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Finally Debt Free After 34 Years, But Still Need to Live Frugally
Comments
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teafor2 said:Morning HHD
Hope your first day back goes well and you enjoy the change of scene and company. There'd be no chance of me talking to DS at 2pm lol but I hope yours is awake and ready for a chat. Have a lovely day. xx
. He suggested the time and was awake in the daytime yesterday, but today who knows!
beanielou said:Missing social contact too.Hope DS3 is awake for the video chat.. Video chats are nice and I'm looking forward to seeing his face and hearing his voice, but aren't a patch on seeing people in real life.
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 -
Hope school goes well today HHOD xx
Mummytogirls x5 -
mummytogirls said:Hope school goes well today HHOD xx
.
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 -
School was fine today but I think I've got very unfit in my two weeks off! I walked there and back and had to get heavy trikes in and out of the shed and up and down a flight of stairs as I was on my own with the children, so I felt really tired when I got home 😴. There were double the number of children to last time I was there 😱 which made it more challenging to socially distance them. I also had to remember which ones are siblings as they are allowed to play together 🤣. I'm going to divide the playground into three sections tomorrow to make it easier to keep the children apart. It was good to see some of the children again and it was nice to have an excuse to get out of the house and to chat briefly to some adults during handover. I also met a staff member on the way home who's off this week and we chatted for about ten minutes at a safe distance.
I do worry about bringing the virus home though ☹. I changed as soon as I got home and will wear different clothes every day. One of the teachers said she uses a cloth bag instead of a handbag for school so that she can wash it in the washing machine every evening and that she wipes down all the contents of her bag when she gets home. She also wears crocs so she can wash them every evening. I wiped my handbag and contents over with an antibac wipe and sprayed my shoes with antibac spray. I can't wash my coat every day so I put it into a carrier bag as soon as I got in the door.
I had a video chat with DS3 at 3pm for an hour 😀. It was really nice to see his face and to hear his voice, but I wish I could see him in real life. I feel really tired now so I'm going to cook something easy tonight, unless I can persuade DH to cook 😉.
I hope everyone is having a good day today 🙂.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 -
Crocs and a canvas bag are both good ideas.
Glad today was ok. Hope you manage a relaxing eveningIf 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) 25/0720256 -
doingitanyway said:Crocs and a canvas bag are both good ideas.
Glad today was ok. Hope you manage a relaxing evening. I don't own any crocs so I'll have to keep spraying my shoes, but I'm going to adopt the cloth bag idea instead of using my usual handbag.
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 -
Glad you've had a good day back."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 McGee5
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Good to read your first day back went well. Have school upped their staffing levels to cover more children? It sounds busy and a hard job to control social distancing if you're on your own. I think the cloth bag and crocs are a brilliant idea. I suppose it's all about minimising the risk so every tip helps. Glad you got to chat with DS. xx5
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Good idea on the cloth bag.
I have a spare one I can pop in the post?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.6 -
The exercise dvds sound good. I bought a couple from the charity shop a while ago - put them on the shelf and have dusted them down a couple of times.....I couldn’t even tell you exactly what dvds they are - but it seemed like a good idea at the time.I’m glad you got to chat to ds. Like you say it’s not the same as seeing them in real life.
How many children did you have in - are they all together or in year groups. We’ve had a KS1 and then mixed years 3&4 and 5&6. We’ve had mainly teachers in though with an occasional TA if there’s been the numbers to warrant it. No dinner time staff other than the cook. The teachers have covered dinner times on a rota system. I’m available now but haven’t been asked to go in....we are doing work at home. Which is quite enjoyable actually - as long as the technology behaves itself 🤞🤔🤪January spends - £587.587
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