📨 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!

1246247249251252277

Comments

  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Shredding went well @Sun_Addict and @milann👍  I should sort out the rest of my paperwork but have no inclination to do so at the moment. 

    Weather is absolutely abysmal today - It's not stopped teeming with rain since I got up this morning so no inclination to go outside either!

    Feeling a bit blah today - It's like I'm on autopilot when working and the negative Covid news that more areas in the UK are moving into tighter tiers aren't helping my mood. I can't really see an end to it - as a few people have commented, it's like kicking a tin can down the road. 

    No MSE news to report apart from my monthly Ocado delivery arrived last night.  Now that they are delivering for M&S I bought a few of the M&S plant based ready meals for when I don't feel like cooking so the freezer is rather full now. 

    Right - back to work now - see if I can fire up some enthusiasm!

    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: 24,099 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Weather has been dull and damp here too, quite depressing, added to that the no sign of an end to Covid 😩👎
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Bubblesmum
    Bubblesmum Posts: 1,778 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Waving madly as been AWOL, great to catch up

    Despite all the cancellations around COVID it’s good to hear you are managing to see friends and a few treats - oooh pedicure ! 
    I love a certain well known ice cream parlour on your seafront .... hope it’s doing ok, and tell them I look forward to the day I can have a trip there and to the cockle shed! 


    As a dear MSE friend says “keep plodding” or
    What does the saying say.... When life hands you lemons, make lemonade
    Or as my Mum would say, brush yourself down, tomorrow is another day or
    Fake it, to you Make It

    Please say hello my new diary: https://forums.moneysavingexpert.com/discussion/6578460/still-dancing-to-blow-the-debt-clouds-away
  • milann
    milann Posts: 11,410 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I envy your seafront - I would love a walk by the sea. Jealous here.
    Hope you managed to get some oomph to get your work done and are feeling brighter today.
    January spends - £587.58
  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    edited 23 October 2020 at 5:29PM
    Thanks @Sun_Addict, @Bubblesmum and @milann. 😀
    Bubblesmum - the ice cream parlour is still going strong - I understand it has done very well  in the summer when we came out of main lockdown. I haven't been down there this year as the main seafront has been too crowded. The cockle sheds though are quite near to me - the cockle shed cafe has been well frequented  too!  Walking on the front in good weather has been a godsend in these lockdown times. 

    Well - what a day today weather wise. I went out lunchtime to meet my friend for a coffee - her turn. We were sitting outside the cafe with our 😎 on commenting how warm it was. I then picked up some birthday cards and vitamins - wow when I came out of the card shop it was like a monsoon out there!☔️. I got absolutely drowned on the way home - I hadn't bothered with my brolly and was wearing a very light jacket. I was so wet walking home that a lady working in one of the shops and who was standing in the doorway watching the flood asked me if I wanted to come in and dry off!  When I got home I had to change all my clothes and could wring out my jacket and top!  Another lesson - wear waterproof mascara!  I looked like a panda!🐼. Full marks though to the Maybelline lip crayon which stayed on through the coffees and deluge!👍

    And it's Friday night - hooray!  No work for two days!😀

    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • beanielou
    beanielou Posts: 95,673 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Sounds like you got fair drookit.
    Glad that you got dried off  :) 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.
  • doingitanyway
    doingitanyway Posts: 10,008 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Mortgage-free Glee!
    Sorry you got drenched. Hurrah for Maybelline!
    I was reading warm coats are going to be big sellers as everyone will be sitting outside to drink coffees and socialise.
    Hope you are having a lovely weekend :)
    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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 24 October 2020 at 2:28PM
    I was reading warm coats are going to be big sellers as everyone will be sitting outside to drink coffees and socialise.
    Hope you are having a lovely weekend :)
    Yes I bet warm coats will be selling well along with scarves, hats and gloves. Patio heaters and gazebos could do well too :).

    Wow the weather certainly is changeable at the moment SSG! I'm glad you enjoyed coffee with your friend though.
    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
  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    I love 'drookit' @beanielou!😀. I assume it's a Scottish word for getting drenched!  I will use when I next go up to Scotland to visit DD - it's always raining where she is!🤣. I probably won't pronounce it properly though!
    @doingitanyway and @HairyHandofDartmoor - yep - lots of warm clothes will be selling this winter - I must say I don't really need to buy anything new in this line so at least will save some cash. 

    END OF SCRIMPY MONTH 10
    Which was today though I got paid yesterday. Have updated all my YNAB pots - I got my special work bonus and have put most of this into my workplace pension - the rest has been allocated to my Ad Hoc Savings.  
    Looking at the monthly scores on the door - pension, Stocks and Shares ISA and gold down slightly (though the gold is up 13.7% since I bought it last September). Property was up though. 

    I did hit the M&S website today - I ordered some of their light grey cable knitted boot slippers as my size is available now - I did order some booties from Amazon not so long ago but they've not worn well and are quite baggy now. I've had the M&S booties before and they wear really well - even when you put them in the washing machine.   I also ordered a new bra and panties plus a little hoodie for a friend's little boy as it's his birthday soon. I did have £35 in M&S credit card vouchers plus a Premier Club voucher for extra points. Together with the 20% Sparks discount on women's shoes the final cost wasn't too bad!👍

    Weather was weird again today - sunny this morning then turned gloomy with strong winds. Then ended teeming with rain again late afternoon and it's belting against the window as I write. 

    I popped out earlier for a walk and a mooch - I bought DSIs's OH a washable mask stocking filler in a design that I think will be appreciated - £4.99 and the first Xmas present I have bought this year. But I got home in good time and didn't get drenched! 

    I did the housework this morning and had another lazy Saturday as the weather wasn't good. Ended up watching Hitchcock's 'Vertigo' as it's one of my favourites of his.   Going to watch Rebecca on Netflix now. 


    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • milann
    milann Posts: 11,410 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Hope Rebecca met your expectations SSG
    It sounds as if you got really drenched....pleased you kept dry today.
    The M&S shopping sounded like a bargain with the vouchers you used 👍
    Enjoy the rest of your weekend.
    January spends - £587.58
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
  • 351.3K Banking & Borrowing
  • 253.2K Reduce Debt & Boost Income
  • 453.7K Spending & Discounts
  • 244.2K Work, Benefits & Business
  • 599.4K Mortgages, Homes & Bills
  • 177.1K Life & Family
  • 257.7K 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.