Noticed some changes? You can read all about the improvements we've made on the Forum in our latest announcement. We also have a new set of Forum rules so please take the time to give them a read and familiarise yourself.

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

edited 18 November 2017 at 10:49AM in Debt Free Diaries
15.1K replies 886.7K views
1891113141513

Replies

  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    13.7K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    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 = £800/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £183.57/£500. SEF = £2,050/£12,000 PREMIUM BONDS ME = £500. PREMIUM BONDS DH = £500.
    HOLIDAY MONEY = £1,000 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 4 MONTHS
  • PurplebonniePurplebonnie Forumite
    109 Posts
    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 :)
    31/12/19 - £26684.24 - DFD 01/04/22 - January food budget £200/£34.25
    Weight loss goal 56lbs - 0/56 - Emergency Fund £1000/£428.26 NSD/3
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    13.7K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    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 = £800/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £183.57/£500. SEF = £2,050/£12,000 PREMIUM BONDS ME = £500. PREMIUM BONDS DH = £500.
    HOLIDAY MONEY = £1,000 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 4 MONTHS
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    13.7K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    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 = £800/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £183.57/£500. SEF = £2,050/£12,000 PREMIUM BONDS ME = £500. PREMIUM BONDS DH = £500.
    HOLIDAY MONEY = £1,000 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 4 MONTHS
  • Purplemumof2Purplemumof2 Forumite
    7.9K Posts
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    ✭✭✭✭
    I like my tea so strong you can stand the spoon up in it

    :rotfl::rotfl: you could be my twin PB
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £5130.00 - Lloyds: £5650.00
    Xmas Pot £485/£700 ~ EF £1000
    PAYDBX 2021 - #? £0 / £2,000
  • Purplemumof2Purplemumof2 Forumite
    7.9K Posts
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    ✭✭✭✭
    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
    Official DFW Nerd Club - Member no. 791 - Proud to be dealing with my debts
    BC: £5130.00 - Lloyds: £5650.00
    Xmas Pot £485/£700 ~ EF £1000
    PAYDBX 2021 - #? £0 / £2,000
  • beanieloubeanielou Forumite
    76.1K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭✭
    Glad that the tax people found the payment :)
    Lou~ Debt free Wanabe No 55 DF 03/03/14.
    **Credit card debt free 30/06/10~**
    MFW. Finally mortgage free February 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.
    It starts with you, it starts from now. *** It is ok to be me.***
    ***Keep plodding***
    Out of debt, out of danger. ***Be the difference.***
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    13.7K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    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 = £800/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £183.57/£500. SEF = £2,050/£12,000 PREMIUM BONDS ME = £500. PREMIUM BONDS DH = £500.
    HOLIDAY MONEY = £1,000 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 4 MONTHS
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
    13.7K Posts
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    ✭✭✭✭✭
    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 = £800/£5,000. EMERGENCY FUND 2 = £10/£5,000.
    CHRISTMAS SAVINGS = £183.57/£500. SEF = £2,050/£12,000 PREMIUM BONDS ME = £500. PREMIUM BONDS DH = £500.
    HOLIDAY MONEY = £1,000 TIME LEFT TO PAY OFF MORTGAGE = 6 YEARS 4 MONTHS
  • Seasidegal58Seasidegal58 Forumite
    4.7K Posts
    Seventh Anniversary 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!”
Sign In or Register to comment.