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Paid off the £31,000! BUT - still scrimping!

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  • I think it's a good idea to go private if you can manage it as eyes are so important!

    I used to go to bed feeling fine and wake up with a backache every morning due to an old saggy mattress. We invested in a Posturepaedic mattress with a latex topping. It''s like sleeping on a cloud and I don't wake up with a backache any more.
    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 MONTHS
  • doingitanyway
    doingitanyway Posts: 9,985 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Wow SSG58 so impressed with all you have achieved with your diet. And now vegan! That caff breakfast sounds gorgeous and something I will copy :)

    I like the sound of almond milk Bailey's. I don't drink milk so I might buy that too!

    You seem very energised and positive. good to read.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • redofromstart
    redofromstart Posts: 5,858 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    We have a gel topped mattress which is superb, he has had a couple of back ops so comfort and support are critical. We had a memory foam one before that which wasn't as good but worked for me pre hot flushes.
  • milann
    milann Posts: 11,408 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Well done on the vegan diet. There is a lot of vegan food available at the moment. A lady at work did it for a while and she had some amazing food, not sure why she stopped doing it. I know she took a range of supplements whilst she was on it as well. I sampled the Vegan Baileys whilst on holiday - I quite liked it.

    The new mattress is a good idea too. If it helps it’ll be worth every penny.
    January spends - £587.58
  • Sun_Addict
    Sun_Addict Posts: 24,083 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    A comfy bed is worth every penny, so money well spent.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Glad to hear that you don’t need to forego the seasonal tipple
    Mortgage 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.
  • Elnora32
    Elnora32 Posts: 172 Forumite
    You've got off to a good start and your meals sound really nice. I didn't know Bailey's had an almond milk version - good to know that you can still have your treat while wrapping your presents.

    I have continued with the foot exercises and I am finding that my feet are much better. I couldn't do the exercise where you picked something up with your toes and saw a slightly different exercise where you just scrunch your toes up so I do that now while I'm watching TV - so much easier.
  • How is it all going with the vegan diet? Hope you are having a lovely Sunday :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 100/1000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • SCRIMPY WEEK 2 – OCTOBER (started on Wednesday)

    £50 Ad Hoc spends again this week. So far non-budgeted spends have been £49 to the private doctor re. referral letter.

    Re. the eye problem l- I saw the private doctor and got a referral to an eye specialist that I used a few years ago. I've booked an appointment to see him at Moorfields.

    One other biggy thing that I must buy (and this will come from the PPI funds) is a new mattress. I've had my present mattress for years and I'm starting to wake up each morning with a lower sore back – even with the mattress topper. So research to be done on this plus the ioniser this weekend.

    OPTIMISTIC OCTOBER (DAYS 1 3)

    · 1,500 cals three days in work week, 500 cals on two and lighten up a bit at weekend, BUT KEEP IT PLANT BASED AS MUCH AS POSSIBLE! – all going well so far (see my previous post)

    - Keep on with the walking and foot stretches, but see if I can incorporate a few back stretches as well – haven't got round to back stretches yet so fail here! Need to start this NOW (see achy back mention above!)
     

    1500 cals in three days hmmmmmmmmmm

    rather you than me x
  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi there all - thanks for posting! I am still alive!!!!!

    I'm going to write a long catch-up post tomorrow lunchtime at work as it's easier on the PC than my iPad.

    I'm rushing off from work to home now, but will get reading and catching up with diaries tonight.

    Hope everyone is ok!

    SSG x
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
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