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

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  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 22 March 2020 at 4:52PM
    Happy Mother's Day SSG 🌷.

    I'm glad you've found food items. You're right about the food budget going awol and just buying things when you see them. But needs must. 

    I've got flights booked to Inverness to visit my sister at the end of July but I'm wondering whether we'll be able to go. It depends upon how bad things get, only time will tell. 
    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
  • HappyNow
    HappyNow Posts: 1,558 Forumite
    Part of the Furniture 1,000 Posts I've been Money Tipped! Name Dropper
    I've just spent a lovely 10 minutes catching up on your diary SSG, the holiday sounds FAB! 
    For the last ten years I've worked 50% office, 50% from home and loved that balance. Like a lot of people it's gone to 100% homeworking now. There are lots of advantages (no travelling time, no make up etc) but I'll miss that office vibe. Looks like it could go on some time too.
    LBM Dec 2011. Aimed, but failed, to clear all unsecured debt by Feb 2019. Finally free of unsecured debt 21st May 21!

    Debt Dec 11: Unsecured £69,579 + Mortgage £59,948 = £129,527
    Debt May 21: Unsecured ZERO! ZILCH! Mortgage £22,332
  • Seasidegal58
    Seasidegal58 Posts: 6,032 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi @HairyHandofDartmoor   I've had an email this afternoon from easyJet re our Inverness flights at end May. They're offering to let us change the flights without charge to another day up until February 2021. That's not really helpful as we don't know when we would be travelling up there again - I could be going in the New Year if things get back to normal, but  DSis and family probably wouldn't go until next spring!  I'm going to have to have a further look at the email and the terms and conditions.  

    Hi @HappyNow  I spent my first day today working from home. It went quite well. I used my ironing board desk and everything fitted quite nicely on it. I started at 8.30am in the end and knocked off at 5pm.  All the applications I was using went well apart from a couple of very minor glitches where I've raised tickets with our IT department. I was actually very busy!  It's coming up to the end of the quarter and there's always extra to do. We're all staying in touch via the WhatsApp group, phone and email. I asked my boss if I could have an early lunch at 11.30 to pop out to get a couple of bits and had a couple of coffee breaks too. I quite like this working from home lark!😀

    Other cancellations have been DSis and my tickets to see Pretty Woman at end April. They're cancelling the show for now and have refunded DSis's money. She's also waiting to hear from the Festival Hall as we have tickets booked for a Judy Garland tribute around the same time. I've also booked tickets for her and me to see Joseph and the Technicolour Dreamcoat in mid-summer so will have to wait and see re. this. 

    Plus I've had texts from my nail girl who can't work from the salon as they're closing and she doesn't want to risk contaminating her clients by going mobile. The hairdresser texted too as they're shutting up shop in the City. 

    I popped out to get some bits this morning. I was thinking that now I'm working from home I'll probably need more things like Oatly milk and coffee, dishwashing tablets etc. I went out and bought a very large pack of PersiL, large pack of dishwashing tablets, two large bottles of fizzy water, some marigolds, microfibre cloths, bread, tomatoes and broccoli - all sourced from our little Co-op, Tesco and greengrocer!  I couldn't get dishwashing salt or Oatly milk so I'll try tomorrow at Waitrose. 

    Our local little high street was very quiet - not many about - everyone keeping distance - most shops shut - banks, small supermarkets and greengrocer open - some cafes offering take away service. Everything else closed. 😞

    SCRIMPY MSE BLAH

    ive been looking at my budget categories. I think I can safely say I won't be raiding the coffees/eating out budget for the foreseeable future, but I'll be hitting the ITunes/Books/Kindle budget more than usual!😁. I actually watched an excellent film yesterday - the latest Helen Mirren - The Good Liar. It was excellent - highly recommended (£4.99 on ITunes)

    Hope everyone has had a good day. Stay safe. 
    X





    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: 24,133 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Welcome to the working from home club or WFH to us regulars 😂 The novelty does wear off after a while, especially when you’re not sure what day it is when you get up in the morning.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 95,754 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Stay safe too  :) x
    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.
  • Seasidegal58
    Seasidegal58 Posts: 6,032 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    So just heard the new Government directives. Will be changing my grocery shopping habits to shopping twice weekly. Also one early morning fast walk for exercise. 
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • brizzlegirl
    brizzlegirl Posts: 1,260 Forumite
    Fifth Anniversary 1,000 Posts Name Dropper
    Glad WFH has its upsides and is working well...stay safe SSG xx
  • Seasidegal58
    Seasidegal58 Posts: 6,032 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Thanks so much @brizzle. You take care too!👍

    Just a very quick post (I'm working from home on my coffee break at the mo!). I've not posted the last couple of days because frankly I seem to run out of time!  I'm sleeping like a log for some weird reason and the morning walk never got started. My day pans out as get up, shower, make breakfast, log on work laptop and start working day which is really busy, plus applications aren't as fast as working from the office. I have a walk during my lunch hour then back on laptop. Knock off at five, prepare dinner and quick tidy around flat. Then my evenings have literally been taken up with talking to friends and family - catching up with everyone's news including those I haven't spoken to for a while. Then watch news and some TV - I find then I'm really tired and go to bed!  I was speaking to another WFH forumite the other day and she agreed that she is really tired when she knocks off work. 

    So will make a concerted effort to type a longer post tonight and catch up on diary news!

    Now back to fire up the laptop!😀
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • I'm glad you're so busy SSG and have a good routine going :).

    Maybe working from home suits you. Do you think your office could make it permanent once this nightmare is over? Would you want it to be permanent?

    Where do you go for your walks and do you meet many other people when you're out and about? I would have thought lunchtime would be a popular time for walking.
    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
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