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Finally Debt Free After 34 Years, But Still Need to Live Frugally
Comments
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Have a lovely time having DS3 home"Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee5
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Enjoy time with ds.Pleased you’re enjoying being back at school.January spends - £587.586
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Hope all is going well at school, and that the good weather makes the organisation a fraction less stressful.5
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Hope all is well 👍January spends - £587.585
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Missing you hairy x6
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beanielou said:So pleased you have DS3 hometeafor2 said:Hi HHD, I can feel your joy that DS is home
The house he's in sounds perfect and hopefully there'll be no leaks onto his bed this time. I'm sure all boys have the nocturnal gene of hamsters lol. £100 sounds really good for petrol, food and getting to have DS home with you
My laundry basket is overflowing. I'm hoping for a break in the constant drizzle tomorrow so I can get some washing and drying done. Glad you've settled in at school. Hopefully some more TA sessions will come up and you'll pick up a couple more days. Do you mind me asking if you get paid as a TA3 now you've qualified. I have a couple of friends who have the TA3 qualification but the school only pays them at a TA2 rate and apparently some are paid at a TA1 level. Fingers crossed your DH's business will pick up again soon. Have a lovely time with all your boys. xx. I actually have no idea what rate I'm paid. Well, my overtime form says MTA rates but they've asked me to put an extra hour a day on my timesheet when I claim for TA cover, so maybe that raises my pay up to TA level. I don't know how much the TAs at my school get paid. I get the impression they get less than £1000 a month.
Onebrokelady said:Yay to having DS3 home at last, you sound so excited and happy 😊what a stroke of luck for him and his housemates to get a good deal on their house 😀Nicnak said:Sounds like you're going to have a lovely time all together now.
Enjoy DS3 being home! XFinally 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 -
jwil said:Have a lovely time having DS3 homemilann said:Enjoy time with ds.Pleased you’re enjoying being back at school.elizabethhull said:Hope all is going well at school, and that the good weather makes the organisation a fraction less stressful.milann said:Hope all is well 👍BalanceBy50 said:Missing you hairy x
. Sorry I've been awol. I seem to have been really busy juggling school with having DS3 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 MONTHS5 -
I really enjoyed having DS3 home for two weeks 😁. He did spend some days mostly in his room but he went on two afternoons out with us, an NT place and lovely coastal walk where we had lovely weather 🌞 and he seemed to enjoy it 🙂. His visit flew by and we dropped him back at uni on Saturday. He seemed to enjoy seeing us, but said he'll only come home for two weeks at Christmas because he thinks it's bad for him to be away from his friends for too long. It's better than nothing anyway. I felt quite tearful on the journey home after dropping him back at uni as I'd enjoyed having him home so much after not seeing him for seven months 😥.
We felt exhausted on Sunday so just rested and I still felt quite sad and melancholy about DS3 not being here 😥. But school on Monday took my mind off it, particularly as it was a particularly hectic day. The reception children started school properly this week after their introductory sessions and it caused total chaos at lunchtime as they ate so slowly 😱. We can't mix the bubbles so a whole year group has to leave the canteen before the next one can enter it, which slows things down no end if you have slow eaters.
I was only in at lunchtime today but things went more smoothly. It rained part of the time and many of the children didn't have coats but they stayed outside in the rain as the head says it's safer for them to be outdoors 💧🌧. Most of them didn't seem to mind and I'd rather be outdoors, luckily I remembered my coat 🤪.
It's going to be payday on Friday which is just as well as we're very short of money. DS3 should be able to give us back the money we lent him over the summer when his loan comes in which will help. DH and I need to concentrate on working now and not spending.
My Mum's old house has sold now which is sad, but stepdad has said he will pay to have our house re-rendered and painted with some of the money. I'm not sure if he means just the front, or the front and back (both need doing) but I've asked for some quotes for both and then he can decide how much he wants to spend. It will be nice when it's done as the house will stop getting damp when it rains and the wallpaper will stop peeling off because of the damp.
I'll try and post more regularly now I'm back in my routine.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 -
Good to hear from you, glad all is ok and you enjoyed your time with DS3 😀I get knocked down but I get up again (Chumbawamba, Tubthumping)6
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Good to hear from you Hairy - I was getting worried.It sounds as if ds enjoyed himself.How lovely to get your house done - it’ll make a big difference to the damp.
Good luck with the newbies in reception - it’s a shock to the system when they first start. It’s amazing to see how they come on in that first year.January spends - £587.586
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