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

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Comments

  • Do you now how long the cover will last for? Hopefully it is indefinitely. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • beanielou
    beanielou Posts: 96,553 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that the TA cover is going well.
    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: »
    Do you now how long the cover will last for? Hopefully it is indefinitely. x
    It won't be indefinite for one TA and probably not for the other one, but who knows. It's very up in the air at the moment as to how long it lasts, so I'm just taking each day of cover as a bonus :).
    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
  • beanielou wrote: »
    Glad that the TA cover is going well.

    Thanks Beanie :).
    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: 12,779 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    HHoD - I think doing this extra TA cover can only stand you in good stead for future hours. Schools are usually looking for reliability & people who can fit into their own way of doing things, so you do have an advantage there. Oooh, I do wish someone on the staff would decide that they fancy a career change.
    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)
  • I'm glad the TA cover is going well and that you're enjoying it, HHOD:j:beer:

    I agree with foxgloves about it standing you in good stead for the future at that school. You've obviously become their 'go to' person for covering other TA absences and the fact that you are reliable and versatile will mean the world to them:). What happened to the trained teacher who you were worried about taking any available upcoming TA jobs? I wouldn't give her another thought if I were you;)
  • Sun_Addict
    Sun_Addict Posts: 24,349 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Glad you're enjoying the TA cover and the extra cash :D All good experience to set you up for the future.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • foxgloves wrote: »
    HHoD - I think doing this extra TA cover can only stand you in good stead for future hours. Schools are usually looking for reliability & people who can fit into their own way of doing things, so you do have an advantage there. Oooh, I do wish someone on the staff would decide that they fancy a career change.
    F x
    Thanks Foxgloves :). I wish that too, it would be like a dream come true because I'm loving it :).
    I'm glad the TA cover is going well and that you're enjoying it, HHOD:j:beer:

    I agree with foxgloves about it standing you in good stead for the future at that school. You've obviously become their 'go to' person for covering other TA absences and the fact that you are reliable and versatile will mean the world to them:). What happened to the trained teacher who you were worried about taking any available upcoming TA jobs? I wouldn't give her another thought if I were you;)
    Thanks FS :). It is excellent experience for me. The teacher is doing teaching cover luckily and hopefully will stick to that as it's much better paid :T.
    Sun_Addict wrote: »
    Glad you're enjoying the TA cover and the extra cash :D All good experience to set you up for the future.

    Thanks SA :). I'm really pleased to get this amazing opportunity.
    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 did a full day of cover today plus my lunchtime job but I still had a good day. Apart from the fact that it was torrential sideways rain most of the day and I got soaked just crossing the playground :eek:. Needless to say the children couldn't go outside at lunchtime. I had about forty children in my classroom at one point so there wasn't room to do anything except read them a story.

    One of the children came in halfway through break (driven indoors by rain) and said "My hair is ruined!" :rotfl: so I said "So is mine." I loved doing the TA cover though and the day flew by :D. I'm hoping for a drier day tomorrow!

    DH had washed and dried some clothes when I got home which is all good :). I do feel quite tired now so I'm only going to cook for myself tonight. Beans on toast with grated cheese is sounding good to me at the moment.
    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
  • milann
    milann Posts: 11,500 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    It’s been an awful day here too - I’m so pleased I’ve got out of going outside over diner time play. I’m loving doing my little craft club and so are the children.
    January spends - £587.58
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