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

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Comments

  • beanielou wrote: »
    I think that is out of order that they are not paying you for the first aid course.

    It is a bit disappointing Beanie :(.
    I feel your pain HHOD and I doubt a water meter will be any good for you. We are metered and there are just 2 of us and our water bill is £60 a month. Ridiculous.
    Yes it is ridiculous :mad:.
    Nicnak wrote: »
    I wondered the same about your water bill too.

    I was going to ask how Sleeping bunnies went, but wasn't needed today! #x
    I'll have to try it next time it's indoor play :).
    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
  • If you're reading this Scrimpess I hope you got on all right at the hospital 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
  • jwil
    jwil Posts: 22,375 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's because I live in Devon Greenbee. There's a lot of beaches and rivers and not enough towns or cities to pay to keep them clean. So the water bills for each household are ridiculously expensive :mad:. I researched getting a water meter but it worked out about the same because there are five of us in the house. So there's nothing I can do about it except moan :mad:.

    It's the same here in Somerset. Ours is £80 a month, and our water company estimated we'd pay the same if we switched to a meter, the online calculators agree. I will do it one day but prefer knowing what I am paying for now :(
    "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
  • My water is £3 a month, I live on my own, two showers a day, wash up every day and washing machine once or twice a week. I'm on a meter
    Baby Step 6/7 . £16000 saved and invested. £47,000 deposit paid on new home DEBT FREE !!!
    Currently Negotiating with HMRC !
  • Andyjflet wrote: »
    My water is £3 a month, I live on my own, two showers a day, wash up every day and washing machine once or twice a week. I'm on a meter
    Wow. That is low.
    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
  • Wow. That is low.

    No way I'm querying it, the meter reading is accurate but no idea if its working.
    Baby Step 6/7 . £16000 saved and invested. £47,000 deposit paid on new home DEBT FREE !!!
    Currently Negotiating with HMRC !
  • milann
    milann Posts: 11,489 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Think you sent all the rain my way yesterday- it was just awful all day until teatime.
    Water bill is really high - although I’ve no idea how much ours is as that’s dh department.
    Have the children ever played ‘heads down, thumbs up’ There are a few children ON maybe 3 or 4 depending on how many are playing - - can be more or less though, they stand at the front of the class. Everyone else has to put their heads down on the table and eyes closed. They put both thumbs up by the side of their heads. The children who are ON creep around and gently pinch the thumbs of 1 child - the idea is not to let child hear them - and then stand back at the front. The children who have been pinched take turns guessing who it was that pinched them. If they get it right they change places with the child and they are ON - if they guess wrongly the pincher stays ON. And so it goes on - but you have to choose somebody who hasn’t had a turn or it can end in same children all the time. They all go back to their own places at the end of the game. I’ve done it many times with year 1 upwards. A great filler for the last 5 minutes too waiting for home time once everyone is ready....Spurs them on :rotfl:
    January spends - £587.58
  • jwil wrote: »
    It's the same here in Somerset. Ours is £80 a month, and our water company estimated we'd pay the same if we switched to a meter, the online calculators agree. I will do it one day but prefer knowing what I am paying for now :(

    It's very annoying but I can't go on a meter until there are less people in the house.
    Andyjflet wrote: »
    My water is £3 a month, I live on my own, two showers a day, wash up every day and washing machine once or twice a week. I'm on a meter

    Wow you're lucky!
    milann wrote: »
    Think you sent all the rain my way yesterday- it was just awful all day until teatime.
    Water bill is really high - although I’ve no idea how much ours is as that’s dh department.
    Have the children ever played ‘heads down, thumbs up’ There are a few children ON maybe 3 or 4 depending on how many are playing - - can be more or less though, they stand at the front of the class. Everyone else has to put their heads down on the table and eyes closed. They put both thumbs up by the side of their heads. The children who are ON creep around and gently pinch the thumbs of 1 child - the idea is not to let child hear them - and then stand back at the front. The children who have been pinched take turns guessing who it was that pinched them. If they get it right they change places with the child and they are ON - if they guess wrongly the pincher stays ON. And so it goes on - but you have to choose somebody who hasn’t had a turn or it can end in same children all the time. They all go back to their own places at the end of the game. I’ve done it many times with year 1 upwards. A great filler for the last 5 minutes too waiting for home time once everyone is ready....Spurs them on :rotfl:

    Sorry I sent the rain to you :rotfl:.

    I've seen the teachers play 'heads down, thumbs up' with the children so that's another good one for me to try :).
    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 yesterday but was too busy to post as in the afternoon DH needed help with some urgent work, so I felt tired by the time I was cooking dinner! It was pay day yesterday :T but I didn't even get time to check my account I was so busy!

    Today and yesterday were dry at lunchtime luckily. This morning I was in reception for about an hour and helped some four year olds make kites out of paper :rotfl:. I love all the year groups I've worked with and would be hard pressed to choose my favourite.

    This afternoon I hung up some towels I put on to wash before school and put on another wash of DS3's clothes. I also ironed six tops as I won't get time to do any ironing at the weekend. Despite rain being forcast it's been dry all day so I managed to dry some of the washing in the garden.

    Tomorrow afternoon I need to pack and make sure DS3 is packing too as we're taking him back to uni on Saturday :(. He doesn't appear to have started packing yet so I don't think we're going to get away very early on the day we travel :mad:.

    I hope everyone is having a good Wednesday :).
    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: 96,488 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I Think you need to say to DS3 that you are leaving at x time on Saturday :)
    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.
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