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Finally Debt Free After 34 Years, But Still Need to Live Frugally
Comments
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Nicnak said:Glad you managed to get the discount.
Hopefully youre able to relax in the evenings xbeanielou said:Glad that you got the discount that you are entitled too.Good news on the wee lad.doingitanyway said:Well done for pushing back at the supermarket. Result!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 MONTHS3 -
foxgloves said:Really glad you got your discount, HHoD & that the class wasn't as troublesome as they were last time. I think I must have an enquiring mind like that young lad because when I read about him trying to cut up his chalk with scissors, I found myself wondering 'Do scissors cut chalk?' 'Would it cleanly cut in two or would it flake everywhere?' i smiled at the sums in the wrong book. If I'd come back from tge toilet & found all those sums done in my book, I'd have wanted to keep them! (but maths was never a strong subject for me, to be fair!)
F x. The girl was very indignant about her book being written in 🤣 .
Sun_Addict said:It’s the same for me at Boots. I get a free eye test and VDU glasses courtesy of work. No one ever knows anything about it or has ever seen the forms before 😕 Had to laugh about the boy doing sums in the wrong book. How do you manage to keep a straight face 🤣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 -
I had a good day at school today 🙂. It was pleasant and sunny all day and lunchtime was fairly uneventful apart from a girl getting her knee stuck in the fence 🤣. The difficult boy was badly behaved in the classroom and scratched a girl's leg, hurt the teacher's hand and did something to two other childen too 😱 , but it all happened when I was outside the classroom with various children luckily for me 😁.
Our last day of freedom before lockdown 😭, but I've discovered that NT gardens and toilets will still be open so that's one silver lining in the cloud 🙂. It won't make any difference to my lifestyle over the next four weeks anyway; I'll just go to school, come home and go out to buy food as I normally do. As long as it doesn't last over the Christmas holidays as that would upset me 😠.
Most of my Christmas shopping will be online anyway and I tend to buy a lot of vouchers for people. I don't have a single present yet 😦 and I can't afford to buy any until next payday after paying out so much for the car to get through the MOT 😩. I did buy a tub of R0se3s the other day though so I've made a start on the Christmas food 🎄 .
I hope everyone is having a good Wednesday and that lockdown won't affect them too badly. I feel very lucky that I live with DH and two of my children so that I don't have to suffer loneliness, and that I can still earn money (as long as schools are open).
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 -
Lucky old you being out of the class when the mayhem was happening!🤣
Good news on the NT gardens staying open. I know how much you enjoy these and they will be good places to visit during this lockdown. 😀Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”6 -
Fab news on the NT.
Just do research before you buy vouchers.
I am switching to £££'s this year for DS & GF. Which goes against the grain but............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 -
That’s good news on the NT properties- for both you and them. I’ve been saving all year for my Christmas pot, it has now been released into the wild. Lockdown won’t make a massive difference to me either, just won’t be able to see DS and the GKs, hopefully Christmas will be saved 🤞I get knocked down but I get up again (Chumbawamba, Tubthumping)6
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The things that happen at your school do make me laugh !!
I'm glad about the NT properties. Perhaps DD2 and DGS will go using the membership I bought them. Of course I now won't see them till December. We go nowhere and see practically no-one - it's a very strange life. The newspaper calls it 'social starvation' = an apt term.6 -
I hope the NT places do stay open over Christmas to ensure that people are able to visit but our local one becomes extremely busy on boxing Day so think they might continue with bookings to stop this.
XSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x6 -
I'm glad school is going well for you, and good news about the NT gardens staying open too.
That's a good point from Beanie about vouchers actually - who knows who is going to survive this, we keep losing big names, and January is generally a busier time for it isn't it. Thanks for the reminder."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 -
I agree about vouchers. I got stuck with £55 of Principles when they went. I got a massive couple of pounds back from the liquidator. I did put a claim in but most people don't.
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