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

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Comments

  • beanielou
    beanielou Posts: 96,469 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I had no idea the virus was to come back every year. 
    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.
  • beanielou
    beanielou Posts: 96,469 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope you can have a relaxing weekend 😊
    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.
  • beanielou said:
    I had no idea the virus was to come back every year. 
    beanielou said:
    Hope you can have a relaxing weekend 😊
    It may come back every year, they're not certain.

    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
  • I've just worked out how to do multiple quotes :smiley:.
    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
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    100 Posts Name Dropper
    edited 14 March 2020 at 10:53AM
    I hope your tummy trouble has got better now, HHOD.  After a busy week at work the last thing you need is a weekend where you feel under par and unable to do everything you have planned.

    As for the really cheap toilet rolls, they area total waste of money IMO.  Like you, we use them as tissues as well but there are less sheets per roll on the real 'value' ones than slightly more expensive ones.  I remember reading that your family get through a massive amounts of TR and that's probably because everyone needs to use more because of the thinness so it's not cost effective in the long run.  I also remember you saying once that you'd tried more expensive ones and they didn't last any longer but I wonder whether that's because your family are so used to having to use more sheets each time and carried on using the same number of sheets of the better quality ones even though they didn't need to IYKWIM.  After years of always having the thinner ones it might take a while to get used to the amount of sheets you need of the slightly more expensive ones.  Just a thought, for what it;s worth.  I hope your TR hunt is successful and not too stressful.  I tend to buy Asda Shades TRs nowadays.  They fit the bill in every way especially when they are on offer.

    As for the return of the coronavirus every year I've heard various theories.  I think the truth is that because it's so new nobody really knows what will happen with it.  Even if we develop the 'herd immunity' that has been mentioned I'm not sure it's a guarantee that it will cover us in future outbreaks.  I know with 'normal' flu the vaccine is modified each year because the strain of flu varies from year to year and the fact we had it one year or were vaccinated isn't total protection for a newer strain rearing its ugly head.

    Wishing you and your family a good weekend.  The outing with your Aunt and Uncle sounds lovely and I hope the sun shines for you.  Take care xxx.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 14 March 2020 at 5:40PM
    Thanks Delichon :).  My tummy is feeling a bit better now although still not normal, just a bit of discomfort.

    We definitely spend less money when we buy cheap toilet rolls as I've experimented with both methods.

    Yes nobody really knows what will happen with the virus, it's all just guesswork and theories.
    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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