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

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  • Seasidegal58
    Seasidegal58 Posts: 6,025 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Thanks MO4K – weather perked up a bit at lunchtime and the sun came out – but it's back to cloudy and windy now – at least it's not raining!

    Hi – moving_forward – it's all a bit of a muchness really I suppose with the refund.  I want to fund as much as I can into the pension for the next few months till retirement so the refund is a bit of a bonus, though I'm still paying it back in monthly instalments to my firm (till September I think) as I took out an interest free loan to fund the season ticket.  Amex said it would take up to 10 working days to hit my bank account.  The boiler costs will come from the EF as it is well funded – I can then put the money back into it - perhaps in monthly instalments if the cost of a replacement boiler turns out exorbitant.

    Well my plumber came today – he had a good look at the boiler and the consensus is to replace as it is very old – it was there when I moved in nearly twenty years ago – and was probably fitted when the flats were built!  He is going to get back to me with a price.  The leak is quite small but will only get worse if left.

    Apart from that I haven't been out at all – just working.  My slippers arrived and are comfortable, warm and much smarter.  Masks aren't arriving till Saturday at the earliest.

    Quite pleased that my herb pots on the kitchen windowsill are coming on well.  I'm not that green-fingered, but a couple of weeks ago I bought a few of the little herb pots in Waitrose that are sold in the veg aisle.  I have basil, coriander, flat parsley and chili pots and all are thriving.  Feel quite chuffed when I chop up my home-grown herbs! :)

    I've also been notified about my 'Joseph and the Technicolour Dreamcoat' tickets that I bought for DSis's Christmas present.  We were due to see it next month but obviously it's been cancelled.  I was offered seats for next year or a refund.  I spoke to DSis to see what she wanted to do and she said get the refund as she's not sure how she will be placed for holidays next year and we can always rebook in the New Year.  So I've put the refund through.

    Looking at the wall calendar for June, it's very bare.  All I have on there are friends' birthdays/anniversary and my nail appointments that I write on at the beginning of the year as I my slot is the same time every fortnight!    Very odd to look at it as there's usually quite a bit more on it! :(

    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
    edited 11 June 2020 at 6:07PM
    I know its crazy how empty the weeks are now none of us have a social life! Cheaper though!! 

    Just catching up, been a bonkers few weeks at work but finally catching my breath as of about 2 hours ago..so thought I'd pop on here :)

    You're sounding like you're doing well, and glad you're enjoying working at home. I really think that most of my beetling around the country days are pretty much over, think I will be out and about 1-2 days week max even if they found a universal vaccine this evening and they lifted the restrictions tomorrow 

    Enjoy your evening 
  • milann
    milann Posts: 11,410 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I hope you get to work from home. It must save you a fortune in travelling. 11 months will fly by and you’ll have finished before you know it....I’m down to 5 years away now. I really can’t wait - I feel as if I’m wishing my life away🙄
    I suppose if a boiler needs replacing it’s better for it to happen over the summer rather than in the depth of winter. I hope it’s not too expensive but will probably be much more efficient.
    Hooray for comfy slippers and cutting fresh herbs. Your bamboo bedding sounds very interesting- I’ve never heard of that.
    January spends - £587.58
  • beanielou
    beanielou Posts: 95,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good to save time & money on travel to work.
    Glad that your refunds are coming in  :)
    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.
  • Sun_Addict
    Sun_Addict Posts: 24,115 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I’m also saving money by not physically going to work, no browsing round the shops in town during my lunch break or on my way home. Missing seeing my friends for drinks/lunch though plus my occasional shopping trips just to get a breather from Mr SA. Oh and my holidays - basically everything that kept me sane. 

    Good that you have the funds for a new boiler. I had a new one 3 years ago and it’s so much better.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Mumoffourkids
    Mumoffourkids Posts: 1,071 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Bad news that you need a new boiler but good news on having the money in your EF. Also good news on the refund for tickets coming in.
    Hopefully you can carry on working from home until you retire. And fab news on the herbs. I love growing things but don’t have a kitchen windowsill to put herbs on.
  • Seasidegal58
    Seasidegal58 Posts: 6,025 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Thank you for your posts everyone!😀
    I feel like I'm wishing my life away as well milann. Mind you this year has hardly been the norm this year so far and I'll be glad when it's over without even bringing retirement into the equation!☹️
    Could you start your herbs off from pots in the garden MO4K?  I used some of my coriander and chilis this evening in my potato and chickpea dahl.!😋
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • moving_forward
    moving_forward Posts: 1,537 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Sending good vibes for a cheap efficient boiler 😘
    Dedicated Debt Free Wanabee 🤓
    Proud member of the Tilly Tidies since 1st Jan 2022
    2022 -Jan £26.52, Feb £27.40, Mar £156.27, Apr £TBC
  • Mumoffourkids
    Mumoffourkids Posts: 1,071 Forumite
    Tenth Anniversary 1,000 Posts Name Dropper Combo Breaker
    Thank you for your posts everyone!😀
    I feel like I'm wishing my life away as well milann. Mind you this year has hardly been the norm this year so far and I'll be glad when it's over without even bringing retirement into the equation!☹️
    Could you start your herbs off from pots in the garden MO4K?  I used some of my coriander and chilis this evening in my potato and chickpea dahl.!😋
    I could or I could grow them in my new caravan! I do have chives and mint in the garden already. So I could put them in a couple of pots and then get some parsley and basil.
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