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Finally Debt Free After 34 Years, But Still Need to Live Frugally
Comments
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Happy Birthday 🥳
Glad you're seeing the positives of being at home and being able to get out into the garden.Success is not final, failure is not fatal: it is the courage to continue that counts. Car loan 1 £10,546, Car loan CC 0% BT £5200. Debt Free Diary to try & keep spending in check.4 -
Happy belated birthday Hairy,. xxSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x3 -
Sorry I missed your biirthday, HHOD. Sending belated hugs and a slice of cake Sorry the 'old' birthday cake emoji has gone though but I see lots of posters are still inserting a variety of emojis that I can't find on here. Where are you all getting them from? Not been online much as our broadband out here is dire at the best of time (slow and poor bandwith) and at the moment so many people are needing to use it for essential purposes. I'm trying not to hog it. I love Elizabeth's 'loafing' too LOL. Fits the bill exactly of what a lot of us might be forced to do over the coming months. Enjoy your chocolate and make nice plans for how you'll spend your birthday money when we are let out of our 'prisons' again.
Is Stepdad coping all right?
We had our annual central heating oil boiler service due next week (which to honest I'd temporarily forgotten about through not checking the calendar/planner much recently) and the engineer's wife phoned yesterday to apologise for having to cancel it. I'm not worried by that at all (relieved actually and I would have cancelled it myself when I realised it was imminent) but she said not to worry because he would still come out if we had an emergency and had no heat or hot water. Probably won't be needing the heat much (but there's currently a hard white frost EEK) but we'd struggle without the hot water as we have no immersion or any other way of getting any. He's come out to various emergencies over the years, always turns up whatever the hour and his charges are really reasonable. He's a real hero in my eyes! It's a weight off my mind because our boiler is absolutely ancient and the engineer an real genius for keeping it going for so many years. His 3 children have been born, gone through university and established themselves in careers in the years he's been resuscitating this boiler LOL. Being self-employed he must be worried at the moment but I hope the Chancellor's announcement later today will be a relief (in all senses of the word). I hope it will be a lifeline to all the self-employed like your DH, HHOD. Keeping fingers crossed for you xxx
Wishing you all a good day. Stay safe xxx6 -
Nicnak said:Happy belated birthday Hairy,. xxFinally 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 MONTHS4 -
Delichon said:Sorry I missed your biirthday, HHOD. Sending belated hugs and a slice of cake Sorry the 'old' birthday cake emoji has gone though but I see lots of posters are still inserting a variety of emojis that I can't find on here. Where are you all getting them from? Not been online much as our broadband out here is dire at the best of time (slow and poor bandwith) and at the moment so many people are needing to use it for essential purposes. I'm trying not to hog it. I love Elizabeth's 'loafing' too LOL. Fits the bill exactly of what a lot of us might be forced to do over the coming months. Enjoy your chocolate and make nice plans for how you'll spend your birthday money when we are let out of our 'prisons' again.
Is Stepdad coping all right?
We had our annual central heating oil boiler service due next week (which to honest I'd temporarily forgotten about through not checking the calendar/planner much recently) and the engineer's wife phoned yesterday to apologise for having to cancel it. I'm not worried by that at all (relieved actually and I would have cancelled it myself when I realised it was imminent) but she said not to worry because he would still come out if we had an emergency and had no heat or hot water. Probably won't be needing the heat much (but there's currently a hard white frost EEK) but we'd struggle without the hot water as we have no immersion or any other way of getting any. He's come out to various emergencies over the years, always turns up whatever the hour and his charges are really reasonable. He's a real hero in my eyes! It's a weight off my mind because our boiler is absolutely ancient and the engineer an real genius for keeping it going for so many years. His 3 children have been born, gone through university and established themselves in careers in the years he's been resuscitating this boiler LOL. Being self-employed he must be worried at the moment but I hope the Chancellor's announcement later today will be a relief (in all senses of the word). I hope it will be a lifeline to all the self-employed like your DH, HHOD. Keeping fingers crossed for you xxx
Wishing you all a good day. Stay safe xxx. I'm using the emojis that are available on my tablet as the ones provided on the forum seem a bit limited. In the panel at the top (as you post) is a smiley face and if you click on it they seem to have a limited number of emojis there in a drop down menu). I'm using the ones on my tablet as there's more variety. I do miss the old MSE ones though like the Eek emoji, the Lol emoji, etc.
Stepdad is busy gardening and says they have a lot to do around the house, so he seems to be coping. I said let us know if you need anything, but their cleaner lives in their village and has offered to pick up bits for them.
I hope your boiler keeps going! Definitely best not to have anyone in the house as you say.
We're lucky that it's warm and sunny here, definitely Springlike 🌞.
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 MONTHS5 -
BIRTHDAY UPDATE
My birthday evening was good as DS2 appeared with a present for me, a crime thriller book wrapped up in printer paper as he couldn't find any wrapping paper 📚 ❤. Then I had a video chat with DS3 which was lovely ❤. After that we ate a nice curry that DH cooked ❤ followed by chocolate fudge cake. Then DH, DS1, DS2 and I watched an episode of The Grand Tour, followed by a few episodes of the Simpsons. DS2 chose the programmes, but I loved watching them with him as he only spends the evening with us on rare occasions (birthdays and Christmas) so being with him for an evening felt like a real treat ❤ 😁. Also they are the type of programmes we all watched together when he was at school and it's really sweet that he still likes them. Overall the best birthday it could have been for my first (and hopefully my last) Socially Distanced Birthday 🤔.
Last night I order a bag of compost and some bedding plants (Pansies and Geraniums) with my birthday money so that I can make the garden look nice for the Summer. It really keeps my spirits up having some lovely flowers to look at 🌹🌻🌷🏵.
HOUSEWORK & GARDENING UPDATE
I haven't done much but I put the clothes horse in the garden first thing, put another wash on and now the second wash is drying outside. It's lovely and warm out, almost like a Summer's day.
I took the tarpaulin off our garden bench and that reminded me that I need to sand and paint it with some weather proofing stuff, so I should have time to do that now my working hours are so reduced. I also need to paint the shed with some weather proofing paint over the Spring/Summer. No rush for either, as long as I weather proof them both before the autumn.
I weeded two garden pots and pulled up a few large weeds from a border. I also poured a kettle full of boiling water over one of our cobbled squares in our patio as they sprout weeds like mad 🌱. The garden doesn't look noticeably better 🤣 but if I do ten minutes to half an hour a day, I can gradually improve the garden without killing myself in the process.
I hope everyone is having a good and safe Thursday.
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 MONTHS6 -
Your socially distanced birthday sounds lovely.
I will be copying you with ordering compost and bedding plants. I also want herbs.
Like you I am doing the little and often with the garden.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) 25/0720257 -
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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.6 -
Agree HHoD, it's amazing what can be achieved on the gardening front with just half an hour to an hour a day. And little & often helps stop it getting to the level of unkemptness which leads to it all turning into a giant chore.
F x2025'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)5 -
foxgloves said:Agree HHoD, it's amazing what can be achieved on the gardening front with just half an hour to an hour a day. And little & often helps stop it getting to the level of unkemptness which leads to it all turning into a giant chore.
F xFinally 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 MONTHS7
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