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

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Comments

  • milann
    milann Posts: 11,489 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    Well done with tackling the assignment. How long will the course take to complete?
    January spends - £587.58
  • jwil
    jwil Posts: 22,375 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I think The Fitness Chef on FB is good for calling out BS and amusing too.

    Thank you I'll have a look.

    Congrats on the progress with your assignment :T
    "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
  • Hi Hairy, have you ever checked to see if you are entitled to any benefits at all, even self employed people can claim something to top up their earnings

    It's really not good to not have some form of heating when the temperature drops, i hate to think of you sitting in the cold ��
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 21 November 2019 at 3:57PM
    milann wrote: »
    Well done with tackling the assignment. How long will the course take to complete?

    Thanks Milann :). I should be finished by May I think.
    jwil wrote: »
    Thank you I'll have a look.

    Congrats on the progress with your assignment :T

    Thanks Jwil :).
    Hi Hairy, have you ever checked to see if you are entitled to any benefits at all, even self employed people can claim something to top up their earnings

    It's really not good to not have some form of heating when the temperature drops, i hate to think of you sitting in the cold ��

    Thanks OBL :). We get WTC but only about £70 a month because they don't look at outgoings and they only take account of DH and I because the DC are all over 18. So it's just not enough to make a difference.

    The trouble is DH has business expenses (like software subscriptions) that go out regardless of whether he's making money and the household bills just seem to go up and up :(.

    We have had the heating on for most of November though.
    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 21 November 2019 at 4:14PM
    Well I've had a busy day! It's been heavy rain most of the day and two lunchtime staff were off :eek:. Also it was wet playtime which requires more staff to supervise the children than when they can play out in the playground :eek:. So it's been really hectic! I can only describe it as barely controlled chaos! We coped anyway which is the main thing.

    I got very wet walking home and had to dodge deep puddles where drains were blocked and avoid getting splashed as cars whizzed by. No one seems to slow down despite the heavy rain and slippery roads :mad:. My shoes, trousers, coat and gloves are drying on the radiator now!

    This afternoon I have absolutely nothing scheduled because I'm really tired. I feel quite headachey and my legs feel weak :(. I'm going to need all of my energy to get through tomorrow too.

    I have a really busy day tomorrow. I'm doing my full day of cover, my lunchtime job, I'm on playground duty at morning break and the headteacher has asked me if I'll run a stall at the school fair after school :eek::eek::eek:. So I think I'll collapse and die of exhaustion when I get home. At least I'll get paid for everything apart from morning break and the school fair.
    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
  • Hope you're a bit drier now?

    Hope that the headache shifts, get plenty of rest xx
  • foxgloves
    foxgloves Posts: 12,773 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    That sounds like a really busy day ahead, HHoD. Hope your headache clears & that you're not going down with a lergy.
    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)
  • beanielou
    beanielou Posts: 96,469 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope your busy day goes well tomorrow.
    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.
  • Sun_Addict
    Sun_Addict Posts: 24,331 Forumite
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    Your weather sounds like ours was last Thursday, it was torrential rain all day :( Been dry and sunny all week then today was dry but very gloomy :(

    You're making great progress with the assignment :)

    Hopefully you'll get a good night's rest tonight and feel better tomorrow ready for your busy day xx
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Hope tomorrow goes well after, fingers crossed, a good night's sleep. Getting paid for it all will definitely help.

    OH used to pay me for some basic accountancy and word processing work which I utterly loathed, but I did love the money !!!
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