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Finally Debt Free After 34 Years, But Still Need to Live Frugally
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I was planning on a walk first thing but it was pouring with rain 🌧💧. But after breakfast the rain stopped so I went for a brisk forty minute walk in the park 🌳. It was quite bright at first, but then it got cloudy and I was caught in a heavy rain and hail storm on the way home🌨 ☔ ! Now I'm at home drying off the sun has come out ☀️! Anyway I saw some lovely blossom trees in the park and a field full of buttercups so that it had a yellow sheen, so I enjoyed my walk despite getting wet at the end.
I've got a long list of jobs around the house to do today. The main ones are cleaning the toilet window and frame, and cleaning and tidying the vestibule.
I'm expecting news of my BIL from the hospital today so I feel quite tense. But the walk helped and I'm going to keep myself busy with jobs until I hear some news.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 -
Nothing worse than waiting for news. Hope it’s better than expected 🙏I get knocked down but I get up again (Chumbawamba, Tubthumping)4
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HairyHandofDartmoor said:Yesterday I worked from 10am until 4pm with half an hour for lunch on my assignment. I finished it and uploaded it 🙂. So six assignments done and three to go 🙂. Then I did twenty minutes of my aerobics dvd 🤸♀️ and ten minutes of my yoga dvd 🧘♀️ to unwind.
I didn't have time for anything else really, but it felt like a day well spent as I was working on my career and looking after my physical health.4 -
Sun_Addict said:Nothing worse than waiting for news. Hope it’s better than expected 🙏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 MONTHS2 -
Delichon said:HairyHandofDartmoor said:Yesterday I worked from 10am until 4pm with half an hour for lunch on my assignment. I finished it and uploaded it 🙂. So six assignments done and three to go 🙂. Then I did twenty minutes of my aerobics dvd 🤸♀️ and ten minutes of my yoga dvd 🧘♀️ to unwind.
I didn't have time for anything else really, but it felt like a day well spent as I was working on my career and looking after my physical health.
I think the course officially ends at the end of June. The last tutorial should have been the end of April and then there's a couple of months to complete assignments and do observations, etc, if not already done. The tutorials are cancelled because of the virus of course, so my tutor is emailing the assignments and notes to the students. I've got three more assignments to do, a couple more telephone discussions (which she records for the record), a few other bits of work for me to do (like fill in a risk assessment) and a second observation. Luckily she did my first observation last autumn term. But as schools may not open fully before next autumn she may have to base the second observation on my Level Two one, in conjunction with a telephone discussion.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 -
Throwing it down here and as dark as the middle of winter !
Could you please remind me what your qualification will be ? (I know you've said before).
You will certainly have earned it with all the hard work you've put in.4 -
elizabethhull said:Throwing it down here and as dark as the middle of winter !
Could you please remind me what your qualification will be ? (I know you've said before).
You will certainly have earned it with all the hard work you've put in.. My qualification will be an NVQ Level 3 Diploma, which will be the equivalent of an A'Level. I've already got an NVQ Level 2 Certificate, which is the equivalent of GSCE.
I already have three A'Levels and a history degree but these are my first vocational qualifications.
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 thinking of you today Hairy while you are waiting for news, the waiting is awful 😟
It's been chucking it down here today, I was supposed to go to mum and dads to drop some bits off but I text them earlier and said I will do it on Saturday when it hopefully won't be raining and since then the sun has come out,I bumped into a neighbour while I was out with B earlier and she said it's meant to be raining again this afternoon, I got caught in a shower when I took B out but typically when I got home it stopped again 🙄Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8944 -
Onebrokelady said:I'm thinking of you today Hairy while you are waiting for news, the waiting is awful 😟
It's been chucking it down here today, I was supposed to go to mum and dads to drop some bits off but I text them earlier and said I will do it on Saturday when it hopefully won't be raining and since then the sun has come out,I bumped into a neighbour while I was out with B earlier and she said it's meant to be raining again this afternoon, I got caught in a shower when I took B out but typically when I got home it stopped again 🙄
Our weather is bonkers today too. It's been a mixture of showers and sunny spells since I got soaked in the hail shower in the park 🙄.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 MONTHS3 -
Thinking of you waiting for news. It is good that you have been working so hard on your qualifications and getting that assignment done. It will be a huge weight when it is complete xSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x5
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