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

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  • milann
    milann Posts: 11,409 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Yes it’s going to be a very different Christmas. What are the rulings on little ones seeing the man in the big red coat and beard......mine would have been really upset if they didn’t get to tell him what they wanted for Christmas. Don’t think it’ll be happening this year and children will have to rely on Christmas letters and magic I suppose.
    January spends - £587.58
  • I'm sad about missing all the NT Christmas food and craft fayres, but we'll have to find a different way to feel Christmassy. DH and I were wondering whether to get some garden lights to cheer us up.
    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
    Thanks @Sun_Addict@DayDreamerandGeneralWaster@Sunshine_girl2 and @milann - not sure what is happening with visiting Santa Claus this year - maybe a socially distanced Santa will be making an appearance in various department stores or permitted outdoor venues, but it certainly won't be the same for children this year. ☹️

    Rather a muted Guy Fawkes this year in Seasideville - I could hear fireworks going off that evening and also last night, but nothing like previous years due to the lockdown and they all seemed to finish quite early so I think families had just bought a few for their children so they wouldn't miss out.  The animals must have been quite pleased though!

    My monthly Ocado delivery came last night - and nothing was missing or replaced. 👍

    I received £17 in M&S vouchers yesterday, plus some reward vouchers for extra points.  I'm not sure what to do about carrying on with the Premium Club. I received quite a few free M&S coffee vouchers but I'm not visiting the actual stores like I used to now that I'm WFH and I rarely go into our local town for shopping which has the nearest M&S to me.  So I'll have a think and decide whether it's worth the £10 per month. I still get loyalty cash vouchers and reward vouchers through my M&S credit card. 

    Other MSE things - my two year electricity fix with Ovo is coming to an end shortly. I'm going with Octopus on their one year fix as it will be cheaper, plus I like what I've heard about the company and it has an excellent customer service rating - which is always important to me. I've switched through the MSE Energy Club so will get £12.50 cashback in due course. 

    Lazy day today - I've done my small amount of ironing so will be catching up with diaries this afternoon and my reading. Tonight it's pasta with roasted cherry tomatoes for dinner, watching the Strictly results and catching up with TV I've recorded. 👍👍
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic

    Just seen your post @HairyHandofDartmoor - I think garden lights would be an excellent way to buck up the Christmas cheery feeling.  I love looking at some of the front gardens in our area at Christmas time and the trees that are draped with twinkly lights!🤩
    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: 24,090 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I have fairy lights up all year round both inside and outside. I’m also thinking about cancelling the Premium Club as I’ve still got coffee vouchers left from the last lot with no prospects of using them. Will also be watching the Strictly results 😁
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 95,659 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I want fairy light  :)
    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.
  • Funnily enough l said to DH today to go and get them out the loft and can we get some for the garden earlier today!
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