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Finally Debt Free After 34 Years, But Still Need to Live Frugally
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No noticiceable gray yet~~ I thought you were my friend.
Mine is getting worse by the blooming day.
Good news on the paintingI 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.7 -
Your Morrisons shop sounds good BTW.
I must try again to get a slot for delivery.
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 -
beanielou said:No noticiceable gray yet~~ I thought you were my friend.
Mine is getting worse by the blooming day.
Good news on the paintingFinally 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 MONTHS6 -
I've always had very fine hair which no amount of volumising shampoo makes look thicker.
But instead of wasting effort bemoaning my thin locks, I concentrate on the 2 positives: I can wash my hair in the shower each morning and it's dry 15 mins later (!), and although I shall be 70 this year, there's hardly any grey.
One's hair is so much part of a woman's identity, isn't it ?
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badmemory said:Delichon said:He keeps saying he'll shave it off to see what it looks like but after all these years he's a bit worried that he'll look wrinkly and terrible LOL. He isn't normally vain at all so I can't see why he's so reluctant.
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HH, I keep forgetting to ask you how your BIL is getting on with his treatment. Sorry. I know you mentioned that you won't be going there on holiday this summer.7
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You do seem to be cracking through the jobs atm HHoD. It is very satisfying getting annoying tasks out of the way, isn't it?
F x
2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 8.1kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)7 -
You are very busy as usual. It’s surprising what a difference a bit of paint makes to an area.I have saved hundreds too using a clipper to cut dh hair and for many years when ds was younger and at home I did his too. I think it’s the best money saving tool I’d ever bought. It must have given us best part of 30 years before it died last year and I had to buy a new one.....they’d come down in price and I had more attachments for about the same price as my original one. I’m pleased I bought a new one as I did mine last week with the longest setting.....I’ll not be getting the urge to do my own on a regular basis though.
At least you’re getting plenty of time to do your assignments.January spends - £587.587 -
There are lots of videos on YouTube etc about how to cut hair, your own or someone else's. I've learned so much over the years from YouTube although you need to be very selective when choosing which advice and method to follow LOL. Saved myself a small fortune in repairs over the years and kept ancient and moribund devices and appliances going for much longer. Living in a very rural situation it pays to be self-sufficient whenever possible. I've had a look at some of the haircutting advice on there but haven't bitten the bullet and actually done it yet apart from trimming my fringe which I do anyway whenever I can barely see under it. Probably will have a go at the rest soon as I look a real fright at the moment. Good job I'm self-isolating!5
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I worked all day on my assignment yesterday and because it was a shorter one I managed to finish it 😇. So eight done and one to go 🎉🎉🎉. This lockdown has been really useful for catching up with my course. I've also asked my tutor is she can email me my final assignment so I can do it next week while I'm still off school. I didn't have time to do anything else so I just relaxed after that.
More good news is that DH has received his self-employement grant from the government🎉🎉🎉. We calculate it should keep us going for two months if we're careful, as we have the three month mortgage holiday in place.
Despite me sending them meter readings, NP0w£r still insist that our payments should go down to £27 a week from £45 a week. I've decided to send them weekly meter readings as I don't altogether trust their judgement! But it will save us some money in the short term 🙂.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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