinoa bites . At least I think it was you who said you had tried them.
Love your cleaning regime update, hope you got it all done.This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com0 -
Thank you all for asking about my friend. I've had more news today. She's out of intensive care and has been moved Ito what sounds like an observation room. She has had the tumour removed and also had to have a graft from skin taken from her arm in order to use for a tube in her throat. So quite an horrendous op but were all hoping all will be well. She will be in hospital for the next three weeks. My other friend is going to visit tomorrow so will update me. I hope to get over to see her at some stage but the hospital is some miles away and not on my train line so hopefully I can get there if one of my friends are driving over.
Cumbria - yes it was me that biught the quinoa bites! - I hope you like them. I bought the red Thai curry pea bites in Aldi today for a change, but they're not as nice as the quinoa ones.
After Aldi this morning I got going on the bedroom.
Took down the muslins and washed them and cleaned the windows. Thoroughly vacuumed (including under the bed!) and cleaned the light and lamps. Washed the skirting boards, door and furniture. Also checked the drawers but nothing to sort here. And put the mattress and pillow covers in the wash for this week.
After all this I went and had a shower!
End of the week now and back to work tomorrow.. But at least no Ad Hoc Spends!:)
Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
So pleased things are going in the right direction for your friend. Worrying times.January spends - £587.580
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Thanks milann. Early days yet but we're all rooting for her.Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
Hi SSG
Just caught up - you have been so productive. Well done on the weight loss. I read Michael M’s book but don’t think I could do the low calorie days but he is really interesting.0 -
Hi Muchin :wave:
The two fast days go pretty quickly as I plan them for a working day and I always try and space them out so I eat "normally" the following day. The danger time on the fast day is when I get home from work as I have a bad tendency to snack whilst watching the TV. I've been chewing on a carrot if I feel I'm about to fall into the abyss...................!:DFinally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0
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