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Finally Debt Free After 34 Years, But Still Need to Live Frugally
Comments
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Echoing echoing the others on the good news of your TA cover. 👍
I must agree with you on keeping a 'secret' EF. As you wrote, frugal living is not at all easy (although I have always thought you are an excellent money manager). You made a good point about your OH being not so frugal if he thought there was extra money in the pot so the secret stash is a good idea!😀Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”6 -
Another one really happy for you in keeping the TA cover, HHoD.
My God-daughter is a teacher and she said that, in addition to vulnerable children and the children of key workers, they are now having to take children who don't have home access to a laptop or tablet and are missing out on online learning. I think the additional groups also include children from large families where the parent can't cope with home-schooling. At this rate there'll be almost as many in school as before the lockdown. Defeating the purpose of closing schools really.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:£115.168 -
I never tell Mr SA how much there is in savings, he’d want to spend it all. Not that there’s a lot to spend it on at the moment, but he’d find something.
I saw quite a few children going to school this morning, more than I thought.I get knocked down but I get up again (Chumbawamba, Tubthumping)6 -
Hope it’s gone well today.January spends - £587.586
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beanielou said:Great news on the TA coverSunshine_girl2 said:Pleased to hear the TA cover is carrying on , and that there are small numbers of pupils in school. Masks are great in Winter they keep your face lovely and warm.Sun_Addict said:Fantastic news about the TA cover and a load off your mind 👍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 -
Seasidegal58 said:Echoing echoing the others on the good news of your TA cover. 👍
I must agree with you on keeping a 'secret' EF. As you wrote, frugal living is not at all easy (although I have always thought you are an excellent money manager). You made a good point about your OH being not so frugal if he thought there was extra money in the pot so the secret stash is a good idea!😀Fidelia said:Another one really happy for you in keeping the TA cover, HHoD.
My God-daughter is a teacher and she said that, in addition to vulnerable children and the children of key workers, they are now having to take children who don't have home access to a laptop or tablet and are missing out on online learning. I think the additional groups also include children from large families where the parent can't cope with home-schooling. At this rate there'll be almost as many in school as before the lockdown. Defeating the purpose of closing schools really.Sun_Addict said:I never tell Mr SA how much there is in savings, he’d want to spend it all. Not that there’s a lot to spend it on at the moment, but he’d find something.
I saw quite a few children going to school this morning, more than I thought.milann said:Hope it’s gone well today..
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 -
My hope for my savings is that while I'm working full time I can save £200 a month, then in ten years time when I retire I'll have £24,000 saved up. This could help us to move house, or to live a bit better in retirement. This all depends upon me working full time and DH earning enough for me to be able to save that amount, but in theory it's possible.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 -
School is fine but I'm still getting used to wearing a mask all day 😷. I think I need more than one mask as wearing a mask in the classroom, the playground and the canteen are very different environments and the mask can get moist with my breath. So I think I should wear a different mask at lunchtime at least. Most staff are wearing their own fabric masks, but I wonder if the medical ones that school has a stock of would give better protection from the virus? School is a bit less interesting with fewer children as the usual mayhem doesn't exist, but I'm very grateful that I'm still getting my TA cover and the extra money, so I'm not complaining 🙂.
I do want to be as frugal as possible as I don't know how long my cover will last. For example, now that it's so cold in school and I'm wearing a mask all day at school I was tempted to order some more masks and vest tops, but then I had second thoughts and decided that I would make do with the ones I've got and save the money. It's easy to spend money without thinking, but I want to scrutinise myself when I get the impulse to spend and think, do I need this or just want this? Even if I think I need this then could I manage without it? Or find an item I already own that would serve the same purpose? Or buy a cheaper version of this item?
This morning I had to go to Mr M again unbelievably 🙄. It's DS2's birthday next week so I needed to get him a birthday cake 🎂, a card, some chocolates 🍫 as part of his present, plus we were running out of fruit 🍌🍊 and some other items. Apart from that I've emptied all the bins in the house and done two loads of washing. I've also spoken to my sister on the phone for about an hour.
I can feel now that I'm back at work that I'm feeling much more tense 🤔, so I need to try and find a way to feel more relaxed and laid back about everything. I'm not too sure how to do this, but I just need to remind myself that when I'm at home I'm allowed to relax and I don't need to worry all the time about lilttle things like the house not being spotless.
I hope everyone is having a fun and relaxing 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 MONTHS6 -
I've been reading news reports today about more infections, hospitalisations and deaths due to Covid 😞.
While I was in Mr M a man totally ignored the queues and went up to a till, I told the shop assistant who was managing the queueing that he'd pushed in and she asked him to go to the back of the queue. She also asked him to pull his mask over his nose as his nose was sticking out. She told me that they're now allowed to tell customers to wear their masks properly and can refuse to serve them if they won't, so I said good 👏 . I wish more shop staff would enforce the rules like that. Mind you I saw the same man on the way out and his mask was under his nose again 😡 .
It makes me so angry that people like this are causing the virus to spread more widely 😡.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 agree Hairy, a lot of people are doing their own thing and it is really annoying me too.
I like how you have planned for retirement. I do hope you are able to save that amount for your retirement. xSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x6
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