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

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Comments

  • Thanks Sunshine :). We should be collecting DS3 not this weekend but next weekend. I'm looking forward to seeing him again.

    I bet you are:). I'm sure that however much he's enjoying being independent, having lots of new experiences and hopefully making a good circle of friends he'll be really looking forward to a lovely family Christmas:beer:


    Is there any reason why he can't make his own way home this vac? As he has a place in a house he won't have to clear his room and bring everything home will he? It seems a lot of hassle for you and DH especially with you putting in so many hours at work now and DH probably working every minute to get new orders and fulfilling what he already has. If it's still absolutely essential that he needs fetching, do you and DH both need to go? You won't need to clean out his accommodation any more and I'm sure there's loads of Christmas prep you could do at home. Just a thought, forgive me if I'm poking my nose in (again!):o
  • jwil
    jwil Posts: 22,375 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news about the extra cover :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
  • doingitanyway
    doingitanyway Posts: 10,306 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    It sounds as if you are the 'go to' lady. I hope you get something longer term soon. Your son without doubt will be looking forward to a family Christmas. Have a good day.
    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
  • You are definitely the go to lady at the school, I'm sure if something more permanent comes up they would be falling over themselves to employ you, you've proved your worth over and over again

    We have to put up the decorations on our ward soon,one of my work colleagues always does it and to be honest she is a complete control freak so the rest of us don't get a look in ,she has hurt her back though so I think we will all be doing it this year,I love it when the work decorations go up,we also wear scrubs with pictures on on our ward so I can get my Father Christmas one out soon :j
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Hi HHD :) Just being nosy and wondering if you've got called in again today :rotfl: Either way, hope you have a good one. xx
  • jwil wrote: »
    Great news about the extra cover :T
    Thanks Jwil :).
    It sounds as if you are the 'go to' lady. I hope you get something longer term soon. Your son without doubt will be looking forward to a family Christmas. Have a good day.

    Thanks DIA :).
    You are definitely the go to lady at the school, I'm sure if something more permanent comes up they would be falling over themselves to employ you, you've proved your worth over and over again

    We have to put up the decorations on our ward soon,one of my work colleagues always does it and to be honest she is a complete control freak so the rest of us don't get a look in ,she has hurt her back though so I think we will all be doing it this year,I love it when the work decorations go up,we also wear scrubs with pictures on on our ward so I can get my Father Christmas one out soon :j

    Thanks OBL :). It's good that the rest of you can get in on the decorating this year. I wonder why some people are such control freaks.
    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 bet you are:). I'm sure that however much he's enjoying being independent, having lots of new experiences and hopefully making a good circle of friends he'll be really looking forward to a lovely family Christmas:beer:


    Is there any reason why he can't make his own way home this vac? As he has a place in a house he won't have to clear his room and bring everything home will he? It seems a lot of hassle for you and DH especially with you putting in so many hours at work now and DH probably working every minute to get new orders and fulfilling what he already has. If it's still absolutely essential that he needs fetching, do you and DH both need to go? You won't need to clean out his accommodation any more and I'm sure there's loads of Christmas prep you could do at home. Just a thought, forgive me if I'm poking my nose in (again!):o

    It's because DS3 needs his big computer and monitor to do his coursework as he is doing a computer related course and he can't afford to duplicate the set up at home. We're going to ask him to contribute to the petrol money this time. I want to go as it's a long and lonely drive for DH on his own with no one to talk to, plus I get to spend six hours with DS3 on the drive back.
    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
  • teafor2 wrote: »
    Hi HHD :) Just being nosy and wondering if you've got called in again today :rotfl: Either way, hope you have a good one. xx
    Thanks TF2 :). No sadly I wasn't needed because the sick TA came back today! So I just volunteered, did my lunchtime job and came home.
    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 feel tired but pleased with myself today :).

    I wasn't needed for TA cover as the sick person came back today :(. So I volunteered in my usual class in the morning and did my lunch time job after that.

    Then this afternoon I spent three and a half hours on my assignment :eek:. It's still not finished believe it or not, but I think another two to three hours should finish it off. I can't believe how long it's taken! But I did a word count today and I'm up to 9,700 words :eek: :eek: and it's not finished yet. I'm pleased with myself for putting so much work in on it after a busy and tiring morning and I finally feel like I'm close to finishing it :T.

    I'm going to ask DH to iron my trousers for tomorrow as I feel completely shattered now but virtuous :D.

    I hope everyone has had a good Wednesday :).
    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
  • That's an amazing amount of work, I would be pleased with that too.

    Sorry about the cover today, hopefully you'll be their first contact from now on though. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
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