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Paid off the £31,000! BUT - still scrimping!
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Great news on the PPI at last :TI am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
Sounds like an amazing day at the Palace - I’d love to do that.
Hooray for the PPI - enjoy it.January spends - £587.580 -
Fab news on the PPI payout :j Glad you had a lovely dayI get knocked down but I get up again (Chumbawamba, Tubthumping)0
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Great news on the PPI cheque xEFC #185 - £510.00/£1000
£2.00 Savers #95
50p Savers Club #80 -
Great news on the PPI at last :TSounds like an amazing day at the Palace - I’d love to do that.
Hooray for the PPI - enjoy it.Sun_Addict wrote: »Fab news on the PPI payout :j Glad you had a lovely day
Thanks everyone!
Just remembered that I've got £14.48 to go into Ad Hoc Savings from topcashback when it arrives.
SERIOUS SEPTEMBER - DAYS 4 AND 5
· 1,500 cals three days in work week, 500 cals on two and lighten up a bit at weekend! – went over on both days but it was the weekend!:D
. Walking at least 30 mins per day, plus the leg exercises that Elnora has given me - went for my walks plus some extra when I went to the shops. Managed the stretches and foot exercises! Success!:D
· . Drink six glasses of water per day – All ok here.
· Go to bed at a sensible time during the work week – didn't have to get up early so it didn't matter!
. Eating down from the freezer - used mince from freezer and made chilli. Had this for dinner both nights.Finally 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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SCRIMPY WEEK 3 - SEPTEMBER
After deducting last week's Ad Hoc deficit, I have £28.75 in spends this week.
Budgeted spends today have been two reduced Nivea shower gels, 3 birthday cards, and lunchtime coffee with friend. Tonight I also have my hair appointment.
Tomorrow is nails and off to see 'Downton Abbey' this weekend at the cinema.
PPI Cheque deposited today!:D
I've sent £500 of it over to DSis's account so that she can buy some Premium Bonds for little nephew. If he wins he can take his Aunty out for a slap-up meal!:D
I've also been thinking of other homes for the cash, i.e.
Savings/Investment- I've currently have £250 worth of Premium Bonds, but I'm going to top this up by £2,000.
- I've also been looking into buying some gold via the Royal Mail website - perhaps £500 worth here? They keep it for you so better at the BoE than under my bed!
- I need a new big suitcase for the cruise as I will be packing away some bulky clothes. My current one is on its last legs! John Lewis have some that I like the look of and are quite a bit cheaper than my favourite Samsonite models. I bought DD a JL suitcase last Christmas and she's very pleased with it. Need to look into this.
- And warm outdoor gear is needed for the cruise. Bit of a dilemma as there are quite a few sales on at the moment, but if I buy now, will the clothes be too big by the time I go away if I continue to lose weight? DD reckons you need them a bit loose anyway as you layer up.
- An ioniser for my bedroom. Again need to research this.
- Seriously thinking of upgrading my ipad as my current model is some years old now. I had some problems with it earlier on in the year and got it fixed, but it's beginning to cut out every so often when I'm using it.
Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
Happy pondering!I am a Forum Ambassador and I support the Forum Team on Mortgage Free Wannabe & Local Money Saving Scotland & Disability Money Matters. If you need any help on those boards, do let me know.Please note that Ambassadors are not moderators. Any post you spot in breach of the Forum Rules should be reported via the report button , or by emailing forumteam@moneysavingexpert.com. All views are my own & not the official line of Money Saving Expert.
Lou~ Debt free Wanabe No 55 DF 03/14.**Credit card debt free 30/06/10~** MFW. Finally mortgage free O2/ 2021****
"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. ***Keep plodding*** Out of debt, out of danger. ***Be the difference.***
One debt remaining. Home improvement loan.0 -
I'm glad your PPI cheque has finally arrived
. Your plans for spending it sound very sensible.
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 -
When we did that cruise, we layered what we had and they provided outdoor wear on various excursions too. The one item we both bought was a pair of snowbootsMortgage 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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