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

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Comments

  • Love seeing the flowers coming up HHOD. Im going to try and get out into my garden next weekend xx
    Thanks MTG :). Let's hope we have a dry one.
    One of the bay trees we bought last summer. As you can see I need to do some weeding 🙄 .


    I made the mistake of taking my Bay tree out of its pot and planting it in the garden by my back door, it's up to the eaves of my roof now  🙀🙀I'm am going to cut it back when the nicer weather arrives as I think that's how critters are getting into my loft by climbing up it 😟
    😱 to your bay tree. Ours is definitely staying in it's pot!
    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
  • Love that pot Hairy. I'd love a bay tree too x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Nicnak said:
    Love that pot Hairy. I'd love a bay tree too x
    Thanks Nicnak 🙂. I'm very pleased with the bay trees as they've looked good all winter.
    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
  • milann
    milann Posts: 11,516 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    The flower pots are lovely. I’m gutted as I’d planted sweet pea seeds gathered from my sweet peas last year. They were doing really well but the spell of cold we’ve just had has finished them off.
    Have a good week back in school.
    January spends - £587.58
  • Fidelia
    Fidelia Posts: 321 Forumite
    100 Posts First Anniversary Name Dropper
    milann said:
    The flower pots are lovely. I’m gutted as I’d planted sweet pea seeds gathered from my sweet peas last year. They were doing really well but the spell of cold we’ve just had has finished them off.
    Have a good week back in school.
    I love sweet peas too, milann.  A scent to die for!  It's amazing how a small handful of gathered blooms can fragrance the whole room.  I'm always late to start off my sweet peas each year, far too cold up here for them to withstand the early months of the year.  One year I didn't save any seed and bought some plant plugs off the market.  They were supposed to be assorted colours but they all turned out to be blue!  Very pretty but disappointing as I love the various pink and mauve ones best.
    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
  • Fidelia
    Fidelia Posts: 321 Forumite
    100 Posts First Anniversary Name Dropper
    edited 22 February 2021 at 8:30AM
    HH, your bulbs and pots look absolutely lovely.  They must give you such joy to see them every day.  The raindrops enhances their beauty even more.  
    I agree with what people have said about weeds.  After all, they are often just plants that grow where we don't necessarily want them.  Nothing wrong with the non-invasive ones IMO.  We've got all sorts in our garden, we certainly wouldn't dig them up.  reminds us of the golden days of our childhoods when it was common to see all sorts of wildflowers happily blooming in the countryside.  We have a huge amount of a small, really pretty 'weed' growing in the crack between the path and house wall all along the front of the house during the summer.  I've forgotten what they're called (doh!) and we've been told they are bad for a building but we ignore the advice from garden purists who shake their heads when they see them and just enjoy them.  Many years ago DH and 2 of the children who were still pre-teenagers spent hours on their hands and knees scraping them all out but they still came back the next year.  Live and let live I say!
    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
  • milann said:
    The flower pots are lovely. I’m gutted as I’d planted sweet pea seeds gathered from my sweet peas last year. They were doing really well but the spell of cold we’ve just had has finished them off.
    Have a good week back in school.
    Thanks Milann :). What a shame about your sweet peas.
    Fidelia said:
    HH, your bulbs and pots look absolutely lovely.  They must give you such joy to see them every day.  The raindrops enhances their beauty even more.  
    I agree with what people have said about weeds.  After all, they are often just plants that grow where we don't necessarily want them.  Nothing wrong with the non-invasive ones IMO.  We've got all sorts in our garden, we certainly wouldn't dig them up.  reminds us of the golden days of our childhoods when it was common to see all sorts of wildflowers happily blooming in the countryside.  We have a huge amount of a small, really pretty 'weed' growing in the crack between the path and house wall all along the front of the house during the summer.  I've forgotten what they're called (doh!) and we've been told they are bad for a building but we ignore the advice from garden purists who shake their heads when they see them and just enjoy them.  Many years ago DH and 2 of the children who were still pre-teenagers spent hours on their hands and knees scraping them all out but they still came back the next year.  Live and let live I say!
    Thanks Fidelia :). I do get a lot of pleasure from my pots and plants, they have a calming effect on me. I agree that the raindrops look nice.
    Weeds can be very nice sometimes and I always think stinging nettles can look lovely in the park and are good for insects. If it wasn't for my wall being destabilised (and I have evidence that's it's happening 😒) I'd let them flourish until after flowering. Like yours they are indestructible and return every year.
    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 22 February 2021 at 7:55PM
    I had a good day at school and it was nice to see the children again. It's amazing how much patience I have after a holiday, but I'll probably be really grumpy in five weeks time 🤣. It was warm and sunny all day so I positively enjoyed my lunchtime job ☀️ 😎.

    In the classroom one child threw a pencil and had a mini tantrum 😳, a second child was being really awkward all day so the TA had to leave the room for five minutes so she could calm down 😳, and a third child refused to do his work, bawled his head off and was rude to the TA so the deputy head had to be called 😳. So just a normal day in school 🤣😂. Luckily for me I was working in the libarary for most of the day so only heard the ructions from afar 😂.

    Well all the children will be back on 8th March which I was fully expecting to happen. I expect the parents will be delighted. I don't mind as we'll  just go back to what we were doing before Christmas and at least the day will go a bit quicker as we'll be rushed off our feet again. I do worry about potential for me getting infected as I haven't had the vaccine yet 😞, but I'll just have to keep wearing my mask, sanitise my hands and keep opening all the windows. It's impossible to socially distance from infant children 😞.

    I'm a bit dubious about some of the other rules that they may be relaxing 😡. I think they should keep most indoor places closed until every adult over 18 has had the vaccine. I for one won't be going inside a pub or restaurant until I've been  vaccinated and even then I'm not sure I'd feel safe until every adult has had the jab.I'll be glad for outdoor restrictions to be eased though as the risk is minimal when outside in the fresh air. 

    I hope everyone is having a good Monday 🙂.

    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
  • milann
    milann Posts: 11,516 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Combo Breaker
    I’m pleased you had a good day in school. I too think school and shop staff should be priority.
    January spends - £587.58
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