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

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Comments

  • jwil wrote: »
    I think your posts on this have been fascinating. I'd definitely like to know more.

    I agree that EssexHebridean posts on food are very interesting :).
    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: »
    Happy weekend. Enjoy your saunter if you are out on one. x
    Happy Saturday saunter

    Thanks both of you :).
    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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 16 November 2019 at 3:59PM
    My Saturday saunter was productive today.

    I had a disaster with my winter jacket a few days ago :(. It was a lovely waterproof faux fur lined jacket that I loved. I bought it eight months ago and I'd packed it away for the summer, then washed it the other day to freshen it up. I followed the instructions on the label but it developed horrible white marks all over the outside :(. So I was very upset about this as it was my only warm jacket (apart from a winter coat I wear for best).

    Anyway I went into town with DH today and we went in to the shop to complain. Luckily I still had the receipt. The people in the shop were lovely, apologised and gave me a full refund :). So well done to J0ul3s. I found another warm jacket I liked in D3b3nh@ms for a very similar price and bought that. So now I can be warm in the playground without wearing two coats :).

    Whilst in town with DH I also got my flu jab (£12.99 in B00ts), bought some more moisturiser with 30 SPF (£12.99), topped up my phone (£10) and had coffee with DH (£7 he had cake too). So a bit spendy but only essentials apart from the coffee and cake and it's nice to spend some time with DH :).

    Since getting home I've put some laundry on to wash and emptied the kitchen bins. I don't plan to do much else today as I want to relax after a tiring week. It's been a lovely sunny day if a bit chilly.

    I hope everyone is having a good Saturday :).
    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: 12,772 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    Hi HHoD, I managed to get my flu jab too this week. I had to postpone my first one as Mr F needed the car after all, as he had to go into work unexpectedly to deal with implementing flood emergency plans. But I've been jabbed now & am happy to pay £12 for this. I am too young for a free one but having suffered flu three years running at age 50, 51 & 52, after practically my entire life flu-free, I've decided it is well worth the money for a bit of protection. I don't think I've ever felt so ill!
    I had mine done at a small pharmacy in town & while I was waiting, I was looking around at what they were selling. I was interested to see that there were some products I buy priced at less than I've been paying in a well known very large chain. Must remember this!
    Anyway, let's hope we'll both avoid the flu now, HHoD,
    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)
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    That's great that you got a refund for the coat and managed to find another one.

    Your Saturday sounds very productive and some days coffee and cake is actually very essential ;) xx
  • beanielou
    beanielou Posts: 96,468 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy new jacket :)
    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.
  • My Saturday saunter was productive today.

    I had a disaster with my winter jacket a few days ago :(. It was a lovely waterproof faux fur lined jacket that I loved. I bought it eight months ago and I'd packed it away for the summer, then washed it the other day to freshen it up. I followed the instructions on the label but it developed horrible white marks all over the outside :(. So I was very upset about this as it was my only warm jacket (apart from a winter coat I wear for best).

    Anyway I went into town with DH today and we went in to the shop to complain. Luckily I still had the receipt. The people in the shop were lovely, apologised and gave me a full refund :). So well done to J0ul3s. I found another warm jacket I liked in D3b3nh@ms for a very similar price and bought that. So now I can be warm in the playground without wearing two coats :).

    .

    That's wonderful you got the refund, and how sensible to have kept the receipt.
    As beanielou said, Happy New Jacket !!
  • milann
    milann Posts: 11,489 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Pleased you got your jacket sorted. I think I’ll be in for a shock when I go back to work in December (hopefully) the last time I did a dinner time playground duty was May when we were trying to find shade from the sun :eek::eek: I’ll need to wrap up me thinks....
    Enjoy the rest of your weekend.
    January spends - £587.58
  • Sun_Addict
    Sun_Addict Posts: 24,331 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great result from returning the coat, must've been faulty fabric for that to happen. Always worth keeping receipts for the first year at least.

    Have a lovely Sunday xx
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Glad to hear you got a refund on your coat and found another suitable one. Flu jab done as well , so a good day yesterday.

    Hope you have had a relaxing rom com Sunday .
    Life is an adventure, never stop exploring.

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