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

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Comments

  • My headteacher has gone against BoJo and only invited year 6 and keyworkers back! The LA have backed it and we just have to wait to see if we have a backlash from the parents. Its ridiculous isnt it!!!!! xx
    Well I can see why MTG. I think our HT will go for it, but with only 6 - 10 per class not the fifteen the government suggested. It's still being worked out though. I don't know how the parents will react.
    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
  • Great news about getting full pension - that will be such a relief.
    Here's hoping Npower are right and you are in credit - you seem to have paid them a fortune !!

    What a lot of work at school, I bet they are REALLY glad you're there - reliable, conscientious and committed to the children's well-being. They (and the children) can always tell if the staff are in the right job.

    Thank you Elizabeth 🙂. How are you?
    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
  • milann
    milann Posts: 11,500 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I hope the energy prediction is right and that the payments go down for you. 
    I’m pleased that you managed to get some help at lunch time. I’m still amazed how the different authorities work. Are you in all week?
    January spends - £587.58
  • foxgloves said:
    Interesting about the pension info, HHoD. I won't get a full state pension because I didn't go back to work following my decision to take VR during all the endless rounds of austerity cuts. The 'buy back' cost of national insurance years was higher than we could afford. But I think I need to look into which years qualify for state pension because like you, when I looked online at the forecast, the figures came out at more qualifying years than I thought I'd got. I must sit down with all my pension info & get a bit more familiar with it. Thanks for mentioning it, as this has served as a reminder.
    Re the energy company.... I don't know how they can have worked out you have overpaid unless your readings are collected remotely by smart meter. Or unless they have made some kind of error, such as when they failed to give customers their dual fuel discount for two years running. I hope it's true & they owe you money.
    F x
    It's certainly worth looki g into the NI stuff Foxgloves. I had a pleasant surprise.

    We don't have smart meters so they're just estimating and are probably wrong! I've submitted readings so they'll probably change their minds 🙄.
    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
  • Nicnak said:
    My DD's headteacher sent a heart felt letter basically saying she can't Keep reception and year 1 safe as they can't socially distance and she won't fine anyone who doesn't return their children. It was a nice letter and one from the heart x
     
    That's interesting Nicnak.
    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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