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Finally Debt Free After 34 Years, But Still Need to Live Frugally

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Comments

  • milann wrote: »
    Thunderstorms and heavy rain hear too - must have been fairly close to us as there were some violent bangs with lightning straight after. Everywhere smells lovely and fresh now though.
    Lol my dh thinks it’s a day out of I go on a school trip and can’t quite get what hard work it can be. My best memory was on a train I was 1:1 with a year 6 child with severe adhd quite a few years ago - so there was never a still or dull moment. Child wanted to go to the loo for umpteenth time - I said no because we were in a station and you can’t flush the loo as everything empties on the track.. :rotfl::rotfl: child spent the rest of the journey with nose against the window looking for poop on the track.....claimed to have spotted LOADS :rotfl:

    :rotfl: :rotfl: :rotfl:
    jwil wrote: »
    School trip sounds fab. Hope your foot is better today.

    We don't break up til 24th here.

    Thanks Jwil :). My foot was fine today.
    Sun_Addict wrote: »
    Hey you beat me on steps yesterday as I was working from home and didn't have the 7,000 steps each way to and from work :)

    Fingers crossed you'll soon be in a TA job and getting more hours and money :)

    Thanks SA :). It's unusual for my to beat you on steps :rotfl:.
    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
  • I had a good morning at school today, I feel like I'm bonding well with everyone at the moment :).

    When I got home I finished my penultimate assignment and emailed it to my tutor, so I've only got one tutorial and one assignment to go now :A.

    I'm going to start my final assignment before the last tutorial because I've got two weeks with nothing course related to do now. I can use the text book, plus my own experience and ideas to do the assignment. Then I can always add to it if anything really useful is said in the tutorial. That way I can email my final assignment to my tutor by the end of July and I'll have finished the course then :D.

    I feel quite tired now after a busy week so I'm going to enjoy relaxing over the weekend I think.

    I hope everyone is having a good Friday :).
    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
  • Willowtree222
    Willowtree222 Posts: 8,290 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Wow, how fast has that gone? Only one more.

    Glad things are good. Thinking of you xx
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • beanielou wrote: »
    Hope your day has gone well :)
    Nicnak wrote: »
    Wow, how fast has that gone? Only one more.

    Glad things are good. Thinking of you xx

    Thanks both of you :).
    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
  • I was a bit restless last night in bed, I'm not sure why, I just felt a bit tense for some reason.

    Stepdad wanted to meet for coffe this morning so that went okay. We chatted for about an hour and a half.

    Then I bought two pairs of trousers to wear around the house :o. Does that sound insane? I don't like to wear my nice clothes around the house as they get dirty and screwed up plus will wear out more quickly, so I usually wear old baggy jeans, but they're making me feel too hot in this weather. So I bought a couple of pairs of cotton trousers in the sale for just wearing at home. They cost £11 and £14 so were quite cheap. I felt guilty at spending more money on clothes :o but my jeans have been making me feel unbearably hot and I don't want to ruin my good quality chinos.

    Am I the only person who does this?

    I spent about a tenner in Mr T after this on fruit and veg as we don't seem to have much in the house. I'm feeling like our food spending is out of control at the moment as we spent £94 on Tuesday :eek: and I still had to buy more fruit and veg :(. Since DS3 got home our food spend has shot up :).

    I got home mid afternoon and went through two cardbox boxes in the toy void. I managed to get rid of most on one box to the bin or charity pile. The second box had sentimental stuff like cards, letters, children's school books, etc, which I'd like to keep DH was delighted as I found some old D&D books of his that he thought he'd lost. The sentimental paperwork is now in a plastic box with a lid where it will be better protected.

    I have got rid of a lot of stuff from the voids but I still feel like we have far too much stuff in there :(. Maybe in the summer holiday I'll have time to go through it again and get rid of a few more things. I could ask the DC to look through the stuff I'm keeping for them as they may not want all of it.

    I feel really tired now so I'm sitting down to catch up on diaries whilst DH cooks dinner. I hope he hurries up because I'm starving!

    I hope everyone is having a good Saturday :).
    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
  • beanielou
    beanielou Posts: 96,597 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I also often change into 'house' clothes which for me are my older scruffy clothes as I like to keep my better clothes 'good'.
    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.
  • Sunshine_girl2
    Sunshine_girl2 Posts: 3,137 Forumite
    Sixth Anniversary 1,000 Posts Name Dropper Photogenic
    I never wear my good stuff at home, I will change as well like Beanie said. Well done on more decluttering. I am moving so there will be more decluttering done I am sure.
    Life is an adventure, never stop exploring.

  • teapot2
    teapot2 Posts: 3,576 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Me too, I change into 'old' clothes when I get home from work this is partly because I'm a messy moo with food but also the cat is very long haired and I'm always covered in bits of his fur and also his claws sometimes catch my clothes :o
  • beanielou
    beanielou Posts: 96,597 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    teapot2 wrote: »
    Me too, I change into 'old' clothes when I get home from work this is partly because I'm a messy moo with food but also the cat is very long haired and I'm always covered in bits of his fur and also his claws sometimes catch my clothes :o

    This. Oh this.
    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.
  • earthgirl
    earthgirl Posts: 3,762 Forumite
    Mortgage-free Glee!
    I don't change, but I wear casual clothes to work anyway.
    15/5/12 Paid off Mortgage 1 (£220k) Bought Dream House:www: Dec 13 - Mortage 2 -£116,508. 15/7/18 Mortgage Free Again :j

    Progress not Perfection
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