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

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Comments

  • Sorry you woke feeling down. the weather doesn't help does it?

    It is important to acknowledge negative feelings, but I'm sure your approach will help you. So, well done for taking time out to count the positives.

    It is a great idea to plan a day out so you have something nice to look forward to.
    You always come back happier after a NT day and that is not expensive so maybe an option?

    Hoping you feel more yourself soon.

    Thank you DIA :).
    beanielou wrote: »
    Lovely list of positives.
    Keep plodding:)
    Thank you Beanie :).
    Sometimes the list of positives, however long and true, still doesn't seem enough, and then one feels guilty for being ungrateful !!!
    Something to look forward to is an excellent idea, especially if it doesn't cost much.

    TBH, my 'go-to' gratitude list usually gets more basic; top of the list is clean running water, then roof over my head, and so on. Political, personal and gender freedoms are high too. So many women live coercive lives with very little autonomy that I am forever grateful for living in a Western democratic country.

    But gloomy weather has a habit of undoing all one's positive thoughts. I blame the barometric pressure which seems to have given me a thick head in the morning for the last few days !
    I'm concentrating on being grateful for reduced pain, my shiny new hip (!!), and a DH who helps.
    Thank you Elizabeth :).

    I have lists of positive things on my phone and look at them when I feel low. Sometimes it helps. My mood is very affected by changes since my Mum died, so DS3 going back to uni and the summer changing to autumn is affecting my mood for the worse. I do think rain and dark evenings effect lots of people's mood. I know I'm lucky to have my family and school, and yes I do feel ungrateful sometimes for feeling low despite having them. But I do miss my Mum so very much still.
    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
  • Going to school definitely helped my mood today. The rain held off (mostly) at lunchtime and sorting out all the children's little problems and concerns is a good distraction. I had to laugh yesterday when my colleague said to the children "I want more talking and less eating," of course she meant it the other way around, so that amused me :rotfl:.

    After lunch I did my volunteering with some younger children and that was also a good distraction for me. The sun even peeped out from the clouds occasionally!

    I've volunteered to go on an all day school trip on Thursday. We're just walking around parts of our town but it should be interesting and keep me busy!

    We need to do our Mr T order tonight as we're running out of food, but we must remember to order less now that DS3 isn't here. At least it will be cheaper hopefully.

    I hope everyone has had a good Tuesday :).
    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
  • foxgloves
    foxgloves Posts: 12,774 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I love Autumn, HHoD, & all its festivals.... Our wedding anniversary, Samhain, Guy Fawkes, Winter solstice, Mr F's birthday, Christmas, but you know, as soon as that's all over,, I often have a bit of a decline in January. It remains with me until I can get outside in the garden & get my hands in the soil.
    Stay positive. I've been thinking about my Mum too. At this time last year, she had just 8 days left & no longer knew who we were. You can't help but think about these things when anniversaries come along. It's only natural. I'm planning to make some big family photo albums soon. I think that will be a nice thing to do.
    F x
    2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
    2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 8.1kg/30kg

    "Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)
  • doingitanyway
    doingitanyway Posts: 10,306 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Glad you had a good day HHOD

    Foxgloves like you I love Autumn too :)
    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
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Sorry to hear you're feeling a bit down. The weather certainly doesn't help. I'm another to add to the list of 'love autumn' but that doesn't mean I like non-stop rain :o

    You have a great list of positives there so hang on to those thoughts :) I know what you mean about DS going back to Uni. It's like having to let go all over again when they've been home for so long isn't it.

    I'm sure you'll come up with something nice to look forward to. Actually a day out at the NT sounds pretty good to me especially if there's a nice piece of cake or lunch thrown in - or even better, both :D xx
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 1 October 2019 at 8:18PM
    foxgloves wrote: »
    I love Autumn, HHoD, & all its festivals.... Our wedding anniversary, Samhain, Guy Fawkes, Winter solstice, Mr F's birthday, Christmas, but you know, as soon as that's all over,, I often have a bit of a decline in January. It remains with me until I can get outside in the garden & get my hands in the soil.
    Stay positive. I've been thinking about my Mum too. At this time last year, she had just 8 days left & no longer knew who we were. You can't help but think about these things when anniversaries come along. It's only natural. I'm planning to make some big family photo albums soon. I think that will be a nice thing to do.
    F x
    Thank you Foxgloves :). I used to love the autumn as I've always liked autumn walks, Guy Fawkes, Christmas, etc. But my sister died in September and it was my Mum's birthday in November, so I have some sad associations with autumn now. I need to try and reframe it somhow. I think some family photo albums would be a lovely way to remember your parents :).
    Glad you had a good day HHOD


    Foxgloves like you I love Autumn too :)
    Thank you DIA :).
    teafor2 wrote: »
    Sorry to hear you're feeling a bit down. The weather certainly doesn't help. I'm another to add to the list of 'love autumn' but that doesn't mean I like non-stop rain :o

    You have a great list of positives there so hang on to those thoughts :) I
    know what you mean about DS going back to Uni. It's like having to let go all over again when they've been home for so long isn't it.

    I'm sure you'll come up with something nice to look forward to. Actually a day out at the NT sounds pretty good to me especially if there's a nice piece of cake or lunch thrown in - or even better, both :D xx
    Thank you TF2 :). It does feel like I'm letting DS3 go all over again after having him home for three months :(.

    I used to like the autumn as I said to Foxgloves but now it has some sad associations. I need to try and find something nice to do in the autumn so that it can have better associations for me. I think you're right that some autumn NT visits could cheer me up; a crisp autumn walk followed by coffee and maybe cake/lunch in the cafe. I think DH, DS1 and I would all enjoy that.
    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
    Are you on FB HHD?

    There's a group on there 'Action for Happiness' each month they post a calendar with small daily actions. It's quite inspiring and this month's is 'Optimistic October'.

    Here is the link: https://www.facebook.com/actionforhappiness/?ref=br_rs
    "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: 96,488 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    jwil wrote: »
    Are you on FB HHD?

    There's a group on there 'Action for Happiness' each month they post a calendar with small daily actions. It's quite inspiring and this month's is 'Optimistic October'.

    Here is the link: https://www.facebook.com/actionforhappiness/?ref=br_rs
    I love their calenders.
    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.
  • EssexHebridean
    EssexHebridean Posts: 24,615 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I had to laugh yesterday when my colleague said to the children "I want more talking and less eating," of course she meant it the other way around, so that amused me :rotfl:.

    That sort of thing makes me chuckle too - it's like when someone gets muddled and tells a child not to eat with its mouth full! :rotfl::rotfl:

    I'm not surprised losing your Mum is still affecting you so much - try to remember there is no time limit on grief - it takes as long as it takes, and affects absolutely everyone differently. There are no rules here about what you should be feeling, how you should be feeling it and for how long. Be kind to yourself.
    🎉 MORTGAGE FREE (First time!) 30/09/2016 🎉 And now we go again…New mortgage taken 01/09/23 🏡
    Balance as at 01/09/23 = £115,000.00 Balance as at 31/12/23 = £112,000.00
    Balance as at 31/08/24 = £105,400.00 Balance as at 31/12/24 = £102,500.00
    Balance as at 31/08/25 = £ 95,450.00
    £100k barrier broken 1/4/25
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  • Sun_Addict
    Sun_Addict Posts: 24,334 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad DS3 got off to uni ok :)

    What a lovely list of things to be grateful for, sometimes we tend to just think of the negative things, I know I do, but we can always find the positive things if we try. I think having good health is always top of the list.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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