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

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  • Willowtree222
    Willowtree222 Posts: 8,311 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    I've consumed my body weight in chocolate and alcohol over the festive season, I need to ensure I am not going down the slippery slope of weight gain again!
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Hows your healthy eating gone today HHOD? xx
    Nicnak wrote: »
    I've consumed my body weight in chocolate and alcohol over the festive season, I need to ensure I am not going down the slippery slope of weight gain again!

    My healthy eating was going really well until I remembered we had some icecream left in the freezer from new year's eve :mad:. But that really is the last of the unhealthy food, so no more temptation. I didn't buy any chocolate, cake, biscuits, crisps or desserts at Mr T today :T. I used to spend a fortune on stuff like that.

    So today I had porridge for breakfast, a cheese sandwich and a satsuma for lunch, a banana as a snack, and sausage rolls wiith baked potato and grapes and strawberries for dinner :A. Oh and icecream :mad:.

    It's going to be another AFD though :T.
    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
  • My Mr T shop was over budget today, but the freezer was completely empty apart from vegetables and mince, and we needed laundry powder, bin liners, cleaning wipes and mouth wash etc. So the total came to £87.79 which is not great. I need to do better next week :mad:.

    DH has gone mad but it's a good sort of madness. He's put the arm back on my swivel chair, mended DS1's shelf and put the handle back on my wardrobe :T.

    We also dropped off the air conditioner, floor fan and four rubbish bags at the tip. Then we did some shredding. We have two bags full of shredding, but decided if we do ten minutes of shredding a day we will eat the elephant :T.

    I also got a PA survey and am up to £8 and £2.50 pending :j.

    So quite a successful day àpart from the overspend :).
    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
  • Sun_Addict
    Sun_Addict Posts: 24,514 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like a productive day :) I'm on another AFD too :)
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 96,909 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Well done Mr HHD :j
    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.
  • Yes I hope he keeps this up :D
    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
  • Happy Thursday everyone :).

    Today's plan is more de-cluttering in the office, check for surveys, get work done, and do some laundry. Nothing exciting but all needs doing.

    DS3 is back at college today, but looked surprisingly alert this morning :D.
    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
  • We managed some work and some de-cluttering of papers today.

    In addition we popped out and bought a new lamp shade to replace the one in the kitchen that was tattered and faded. Whilst we were there DH decided that he needed a new paint roller and a brush, so about £7 spent. I popped into Mr M then for DS3's chicken breast and DH requested coleslaw, so another £5 gone :mad:

    After work DH put some hooks up in DS3's room and DS3 did some cooking with the chicken breasts when he got home from college. All very industrious :).

    No surveys today and definitely not a NSD, but it will be an AFD.

    I feel tired after getting up at 7.00am (it's been 8.00am during the holidays) but I'll get used to it. I also feel a bit flat today, but I think it's anticlimax after the Christmas activities :o.
    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
  • System
    System Posts: 178,377 Community Admin
    10,000 Posts Photogenic Name Dropper
    Getting back into your routine will soon get rid of your post Christmas blues! Productive day for you though .
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • 117pauline
    117pauline Posts: 743 Forumite
    Part of the Furniture 500 Posts
    It's the January lull. There's nothing much to look forward to.

    One of my ways of saving for Christmas is to actually buy store cupboard staples in the run up to the holidays. I am hopeless at avoiding temptation for scrumptious treats but funnily enough, toilet rolls and tea bags aren't so attractive. So I buy stuff needed for January.

    Keep shredding, take care
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
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