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

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  • Fidelia said:
    foxgloves said:
    HHoD - Yes, we noticed that....Mr F said 'When even Jeremy Hunt is sounding reasonable, you know the government has hit rock bottom'. 
    I feel so sorry for Matt Hancock being the Health Secretary during this awful time especially as he was relatively new to the post when the pandemic started.  I still think he's a 'lightweight' though and have very little faith in his ability to see us safely through this if past showing has been anything to go by.  Unlike Mr F, foxgloves,I was always a big fan of Jeremy Hunt as Health Secretary (speaking as a former NHS employee when lots of my colleagues were less than impressed with some of the 'run ins' over contracts etc that they and their unions had with him).  I certainly wish Boris had kept him in post.  I think it was JH who said yesterday that we should close our borders immediately.  Couldn't agree more, can't understand why it wasn't done in the first lockdown.  He also said we should quarantine anyone entering UK in hotels etc, not just rely on them going to wherever they said they would quarantine themselves.  Obviously logistical and financial considerations to this approach  but New Zealand eradicated Covid by having a total border closure, I can't see why we can't try to contain it better even at this late stage.
    A border closure would certainly have contained the virus but it wasn't done.
    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
  • Fidelia said:

    I know I'll have to go to school tomorrow, it's the uncertainty of not knowing if it will be classes of thirty or just key workers and vulnerable children . 
    I haven't managed to read all the way through your diary yet, HHoD (though I will, I promise!), but am curious as to why you have to go in to work if it's just the key workers' and vulnerable children attending. I may have got the wrong end of the stick but I thought you were doing TA cover and still waiting for a permanent post. Can't the school operate safely with a 'skeleton' staff for the next few weeks?  Or maybe a lot of regular staff are having to isolate at home at the moment?  Such a state of flux for all concerned at the moment.  Take care x
    Hi Fidelia. I have a permanent contract as an MTA and will be required to attend every day in order to look after key workers' and vulnerable children at lunchtimes. My TA cover may not be required any more, but it depends upon how many vulnerable/key workers' children will be attending school. As teachers will be busy preparing online learning, TAs may be needed to do face to face teaching. It all depends upon the numbers attending. So I'll have to wait and see what the head teacher decides as to staff that are needed on site.
    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
  • Glad to hear you will still have work to go to HH. Although I agree with the lockdown , the timing was awful for schools. My GKs were in school yesterday , luckily they understand why they can't go again. My DS just rolls his eyes and says Boris we can't do anything and he is the boss 😂. I am busy printing off jolly phonics worksheets for my DGD to do .
    Enjoy your extra time off and keep safe . 
    Life is an adventure, never stop exploring.

  • Fidelia
    Fidelia Posts: 321 Forumite
    100 Posts First Anniversary Name Dropper
    edited 5 January 2021 at 2:56PM
    Must be so unsettling for school staff at the moment, my heart goes out to all of you who are involved in that line of work.  Good luck to your DH, HHoD, that some enjoyable and lucrative work comes in for him soon.  It must be a very unsettling situation for him too but then, self-employment often is at the best of times.  My late Dad ran his own business,  employing a few staff and with premises to pay for and I know what nightmares he went through during past recessions. We only discovered after he passed away that he'd released so much equity from the family home to pay his staff's wages and just generally stay afloat.  Some employees had been with him all their working lives and he felt so paternal towards them. DH was a mix of SE and a PT salaried job.  If the SE work dried up he could often 'up' his hours at the other job so we never really had to struggle too much on that score although we were never 'flush'.  He would rather have just been SE but needs must when we had a large young family. I always worked full time once our youngest started full-time school. Now DH is retired he's thankful that he stuck it out in the paid job that he didn't much enjoy because he gets a company  pension, even though not a full one, and is still able to do his SE bit knowing it isn't the end of the world financially if commissions are thin on the ground (which they currently are!).

    Will your DS be able to stay at home longer than you all expected or will he be part of the phased return?  According to Michael Gove on TV this morning, I think he said students should stay put where they currently are.  Must be a massively unsettling time for students too especially as they're paying so much for very little in return..  Is your son in his final year? I've lost track of where he's up to. sorry.  Sending hugs to all your family, HH0D.  You're  coping so well with your usual cheerfulness and optimism xx 
    New Challenge:  Tilly Tidy as much as possible in 2022.  Running total to 26 Feb: £183.77

    Tilly Tidy to £1200+ by 31/12/2021 Challenge.   
    Final 2021 total: £1313.37 /£1200+     Average £109.45/month 
    J£74.95/F£92.17/M£99.42/A£98.20/M£116.30/J£129.68/J£93.37/A£140.25/S£128.10/O£119.57/N£106.20/D:£115.16
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