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

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Comments

  • IzzyBee said:
    I agree Milann I think those working with the public should have had the vaccine they have done a great job working through all of this
    Unfortunately this is not going to happen :(.
    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
  • It is great reading about gardens and plants and critters on here. Spring is coming!
    Thanks DIA 🙂. Indeed it is 🌷🥀🌱
    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've now had 2 sessions with DGS via Zoom, on his own. Today, he was telling us how the (lady) lodger's guinea-pigs only eat cucumber after he's gone to sleep, in the darkedness !!!

    I think it is such a great shame that so many people have been made very anxious about everyday life, to an extent it is difficult imagining 'normal' life again. DH and I are virtually recluses, as are many people we know, to the extent that taking the car for it's service & MOT is an exciting 'outing' !
    I'm glad you've had some DGS zoom time Elizabeth :).

    People are anxious and in many ways they are right to be. I think people will have to take baby steps to build up their confidence once it's safe to resume our normal activites.
    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 think it is such a great shame that so many people have been made very anxious about everyday life, to an extent it is difficult imagining 'normal' life again. DH and I are virtually recluses, as are many people we know, to the extent that taking the car for it's service & MOT is an exciting 'outing' !
    I agree with this 100%, Elizabeth. DH and I are venturing out only if absolutely essential and we've come to realise that very little actually is.  My worry is that a lot of people seem to have 'jumped the gun' somewhat and are already acting as if the virus has disappeared.  We drove through our small town today for the first time in weeks.  Only stopped at the Post Office to post a parcel and at the garage for DH to buy petrol seeing as the garage was on our route.  Living so rurally it's not a great idea to be running on fumes as no one knows when an emergency might call for the use of the car.  I couldn't believe how many people were out and about in the town, gathered in largish groups on the narrow pavements.  Very few were wearing masks and they were certainly not socially distanced.  I know the virus spreads less easily outdoors but several of these  people were throwing their heads back and laughing scarily close to each other.  Any droplets would have been well and truly transferred!  I was glad to arrive home safely but the experience put me in a bad mood for the rest of the day.   I'm usually a glass half full type of person but at the moment I have a hunch that the final release from lockdown in June won't happen because idiots will spoil things by behaving too rashly in the meantime.
    badmemory said:
    The trouble is that no government can legislate against idiots & this country seems to have managed to accumulate an awful lot of idiots in the last few years.  There are some places I need to go that I just feel like screaming "what don't you get?".  I find it really weird to go into a 3 store precinct & 2 of them are always fine, faces covered & distancing but the 3rd is a nightmare, 50% no masks & being jostled & no-one giving you the chance to shop properly.  The 2 shops, you look at what you want & people wait, you say thank you when you are done & move on, they smile nod or whatever.  The other, they even jostle you in the queue when it can gain them no advantage at all.  Obviously (unfortunately), you don't need an IQ test to shop!  Whatever happened to humans instinct of self preservation because it certainly seems to be missing in a lot of people at present.
    Personally I am going nowhere until I decide it is going to be safe.  Governments can say what they like but I am sticking with my self preservation instincts.
    I do agree about all the idiots in this country 😡. Unfortunately although the idiots are in the minority, they can cause a lot or problems for the sensible majority 😡. Scientists are warning about people who have been vaccinated ignoring the rules now because they think they're safe 🙄 .

    I completely agree that I'll do activities when I decide it's safe and not when the goverment tells us it's safe. I wouldn't trust the government to do anything that's not in it's own self interest. The best person to take care of my safety is ME.
    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
  • Another week finished , I hope it's not been too stressful and you are looking forward to a lovely weekend . 
    Thanks Sunshine :)

    milann said:
    Happy weekend Hairy 👍
    Thanks Milann :)

    jwil said:
    Have a lovely weekend :) 
    Thanks Jwil :)

    Fidelia said:
    Wishing you, HH, and all the lovely people who post on here a relaxing weekend with the opportunity to enjoy a bit of sunshine even if it's only from our own gardens.  The lighter mornings and evenings are certainly a spirit-lifter aren't they?

    Jonathan Van-Tam's message yesterday at the Downing street briefing was brilliant.  ''Don't wreck it now'' was exactly what needed to be said but, sadly, I doubt the idiots who think it doesn't apply to them were either watching or hearing it even if they were!

    Take care, all xx
    Thanks Fidelia 🙂. I hope that idiots don't wreck it, but they probably will to some extent, sigh 🙄.
    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
    Fidelia Posts: 321 Forumite
    100 Posts First Anniversary Name Dropper


    It was pay day on Thursday 🎉🎉🎉. We had some back pay of tax credits this month and DH has been bringing in some work, so I was able to save all of my wages this month 😁. I bought DH and me £50 of premium bonds each, then put £300 in the holiday fund and £300 in the EF. I also put £200 in my SEF. I love saving money and it was a real wrench to spend money on the trainers for school 😂.

     I hope everyone is having a lovely Saturday with some of my sunshine 😎.
    It's such a good feeling saving money after years of it all going the other way isn't it?  I still enjoy the  relative novelty of it!  I can understand how it was a wrench having to spend money on the trainers but it's an essential outlay rather than a 'want'.  You're on your feet for much of the day and you can't risk damaging your feet or legs.  A friend had similar trouble once and saw a private chiropodist.  He wasn't called a chiropodist as such, some other fancy name.  Money well spent she said as they examined her posture, gait and everything.  She ended up getting specially-made inserts to put in her regular shoes and has had no problems since.

    I can appreciate why frontline workers such as teachers are upset about not being prioritised for jabs but there are so many occupations who qualify as vulnerable if they work in close contact with the public.  The police and taxi drivers come to mind to name just two and they amount to hundreds of thousands of people. They feel their claim is more valid than anyone working with young children. They work with adults whereas according to the 'experts' teachers and TAs working with children are in contact with less virus risk.  I'm not saying either opinion is right, just saying what it appears to be from the viewpoint of an outsider.  No offence meant so I hope none has been taken xx.  Anyway, at the rate the vaccine rollout is going it won't be very long before even the over 40s will be safely 'jabbed'.  Has your DH had his yet, HH, or at least had an appointment?
    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
  • Thanks Fidelia 🙂. DH had his vaccine on Tuesday (due to his diabetes, BMI and other risk factors). I'm expecting to get mine in March based on me being in my late fifties.
    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
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