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

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Comments

  • Seasidegal58
    Seasidegal58 Posts: 6,137 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    You'll be pleased to see your boys when they get home. Won't be long!:)

    Re leggings - I often wear these with a dress - as I'm tall some tops that are advertised as tunics are still too short so I'll buy a short dress instead and it works very well. I'll wear them with a longer dress too. :)

    On the housework routine - have you ever looked at the flylady website? She's very laid back and I find her routines slot into my life beautifully. :)
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Willowtree222
    Willowtree222 Posts: 8,286 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I should make lists, but I just never do! I have things to do in my last week and really need to write them down, but I know I will forget. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • jwil
    jwil Posts: 22,394 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You are doing amazingly well with the decluttering :T

    Hope you are enjoying seeing the DSs again :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • beanielou
    beanielou Posts: 96,553 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope your DS's are home safe & sound :)
    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.
  • Skinnylatte
    Skinnylatte Posts: 1,244 Forumite
    Part of the Furniture 1,000 Posts Debt-free and Proud! Home Insurance Hacker!
    I love lists too. I also use the Pomodoro technique to get stuff done. Which is essentially just using a timer to break the work down into short intervals. Very simple but it works for me.
    Pay off Car Loan £17,047 £10580 by Christmas 2022

    Mortgage 1 @ 23/03/2019 [STRIKE]£101297[/STRIKE]
    £84457 16.6% DI [STRIKE]£6.95[/STRIKE] £6.15
    Mortgage 2 @ 12/04/2015 [STRIKE]£136121[/STRIKE]
    £100,546 26.1
    % DI [STRIKE]£9.13[/STRIKE] £6.07
    1st LBM 02/06/2013 £[STRIKE]21595[/STRIKE] Debt Free Day 27/03/2015

  • I love lists too !
    When my DDs lived at home, I used to make several pre-Xmas lists, covering cleaning to be done (as we had guests), cooking and presents. These often ran to several foolscap sheets !!! The food ones had a code for where the food was to be stored, and such things as presents and party food were in date order of being required. In fact, I feel I am an absolute list-master, but apart from special occasions I am also an arch procrastinator:rotfl::rotfl:
    But for Xmas I did get everything done with DDs help.

    I am in awe at what you get done, HH !

    Yes, my wound site pain will get better but its impossible to know when, it's one of those 'how long is a piece of string' questions. I am just grateful for any improvement.

    I would be lost without my lists Elizabeth :).
    Nicnak wrote: »
    I should make lists, but I just never do! I have things to do in my last week and really need to write them down, but I know I will forget. x

    My lists do make me a lot more productive Nicnak :).
    I love lists too. I also use the Pomodoro technique to get stuff done. Which is essentially just using a timer to break the work down into short intervals. Very simple but it works for me.

    I've never heard of the Pomodoro tecnique Skinnylatte, I'll look it 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
  • You'll be pleased to see your boys when they get home. Won't be long!:)

    Re leggings - I often wear these with a dress - as I'm tall some tops that are advertised as tunics are still too short so I'll buy a short dress instead and it works very well. I'll wear them with a longer dress too. :)

    On the housework routine - have you ever looked at the flylady website? She's very laid back and I find her routines slot into my life beautifully. :)

    I should check out the flylady website SSG :).
    jwil wrote: »
    You are doing amazingly well with the decluttering :T

    Hope you are enjoying seeing the DSs again :)

    Thanks Jwil :).
    beanielou wrote: »
    Hope your DS's are home safe & sound :)
    Yes they are 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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 26 August 2019 at 9:41PM
    DS2 and DS3 got home on Saturday quite late. It was lovely to have them home again and they had a great time in Poland :).

    Yesterday DH and I did lots of pruning, hacking and tidying up in the garden. It looks a lot tidier now but we were worn out by bedtime! I slept really soundly after that.

    Today we went to a NT place in Cornwall and met aunt and uncle there. It was a very interesting house with nice gardens and the weather was warm and sunny. DS1 came as usual and I was delighted that DS2 came too as he doesn't usually come out with us :D. I feel tired now but had a really good day, you can't beat a family day out :).

    Tomorrow DH has to work :(. I'm going to finish weeding and pruning in the garden, plus I have a lot of laundry and ironing to do as I'm running out of clothes to wear.

    I hope everyone has had a good bank holiday weekend :).
    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: 96,553 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that you had a lovely day today :)
    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.
  • Thanks 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
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