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Finally Debt Free After 34 Years, But Still Need to Live Frugally
Comments
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doingitanyway said:HH may I ask how you are topping up your mobile? I think we have the same contract. Maybe you are phoning in and using a debit card? Thanks.
I hope that's helpful.
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 -
HairyHandofDartmoor said:doingitanyway said:HH may I ask how you are topping up your mobile? I think we have the same contract. Maybe you are phoning in and using a debit card? Thanks.
I hope that's helpful.
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) 25/0720255 -
I'm not sure what my mum.would do. Both me and my sister live within 2 miles!September 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x4 -
I'm not sure what my mum.would do. Both me and my sister live within 2 miles!September 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x4 -
Nicnak said:I'm not sure what my mum.would do. Both me and my sister live within 2 miles!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 -
Just another interesting NI tweak which may be of use to someone, particularly an early retiree. If you look after grandchildren & both parents are already getting NI credits from employment, then you can have their child benefit credits.
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badmemory said:Just another interesting NI tweak which may be of use to someone, particularly an early retiree. If you look after grandchildren & both parents are already getting NI credits from employment, then you can have their child benefit credits.
.
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 wouldn't start worrying about the return to school just yet if I were you ,HH. It's perfectly natural that you should but to be honest I don't think it will happen, not as soon as June 1st at any rate. There seems to be so much disagreement among teachers, trade unions, MPs, parents and just about everyone else about it's feasibility at the moment. Scotland, NI and Wales aren't willing to reopen as soon as June 1st either which should give some message about it's absolute unsuitability to the powers that be at Westminster.5
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Westminster certainly don’t take any notice of what we do.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.5 -
Well I've been emailed four documents from school today and all staff are required in school every day from 1 June. The school is offering parents one day a week for their child, as the head teacher is only willing to have six reception children and eight year one children per class in order to maintain the social distancing. I think she's quite right because we couldn't possibly do social distancing with fifteen children in a class and the government live in a fantasy world if they think otherwise 🙄. I'm not sure how many parents will want to send their children for just one day a week. It's not exactly going to help them get back to work is it? Key workers children will be cared for as normal so they can come to school every day.
It's pretty much what the head teacher hinted would happen. There may be an opportunity for me to do cover TA work if any staff are off sick or shielding. But if not many children take up the offer then they will have enough staff and I'll only be needed for lunch times.
I looked after nine key workers' and vulnerable children today and it was all I could do to keep them apart 😱. I was constantly yelling "Move away from so and so!" and "You're too close to each other, move apart!". It's really hard for infants as they love being together and it's really difficult to keep telling them they have to be apart from each other 😢.
Anyway I have two weeks off now 😁 and I need to make the most of it. So I want to do my last two assignments, sand and paint the garden bench and carry on with the general spring cleaning in the house. My tutor has marked my latest work and I'm up to 69% completed now, so I'm getting there 😀. I think my observation will have to be based upon last years though because schools are unlikely to want volunteers or tutors in school as they want to keep contact to a minimum.
I hope everyone is having a good Friday 🙂.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 MONTHS7
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