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

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  • beanielou
    beanielou Posts: 96,506 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Nearly holiday time :)
    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.
  • Hi Hairy,I hope you are feeling better now,I still haven't written my cards but I've done everything else :rotfl: I really only need to send out two though,I send one to a friend of my mum because she always sends me one and one to my sister who I won't see because she lives in Nottingham,I do give my best friend a card but I don't bother with cards for anyone else nowadays,I hate the thought of all that wasted card
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • beanielou
    beanielou Posts: 96,506 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I still have not written all my cards :(
    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.
  • Nicnak wrote: »
    Hope you're feeling a bit better this evening, and even better tomorrow.

    I always forget people and got to the point that I carried them round with me, and pretended to 'find' them in my handbag ten mins later.

    I also always have spare presents as I forget people as well!

    x

    Thanks Nicnak :). It's definitely not just you!
    I must admit Hairy OH doing housework avoids him working. I then end up doing that but I am more efficient at it anyway!
    I can work and do housework (when I'm not ill) but DH only appears to be able to manage one or the other :rotfl:.
    Sun_Addict wrote: »
    I love writing out, sending and receiving cards. Sadly my card list gets shorter every year. I remember years ago having strings of them all around the house. I think it's a sad sign of the times.
    I'm definitely getting less than I used to, although cards from school have bumped it up a bit this year.
    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 hope you felt better today, HHOD, and that your day went well:j

    I've been a very sporadic visitor to your diary recently, dratted RL issues got in the way:( but I recall you mentioning a while ago being invited to your school staff meal. Has it already taken place? If so, I hope you had a lovely time:). If you still have it to look forward to, enjoy:beer:

    Thanks FS :). It's coming up tonight FS.
    teafor2 wrote: »
    Evening HHD :) Hope you're feeling more like yourself. Bet all the staff, yourself included, are ready for a break now aren't you. It's a fun but very busy time of year for everybody. xx

    Thanks TF2 :). Yes everyone is ready for a break, even me (but only because I've been ill :rotfl:).
    beanielou wrote: »
    Nearly holiday time :)

    Thank goodness!
    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
  • Hi Hairy,I hope you are feeling better now,I still haven't written my cards but I've done everything else :rotfl: I really only need to send out two though,I send one to a friend of my mum because she always sends me one and one to my sister who I won't see because she lives in Nottingham,I do give my best friend a card but I don't bother with cards for anyone else nowadays,I hate the thought of all that wasted card

    Thanks OBL :). I'm still not right as I'm so tired and achey :(.
    beanielou wrote: »
    I still have not written all my cards :(
    Last day of posting is tomorrow!
    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
  • Yesterday I went in at 9am for my paid cover then did my lunchtime job. It went fine but I felt as though my brain had been removed and replaced with cotton wool! At lunchtime it was fine rain before the children ate so I got a bit soggy in the playground, the noise in the dining room really did my head in (normally I don't mind it) and then after they ate it chucked it down so we had indoor play :(.

    So that was all pretty exhausting and then I'd been invited by my fellow MTAs to go for lunch at a local pub as a seasonal get together. I wanted to go and it was enjoyable. I spent £4.85 on a main and a diet peps! which I was was very cheap I thought. Then DH picked me up and we bought two presents in town that needed posting.

    Well I really overdid it and I felt ill when I got home :(. I lay on the sofa most of the evening and DH cooked again (he's cooked most of the week). At bed time I my feet were throbbing and I was aching all over, so I couldn't go to sleep for ages due to sheer discomfort :(.

    So I decided not to volunteer this morning. I hate missing volunteering, especially this week with all the Christmas fun, but I've just been feeling so tired and ill that I couldn't face going in :(. I've got to do my lunchtime job (I just hope it doesn't rain heavily) and I'm supposed to be going out for a meal tonight with some teachers and the TAs. I've already paid £20 for it so I hope I'm up to going.

    I'm determined to volunteer tomorow morning even if I drop dead in the classroom because it's the last day before the Christmas holidays. I'm going to take some chocolates in for the children today as the teachers will be giving them presents tomorrow so I think it's better to spread the joy and give out mine today. I've got three giant tubs of H£r0es to give to my lunchtime class, my volunteer class and the class I did the cover in :).

    I'd better stop posting and go and get ready for school now!
    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
  • Sun_Addict
    Sun_Addict Posts: 24,340 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Are you taking anything HH, I find that high dose flu tablets get me through for a bit. Hope you feel better soon and make it to the meal xx
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • jwil
    jwil Posts: 22,381 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I hope the job goes well today, and hope you feel better soon xx
    "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
  • Thanks SA :). I'm only taking eccinaccea regularly. I did have two ibuprofen at bedtime last night but they made zero difference to my aches and pains :(. I'll take another two just beore I leave. The trouble is that too many painkillers make me feel ill so I try to only take them when I'm really desperate.

    It's chucking it down with rain so it's definitely going to be wet playtime :eek: but if I come home afterwards and sit on the sofa for a few hours and don't move hopefully I'll be up to going out tonight!
    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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