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

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  • My family visited Scotland several times when we lived in Bolton - not so far to go !! Wonderful beaches and loads of farm animals for me to enjoy !

    Small hiatus coming up in me reading and posting.
    I've had my pre-op assessment for a new hip (thanks to a cancellation).
    I waited 3 silent weeks and then phoned them.
    No, I wasn't booked in.
    Estimated time = October (by which time I would need another pre-op as they're only valid for 3 months).
    I 'remonstrated' (!!) and they directed me on to the surgeon's co-ordinator. He suggested 6th September, still ages away but an improvement.

    Tuesday afternoon I got a call - would I like to come in this Friday ? Reeling from the shock of course I agreed. Not even time for the full 5 days of antibiotic cleansing, bedding changes etc. Apparently my graphic representation of my condition meant I was first on the waiting list for a cancellation!! Just shows that persistence works, although really it shouldn't be necessary.

    According to others there seems to be a policy of wasting orthopaedic patients' time with futile treatments, thereby letting them become completely crippled before anything is actually done.
    I can't see that this policy benefits anyone:mad:
    Still, I'll be partially bionic tomorrow.

    Enjoy the rest of your Scottish break, HH. I think you really needed it xx

    Oohh good luck for tomorrow Elizabeth. I'm delighted your operation is finally happening and you'll have a lovely new hip soon :). Well done for persevering :T.
    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
  • Today we went to a place that has craft shops, bookshops, art gallery, cafe, etc which my mum loved visiting. Followed by a river walk and then another evening walk locally.

    A mere 14,881 steps today :).
    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: 96,567 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Still a fantastic number of steps :)
    Glad that you have had a good day :)
    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.
  • Thank you Beanie :).
    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
  • doingitanyway
    doingitanyway Posts: 10,314 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Your day sounds lovely. Once again you are handling the situation with your stepfather so well. Take care.
    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 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Thank you DIA :). I've written out an engagement congratulations card to post tomorrow.
    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
  • doingitanyway
    doingitanyway Posts: 10,314 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Thank you DIA :). I've written out an engagement congratulations card to post tomorrow.
    Well done HH. It can't be easy ((hugs))
    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 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Well done HH. It can't be easy ((hugs))

    Thank you DIA :). It's not easy and I do feel very strange about it.
    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
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Morning HHD :) I don't think sending the engagement card is hypocritical, I think it's a really kind thing to do. No matter how you're really feeling he was in your life a long time and I'm sure you want him to be happy. Your acceptance of the situation, in his eyes at least, must be a big relief for him.

    Somebody has said about it being a different kind of love that he would have had for your Mum and it's true. At this stage of his life I'm sure it will be more about companionship.

    You're a lovely lady HHD, handling all this with so much dignity when you're still grieving for your Mum. I can imagine how this could tear some families apart but the fact you're not allowing that to happen speaks volumes about you. xx
  • teafor2 wrote: »
    Morning HHD :) I don't think sending the engagement card is hypocritical, I think it's a really kind thing to do. No matter how you're really feeling he was in your life a long time and I'm sure you want him to be happy. Your acceptance of the situation, in his eyes at least, must be a big relief for him.

    Somebody has said about it being a different kind of love that he would have had for your Mum and it's true. At this stage of his life I'm sure it will be more about companionship.

    You're a lovely lady HHD, handling all this with so much dignity when you're still grieving for your Mum. I can imagine how this could tear some families apart but the fact you're not allowing that to happen speaks volumes about you. xx

    Thank you TF2 :). That's a lovely thing to say. Despite everything I am fond of him. And despite everything I still think my Mum would want me to keep on good terms with him and for us to be part of each other's lives, because she loved him.
    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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