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Finally Debt Free After 34 Years, But Still Need to Live Frugally
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HairyHandofDartmoor said:Then I cracked on with part two of my assignment as soon as I got back Anyway I was finally able to start and worked on it from 10.30am until 5.30pm with half an hour for lunch.
🙂.
I'm sure starting the day with a walk gets the system going in a nice way, we've been so lucky with the weather.4 -
Well done on the assignment 👍January spends - £587.584
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Well done on the walks and the assignment.
Hope it's nothing serious with BIL x"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 McGee3 -
Well done on your assignment HHOD. You dont realise how much things are bothering you until you crack on with them do you! xx
Mummytogirls x4 -
Great work on the assignmentIf 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) 25/0720253 -
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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.2 -
Thanks everyone 🙂. I've still got two assignments that have been emailed to me (one is late), but I'll do them both the week after next as I'm back at school next week. My tutor has got one to mark now anyway and she wants to have a phone chat on Monday as part of my course.
I feel triumphant today 😇. I've been to the supermarket and the chemist for medication 😇 . I feel like a hunter who's successfully hunted down a buffalo or something and brought it home to the family 🤣😂🤣.
I didn't think there was a queue at Mr M but they'd moved it around the other side of the shop, doh 🙄 but luckily it moved quite quickly. I was surpised to see a queue that early as we got there by 8.30am. Once in the shop though it was a nightmare trying to socially distance as they didn't have a one way system and people were wandering all over the aisles in a chaotic manner 😱. I'm glad I wore my mask and gloves! I managed to get what I hope is a week's worth of food. I got a big pack of toilet roll, 2 x wholewheat pasta, 4 x tinned tomatoes, 6 x baked beans, 15 eggs, chicken steaks, 2 x fish fingers, chips, 48 x diet cokes, 6 x four pints of milk, Cheddar and Red Leicester cheeses, 2 x sunflower spread, 3 loaves of bread, 2 x porridge oats, 2 x mouthwash, 1 pack of face wipes, wonky carrots, salad tomatoes, bananas, satsumas, multivitamins, 2 x kefir, mint teabags, 2 x echinacea, frozen wonky berries. It came to £79 which is a lot of money 😳, but then there are four adults in the house and I got quite a lot of stuff. I used DS1's fortnightly keep of £40 to pay for half of it.
DS2 came to the supermarket with me and it was nice to spend some rare time with him 😀. He was after his usual broccoli, cucumber and cold chicken (which is what he seems to mainly eat).
My next horrendous task was to go to the chemist for DS1's medication. I waited in a queue outside in a cold wind for forty minutes 😭. Luckily there was a cute dog with the person in front who provided a little entertainment but I was thoroughly fed up by having to waste all that time queuing. Although it's not really a waste as it will last DS1 a month and he needs it all. I did manage to buy a packet of paracetamols for 40p in B00ts 😀. There were only two packs so I left one for someone else.
By the time we got home and washed the plastic wrapped stuff and put the other stuff in a corner to quarantine, that was the whole morning gone. But hopefully I won't have to go to a shop for at least a week now.
My plans for the rest of the day are to recover from my shopping, empty the bins and put a wash on. I think shopping is so stressful at the moment because it's like a chess game, you're always thinking several moves ahead to try and avoid accidentally getting to close to someone, which is why I feel so exhausted now after shopping 😰. I met someone from school at Mr M and it was nice to chat from a distance. I even enjoyed speaking to the shop assistant in B00ts and it was only to confirm the name and address, which shows how much I miss seeing people 🤣😂.
I hope everyone is having a good Friday and keeping safe 🙂.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 -
Hi HHD
Good to hear that your BL's scan has come through quickly. Speaking from experience of attending this sort of appointment several times over the past few weeks, there doesn't seem to be a massive waiting time for things like this at the moment and when you do get there quite often you're the only one in clinic.
DD needed a script and she usually has it delivered to Mr T's Pharmacy but I rang her surgery and asked if they could send it to our local chemist instead as she's back home. Regardless of that, the thought of waiting in a supermarket queue just for a script sounds horrendous - although I wonder if they have a different queue for pharmacy.
Is your school still working on a rota with staff and when are you back in? Have a lovely day. xx4 -
Thanks TF2 🙂. Yes when BIL went for his x-ray he went in straight away and didn't have to wait, so it will hopefully be the same for the scan.
They may have a different queue for the pharmacy. I only waited for five to ten minutes outside the supermarket, but had to wait for forty minutes outside B00ts for the prescription 😭.
Yes we're still doing a rota at school and I'm on next week but only for lunchtimes.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 MONTHS4 -
I'm feeling very pleased with myself as I've just done twenty minutes of aerobics 🕺 and ten minutes of yoga 🧘♀️. I've been inspired by @Sun_Addict doing Joe Wicks and no end of other exercise 😁.
I decided that I wasn't getting enough exercise and that I should make use of my dvds. I've got a really good Rosmary Conley DVD that has five ten minute sections on it, so I did a ten minute warm up and then another ten minute section of aerobics 🤸♀️. I was so pleased with myself that I decided to do ten minutes of my Barbara Currie yoga dvd, so I did the ten minute all over warm up stretches 🧘♀️.
I'm feeling very pleased with myself and would like to do this every day. It's only thirty minutes out of my day so I should be able to do it and it will stop me putting on weight as I've definitely put on a few pounds since the lockdown began (easter eggs didn't help of course). When I go for walks with DH I'm doing it more for his benefit as we walk quite slowly and keep stopping, although it's lovely to spend time together in nature, it's not really making me fitter. So if I do thirty minutes of exercise to my dvds then that should keep up my fitness levels 😀. It will be good for my mental health too 😃.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 MONTHS8
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