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

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Comments

  • milann wrote: »
    I’m pleased the head asked you. How long will you be covering the 2 days for? What year is it with?
    Have a lovely weekend in the sunshine.

    Thanks Milann :). Once the TA has her op she'll be off for eight weeks I was told, so that should be sixteen days cover that I'll get paid for in total :money: :T. It's with year one. There's a couple of challenging personalities in the boy heavy class, plus one autistic child. So it should be good experience for me :).
    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
  • Yay,I'm so glad you were offered the cover,that will come in handy for Xmas xx
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • Hi Hairy.

    Just caught up. I know Heads often forget that they haven't had a conversation and can sometimes get so caught up they don't get round to doing the things they should. Glad that it has now been agreed. Congratulations xx

    Recognising we aren't on the ball is the first step to getting back on it. I am sure you will be on it soon. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Good to get the extra hours confirmed. It also sounds like you’ll get lots to reference in your level three assignments
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • Glad the head finally talked to you, so pleased about the extra hours. Hope you have had a good Saturday .
    Life is an adventure, never stop exploring.

  • Yay,I'm so glad you were offered the cover,that will come in handy for Xmas xx

    Thanks OBL :). Yes the money will come in useful :).
    Nicnak wrote: »
    Hi Hairy.

    Just caught up. I know Heads often forget that they haven't had a conversation and can sometimes get so caught up they don't get round to doing the things they should. Glad that it has now been agreed. Congratulations xx

    Recognising we aren't on the ball is the first step to getting back on it. I am sure you will be on it soon. x

    Thanks Nicnak :). I know the head is a very busy person.
    Good to get the extra hours confirmed. It also sounds like you’ll get lots to reference in your level three assignments
    Thanks INOD :). You're right it will be very useful experience that I can use in my assignments :).
    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 21 September 2019 at 9:38PM
    This morning I went into town with DH as I discovered some slight blemishes on the placemats we bought last week :mad: so we decided to return them along with the coasters and get the money back. I also returned the leggings and dress and got £64 back :money:. The money will be useful as we're a bit short at the moment.

    In town I bought some ear drops as I'm fed up with my right ear being constantly blocked and not being able to hear the children properly :(. I also bought two hand creams as they were half price and a new toothbrush. Then I bought some coasters as we'd returned the others and I want to protect our new (to us) coffee tables from rings.

    So a total of £126 was gained by returning items :money:.

    Spends were:
    Coasters £9.75
    2 x hand cream £4.90
    Toothbrush £1.45
    Eardrops £4.99
    Coffees £5.50
    Fruit, etc £6.65
    TOTAL £33.24

    I got £1 off the hand cream with my loyalty card and they will last a long time. We're really pleased with the coasters and love the design so I think that was worth the money. More money was gained than spent today so I'm pleased about that :T.

    With Christmas coming up, car expenses and trip to take DS3 back to uni, we need to be very careful with our spending at the moment. I'm hoping I'll get paid extra for the first aid course but don't know when or how much. I'll be doing the TA cove, but again I don't know how much I will get paid for them or when. Last time I did cover I was paid MTA rate and not TA rate. But I'm still glad to have the extra money. Anyway there will be plenty of expenses to swallow up any extra earnings so we need to be careful with our spending.

    I've been buying a few bits towards Christmas. I've got a tub of chocolates which were half price and four half price chocolate oranges. It will help to spread the cost anyway.

    I hope everyone had had a good Saturday so far :).
    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
  • The head teacher finally asked me officially to do the cover :j:T:j:T:beer:.

    .

    Lovely news - I'm so pleased for you :T:T

    When you do cover like this, do you get paid in the month following ?

    Thank you for asking after me, I'm fine, no DVT, just have to put my legs up properly a couple of times a day !!
  • Lovely news - I'm so pleased for you :T:T

    When you do cover like this, do you get paid in the month following ?

    Thank you for asking after me, I'm fine, no DVT, just have to put my legs up properly a couple of times a day !!

    Thank you Elizabeth :). I'm glad you're healing up well :).

    Yes I normally get paid in the month following the cover.
    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're going to lunch with stepdad and fiance as some other relatives are visiting (their treat luckily). I'm not really looking forward to it but I have to get used to it. After that we're meeting my niece at the pub for a coffee/drink and a catch up which will be more relaxing. So it's going to be a busy day.

    I've managed to iron two pairs of work trousers and a couple of other items this morning and washed my hair.

    Tomorrow is going to be busy as I'm shadowing the TA all day plus doing my lunchtime job :eek:.

    Then I've got Pilates at 5.30pm :eek:. I'm going to be very tired by then but I haven't been for about two months and I haven't seen my friend for ages. So I feel I ought to try and go. Perhaps I'll just be lazy when I'm there and not do many reps :rotfl:. I'm going to be very stiff as I haven't been for so long and I'll be tired after my busy day, but I don't want to give up Pilates.

    I just need more energy from somewhere. Has anyone got an energy tree? :rotfl:

    I'm not looking forward to DS3 going back to uni next week :(. He's been home for three months but that almost makes it worse because I've got used to having him at home and I'll miss him :(. He may go on the coach mid week or travel with DH and I next weekend. I hope he travels with us because then we'll be in a car with him for six hours ;).

    Our weather looks like it's going to be showery for the next two weeks, but we've had some lovely weather up to now so it couldn't last for ever.
    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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