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

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  • Hi Reb thanks for popping by :wave:.

    Last night DH spent £5 on milk, and chocolate for him & DS1. A NSD apart from that.

    Dinner was frozen mince from the freezer, cooked in curry sauce with onions, spinach and kale in one of my experimental recipes :D.

    Today's plans are iron DH's shirt ready for his 10.00am meeting, go for a walk, calculate our latest vat return (my favourite job, not :() and do some other work.

    I also hope to have a NSD. Have a great Tuesday everyone :).
    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
  • Morning, I have been looking back at your lists and have picked up some good tips. However, one thing I can't do is value teabags, I like my tea so strong you can stand the spoon up in it, I will just have to watch out for offers on my precious Yorkshire Tea! Have a good day :)
    Debt 04/11/22 - £0.00
    Emergency Fund Goal - £1000/£106.89
    Living Fund 1 Year - £2520/£640
    Travel Pot - £2000/£350
    Regular Saving Fund £4800/£400
  • I'm glad the lists were useful purplebonnie. I actually like Tesco value tea bags, strange creature that I am :D.

    I have some even older lists somewhere that I must try to find, they'll give a fascinating insight into my early spending habits :o.
    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've had a lovely walk in the sunshine after yesterday's rain and an even lovelier hot shower afterwards, simple pleasures :)

    Now to start work.
    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 like my tea so strong you can stand the spoon up in it

    :rotfl::rotfl: you could be my twin PB
  • I've had a lovely walk in the sunshine after yesterday's rain and an even lovelier hot shower afterwards, simple pleasures :)

    Now to start work.

    Have a lovely day Hairy x
  • beanielou
    beanielou Posts: 95,589 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that the tax people found the payment :)
    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 purplemum and beanie.

    I've popped on for a break from my vat return and my head hurts. I usually get something wrong so our accountants have to correct it :doh:
    But never mind, as long as I submit it before I get fined, that's all I care about :)
    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
  • Well today was a NSD day for me. DH had to put £5 of petrol in the car as DS3 missed the bus and needed a lift to college. Kids!

    Tomorrow is my big food shop day and my goal is to spend £74. I'll need to do a careful audit of the fridge, freezer and cupboards, so that I buy exactly what we need for one week and no more. I need to keep an eye on the total and if it's about to go over then I'll put stuff back. I can do this :)

    I almost finished my vat return and once the accountants reply to a query I can finish it, submit it and pay it. It's always a relief when that horrible chore is done :)

    Have a relaxing evening everyone.
    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
  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi HairyHand - found your lists really interesting - and isn't it great that you've kept up with the changes. Hope you find the others and post them here.

    SSG x
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
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