📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

1188189191193194277

Comments

  • Your holiday has soon come around SSG. I hope you manage to ride the horses as that sounds amazing. Hopefully an active holiday will offset any tempting desserts. I tend to eat more desserts and cake when I holiday in Scotland but do so much walking that my weight is unaffected :smiley:.
    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
  • do you think the olaplex makes a difference?
    To be honest inod I don't really think I see an great difference. It certainly makes my hair more shiny but as it is very fine it could really stand more of a thickening treatment . If you have quite thick curly or frizzy hair it would be more beneficial. I wouldn't pay extra for the treatment myself, but as a freebie it's quite acceptable!😁
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Your holiday has soon come around SSG. I hope you manage to ride the horses as that sounds amazing. Hopefully an active holiday will offset any tempting desserts. I tend to eat more desserts and cake when I holiday in Scotland but do so much walking that my weight is unaffected :smiley:.
    Hi Hairy!  I'm afraid I failed the weight restriction for the ride. ☹️  I could really kick myself - it was always going to be a bit touch and go whether I made it but no go. So I've basically lost a memory I could look back on through being useless at willpower. I can't call it anything else.  The tour guide on the ship did check to see if they had any bigger horses but they only have the Icelandic horses which basically are ponies no bigger than 14 hands at the most.  DD is still going so I'll live it vicariously through her!  I'll be on the scenic trip instead. ☹️
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • milann said:
    Hiya👋 Wow your holiday has come around so quickly. We’d hoped for a cruise last year but put it on the back burner for a while until my arm was ok.....knowing our luck I’d end up in the perfect storm or on a ship with some virus on......I’m feeling very pessimistic atm - what will strike next....must give myself a good shake up and pull my positive pants up and start looking for something nice and something to look forward to. I hope you have a great time - get to ride the horse- miss the storm and manage to eat lots of deserts - you’ll have to break them in half so the calories leak out 🧁🍪🍦😂 - if only 🤞👍
    I hope you and your OH manage your cruise - hopefully this year?  I've been reading your diary and you've had a lot to put up with lately so I don't blame you for feeling down. But you always seem to pull yourself back up again spirits wise so chin up!

    I think we've missed being a 'virus' ship owing  to the fact we're quite far away from the maelstrom!  However my cousin and her OH are booked to fly to Singapore  shortly to join a cruise and really don't know what to do. The travel agent has told them that the cruise is still taking place. If they cancel they'll lose £6,000!  What a mess!☹️
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Sun_Addict
    Sun_Addict Posts: 24,138 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you're enjoying your cruise :)
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • milann
    milann Posts: 11,426 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Your cruise sounds amazing - make the most of every moment 👍 is it just yourself and dd. The food sounds delicious too - well done on keeping to the vegan diet 👏👏
    January spends - £587.58
  • beanielou
    beanielou Posts: 95,768 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sounds amazing  :)
    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.
  • Thank you guys. 😁

    It's just me and DD milann. I was originally going on my own but DD decided she would like to go too.  She loves Norway but has only visited in the summer. Her OH is not keen on cruising so he wasn't up for it.  It's lovely too have her here with me and spend some time together.  And she's very knowledgable about getting around in cold, snowy climes so that's another plus too!😁

    Crossed the Arctic Circle early this morning. Have just stopped briefly to load up in a little village with truly spectacular scenery - snowy jagged peaks and and the sun just peeping through the clouds. Setting off soon and will be hitting the next town in a couple of hours. Then I'm off for a tour and DD is going on an Arctic coastal walk. 

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

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.4K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.4K Work, Benefits & Business
  • 599.6K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.9K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.