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Finally Debt Free After 34 Years, But Still Need to Live Frugally
Comments
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Yes we’ve been told staff can change bubbles.....our bubbles are 60 - a year group. So we could be in several bubbles a day. I’m pleased I’m not in tbh.January spends - £587.587
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Glad you enjoyed your time with DS. It's also nice that you will be getting the house done.
Have a good weekend."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 McGee4 -
Nicnak said:deThe weather does seem to have got a lot colder in the last few days. I am already getting out my jumpers and thinking about washing my hats to freshen them up.
It's hard when you are mixing bubbles. We are mixing them at work with a few staff moving from different centres. It's so hard and I don't see an end to it at all yet. x. It must be harder not to mix bubbles with secondary school children.
Sun_Addict said:The weather has been cold here too 😩 I saw some newbies going to the infant school at the end of my road and they were so cute and tiny. Must be hard getting them to understand what’s going on.. They are very cute but do need patience to deal with.
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 MONTHS6 -
milann said:Yes we’ve been told staff can change bubbles.....our bubbles are 60 - a year group. So we could be in several bubbles a day. I’m pleased I’m not in tbh.jwil said:Glad you enjoyed your time with DS. It's also nice that you will be getting the house done.
Have a good weekend.. I haven't heard back from the builders yet, although it was only Tuesday when I texted them I suppose. I am looking forward to getting the work done. I'm fed up with having the scruffiest house on the road!
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 -
Yesterday was so busy, thank goodness it's the weekend 🎉. I was at school all day and in charge of the class on my own for part of the afternoon 😱. I'm glad the teacher trusts me and it's very good experience, but it's exhausting! Then after school I finally had my hair cut 🎉 and then nipped to Mr M to buy a few bits. By the time I got home I was so tired I could hardly stand up and kept knocking things over because I was so tired 😟.
Before school I knocked half a cup of tea into my handbag 😱 because I was tired and distracted. DH decided that while I was getting ready for school was a good time to update my G00gle account and was asking me for my password 😡, so I said "I don't know what my password is, do you have to do this NOW?" Anyway I'm glad it's updated but DH's timing sucks 🤣.
I've felt really cold for two days too as all the doors and windows are open because of the virus and there's been a really cold wind blowing through the school 🌬. Because of my allergies I have to wash my winter clothes before I can wear them and I haven't had time as I've been so busy, so I've been shivering in my summer clothes 😨. So today I've washed three blankets and lots of long sleeved tops for school.
I've also ordered three cardigans from MnS. I need to wash all my clothes every day because of the virus, so I wanted some cheap acrylic cardigans that can cope with repeated washing. I ordered black, navy and coral which should go with most of my outfits. There were £19.50 each but I got a small payrise which was back dated to April 🎉🎉🎉 and so my back pay will cover the cost of the cardigans. I just hope I like them when I see them and that they fit me. I prefer to buy clothes in real life but couldn't face going into town this morning and if I'm not allowed to try them on it seems a bit pointless buying them in the shop. This is the first time I've bought clothes since the virus so I've been very good lately and I'm only buying these so I don't ruin my better quality cotton and wool cardigans with daily washing.
I'm really pleased that I've managed to have my hair cut 🙂 as I reckon it's been about nine months since I last had a trim 🤔. I had so many split straggly ends and it was all out of shape so I felt like a right scruff. I feel much better now as you can't beat a professional hair cut. It felt weird having my hair cut wearing a mask and the hair stylist had on a mask and a visor. I had to fill in my details for test and trace so I hope I don't have to self-isolate, but I was only close to two people so I suppose it's a relatively small risk.
DH and I managed to have coffee ☕ in the garden this morning for the first time in over a week 🙂. It's either been raining or we've been too busy. It was cool but sunny 🌞 and we did a bit of weeding and deadheading while we were out there. I also archived some pots under our bench which had summer flowers that have gone over and got out some pots with bulbs in and chrysanthemums which look like they may start to flower soon. My cylamen are starting to come into bud too, so we should have some autumn colour in the garden. I'll buy some winter flowering pansies too when the geraniums finally finish flowering, plus I have some daffodil bulbs to put in a pot 🌱🏵🌻🥀.
I feel lucky that we dont have any special virus restrictions where I live at the moment. Our rates have gone up but not to levels that will worry the government yet. I feel sorry for people that live in Leicester and have never really come out of lockdown. I just hope DS3 can come home for Christmas. I'm still missing him. I hope that we'll all be safe over the winter. It's a bit worrying that this is our first autumn and winter with this new virus as we dont' really know how things will play out. If only people were better at social distancing 😡.
I hope everyone is having a good Saturday 🙂.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 MONTHS9 -
Good to see soon.Have a relaxing weekend.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 -
Thanks Beanie 🙂.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 -
It’s good to hear you sounding so positive and enjoying your garden 👍 I hope you manage to get some relaxation time this weekend. I’m also grateful for not having had a local lockdown yet.
Enjoy your weekend.I get knocked down but I get up again (Chumbawamba, Tubthumping)6 -
Certainly makes me wonder what Christmas will look like this year😳.....January spends - £587.586
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I hadn't even thought of Christmas xSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x6
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