📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

Finally Debt Free After 34 Years, But Still Need to Live Frugally

1141914201422142414251551

Comments

  • I love the thought of you squirreling money away for future contingencies - very ML !

    I'm sure you will be very relieved to see the back of Np££er and find a more reasonable provider.

    I assume it was thought your tricky pupil could cope in a mainstream school, but it does make a lot of extra work for everyone. One can only hope that time and effort will help him 'normalise' or he may find the other pupils becoming less tolerant . I am sure you are doing as well as anyone could expect, and every positive interaction with him is helping.

    DH and I, DD1 & DSIL, and DD2 are all spending Xmas separately. What with high tiers and uncertainty it seemed best. I had a little weep about it all this morning (probably not the last time!), but it is what it is. We are taking a Xmas Eve box round to DD2 on the pretext of exercising the car to prevent the battery failing yet again, so she will have Xmas pyjamas and a basket of nice fruits. We all intend to photograph our Xmas lunches to share, and open presents via Zoom., making the best of what has been a dismal year for families not living together. 
    I'm sorry you can't see your DC at Christmas Elizabeth. Can you meet up for a socially distanced outdoor walk with them? Or do they live too far away. Could you meet up in the middle somewhere for a walk or freezing picnic?
    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 MONTHS
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 28 November 2020 at 1:28PM
    I remember my mum collecting Green Shield stamps and Cwop shop stamps and my sisters and I used to love sticking them in the books for her 🙂. Thanks for the tentacled energy provider recommendations. I'll definitely go through the MSE energy club to switch.

    It was really good having a leisurely breakfast this morning instead of a mad rush watching the clock. I've put my work clothes on to wash and I've put two sets of lights on the big Christmas tree and decorated it 🎄. This took all morning can you believe but it does look really festive 🎅. I've remembered that the tree was actually worth £14 but we only paid £5 due to our Mr T tokens. Our tree lights are 17 years old and so is the tinsel so it's a very MSE tree 💷, but we do have some lovely and individual baubles that we've collected over the years. 

    I still need to assemble the small kitchen tree and decorate it, put the charity shop wreath on the front door and put a few other bits and bobs around. We never got around to taking down our porch lights so all we need to do is switch them on. I'd like to upgrade our tree, lights, etc, one day, but not this year as they're good enough and I do worry about economic storms ahead so I want to have a frugal Christmas. 

    I hope everyone is having a good Saturday so far  🎅.
    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 MONTHS
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.5K Banking & Borrowing
  • 253.3K Reduce Debt & Boost Income
  • 453.8K Spending & Discounts
  • 244.5K Work, Benefits & Business
  • 599.7K Mortgages, Homes & Bills
  • 177.2K Life & Family
  • 258K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.