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Finally Debt Free After 34 Years, But Still Need to Live Frugally
Comments
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HH well done on getting all your assignments done , must be a relief now it's nearly finished .I have to disagree with Delichon, I think if you have already been in school with 17 children then being in a bubble with the same children everyday must surely be better. That is of course if your school is doing the bubble way. The same children everyday in the same classroom with the same teacher and TA , then the same lunchtime supervisor . My DGS School have segregated the playground so the bubble of children are together outside. I understand the staff have Been asked to wear different clothes everyday. The rules go on and on , I will assume that you have done your own risk assessment how being in school will affect you and your family. If you feel that you are more at risk after being back a few days I have no doubt that you would raise this and go back to doing your lunchtime job. I hope you get a chance to meet up with DS3 at some point before the summer is over even if that means meeting up halfway between university and home.Common sense is what people need to use , plus I notice in your part of the uk there have been really low case number compared to where I live.It will be interesting to read how you feel after a few days of being back.I hope you get your jobs done , so you can have Sunday off.Life is an adventure, never stop exploring.7
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I don't have much to add to the debate but I'm pleased your school has the sense to offer you the TA work. Also, well done for getting the assignments done. I could learn a thing or two from your work ethic.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) 25/0720256 -
Also have to say that I disagee with Delichon.
I am more than sure you have weighed up the pros & cons.
Also you will be going to school to do your lunchtime tasks.
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 -
I disagree too, you have been going in to work anyway so what difference will doing this make.You have assessed the risk and come up with a good plan to decontaminate yourself. I think you are at less risk catching it in a well managed environment than you are going out to the shops to be honest, also we have been very lucky down here to have a much lower infection rate than other places. Finally money isn't everything if you have got enough of it to live on, but if you haven't then it becomes everything you worry about. If it turns out to be not very well managed you can always change your mind and let someone else do it xxx
Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8945 -
And if you're going in for lunchtimes anyway, staying for the extra time to do the TA work probably won't make that much difference. Scrupulous hygiene and not touching your face are the most important things - and hopefully you'll be in a position to instil that into the children too!7
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Thanks everyone for your viewpoints. It's really helpful
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I've already said that I'll do the TA cover so I'll see how I get on. I'll be going to school every day anyway to do my lunchtime job, so it means I'll be there for longer that's all. I think whilst the risk exists it's not a huge risk as I'll be with a small group of children every day (probably the same ones I'll be supervising at lunchtime but in a smaller group). None of the staff want to catch the virus and the headteacher seems very aware of the dangers. So I think that stringent social distancing and hygiene measures will be put in place. This virus could be around for the long term, so we all need to take managed risks as we can't stay at home for ever.
DH had a one off grant from the government to cover three months. There is no guarantee that it will be renewed for another three months. So we do need me to be earning money.
Obviously I don't want to infect DH, but we can't all stay at home for ever and a vaccine may never be found. I think the future is going to be about managing risk, as we do every time we drive.
I reckon the most dangerous time for me was that last week at school before lockdown, when I was with 30 children in the classroom and 90 children at lunchtime and no social distancing or extra hygiene measures 😱.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 -
I agree.
Managing risk going forward is really what it is all about as you sayI 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 -
HairyHandofDartmoor said:Thanks everyone for your viewpoints. It's really helpful
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I've already said that I'll do the TA cover so I'll see how I get on. I'll be going to school every day anyway to do my lunchtime job, so it means I'll be there for longer that's all. I think whilst the risk exists it's not a huge risk as I'll be with a small group of children every day (probably the same ones I'll be supervising at lunchtime but in a smaller group). None of the staff want to catch the virus and the headteacher seems very aware of the dangers. So I think that stringent social distancing and hygiene measures will be put in place. This virus could be around for the long term, so we all need to take managed risks as we can't stay at home for ever.
DH had a one off grant from the government to cover three months. There is no guarantee that it will be renewed for another three months. So we do need me to buy earning money.
Obviously I don't want to infect DH, but we can't all stay at home for ever and a vaccine may never be found. I think the future is going to be about managing risk, as we do every time we drive.Life is an adventure, never stop exploring.7 -
Another factor is that DH isn't even in a high risk group officially as he hasn't had a letter from the government telling him to shield. He's in a moderate risk group, and according to the risk assessment I filled in for school if he worked at my school he'd be expected to go to work! It's just lucky for him that he's self-employed and is able to stay at home.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 -
Well said Hairy 👍👍January spends - £587.587
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