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

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Comments

  • Thanks TF2 :). That made me laugh about your DD in the shower :rotfl:. That's even worse than DS3. What on earth does she do in there? :rotfl:

    .


    Ermmm, well I daydream on the loo (!!!), do 200 push-ups against the bath, numerous leg exercises (heel raises etc) whilst brushing and flossing my teeth, water the plants, clean the mirror over the sink where DH splashes it, clean the sink (sometimes), clean the loo (sometimes), do balance exercises, and calf stretches, ....
    then - less than 3 mins actually under running water for my shower !!

    You can see how the time meanders, and I actually try to curtail the daydreaming !!
  • Hi,

    I've just caught up. Sorry you are feeling so tired and things seem to be getting on top of you. Being tired is obviously a real catalyst for a lot of things, and I hope things settle for you.

    Hoping you can sort something out with your energy supplier. I remember last year you were planning to pay them off when you got your payments. Maybe that is an option? It could help save you money in the long run.

    It's a shame DH's work has gone down. Perhaps it is the time of year as well and he will get more over the coming months?

    I hope you have a nice Saturday saunter today. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • badmemory
    badmemory Posts: 9,980 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Regarding the in-shower with water running time - I can figure out the state of my DSs mental health which isn't great at the best of times, by the length of time he spends in the shower. 5 mins really great, 30 mins not so much or oh dear today is not going to be a good day.
  • Ermmm, well I daydream on the loo (!!!), do 200 push-ups against the bath, numerous leg exercises (heel raises etc) whilst brushing and flossing my teeth, water the plants, clean the mirror over the sink where DH splashes it, clean the sink (sometimes), clean the loo (sometimes), do balance exercises, and calf stretches, ....
    then - less than 3 mins actually under running water for my shower !!

    You can see how the time meanders, and I actually try to curtail the daydreaming !!

    :rotfl: Well at least if it doubles up as cleaning and exercise time then you have more excuse :D.
    badmemory wrote: »
    Regarding the in-shower with water running time - I can figure out the state of my DSs mental health which isn't great at the best of times, by the length of time he spends in the shower. 5 mins really great, 30 mins not so much or oh dear today is not going to be a good day.
    Perhaps being in the shower relaxes and calms your DS. The hot water always relaxes me .

    I spend half an hour in total in the bathroom which includes getting dressed, cleaning my teeth, etc, so I probably only run the hot water for ten minutes. I'm just thankful we have a separate toilet!
    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
  • Nicnak wrote: »
    Hi,

    I've just caught up. Sorry you are feeling so tired and things seem to be getting on top of you. Being tired is obviously a real catalyst for a lot of things, and I hope things settle for you.

    Hoping you can sort something out with your energy supplier. I remember last year you were planning to pay them off when you got your payments. Maybe that is an option? It could help save you money in the long run.

    It's a shame DH's work has gone down. Perhaps it is the time of year as well and he will get more over the coming months?

    I hope you have a nice Saturday saunter today. x

    Thanks Nicnak :). We can't afford to pay them off at the moment without using our EF. But it is a priority to do this.

    It could be the time of year or Brexit, but we'll need some work in before Christmas or we'll be in trouble.
    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 my day hasn't gone according to schedule so far.

    I decided to skip my Saturday saunter due to lack of money and heavy wind and rain :(. DH and DS2 had a flu jab scheduled at the doctor so I decided to go with them, do a bit of shopping in Mr T and then drive home together. DH dropped me off but Mr T was shut due to flooding can you believe :eek: and DH didn't notice me running after the car shouting stop! :rotfl:

    So I nipped into a bakery instead and had a coffee (£2.75) and got a free croissant for DH and then killed time in a charity shop where it was warm and dry. I bought two plain red pillar candles for £3 and one red glittery pillar candle for £2, which I thought would be nice for Christmas and help to save electricity.

    When DH and DS2 came to collect me after their jabs we drove to Mr L and spent £31.12 on 18 pints of milk, a big slab of value cheese, 15 eggs, 2 cheapo pizzas, 2 packs of Linda M burgers, oats, bread flour, 3 x margerine, bananas, satusmas, 3 bars of soap, face wipes, mouthwash and 3 packs of toilet roll. I'm hoping that will last a week now with what we have in the store cupboards and freezer.

    The rest of today will be spent doing laundry and relaxing with a book/bit of telly.

    I hope everyone else is having less stormy weather than we are in Devon.
    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
  • Just thinking of you, have seen a photo of Plymouth lifeboat being launched in very big waves . I think you are right to stay at home. Have a good day .
    Life is an adventure, never stop exploring.

  • Hope you are still indoors. I saw the weather warning and the firework display was cancelled. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • doingitanyway
    doingitanyway Posts: 10,300 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    A funny image of you running behind the car because Mr T was flooded...
    The candles sound nice :)
    Stay safe with the weather.
    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
  • Just thinking of you, have seen a photo of Plymouth lifeboat being launched in very big waves . I think you are right to stay at home. Have a good day .

    Thanks Sunshine :). I'm safe indoors but I wouldn't fancy my chances at the beach today :eek:.
    Nicnak wrote: »
    Hope you are still indoors. I saw the weather warning and the firework display was cancelled. x

    Thanks Nicnak :). Yes I'm snug indoors.
    A funny image of you running behind the car because Mr T was flooded...
    The candles sound nice :)
    Stay safe with the weather.

    Thanks DIA :). It was a bit of a comedy moment :rotfl:.
    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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