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

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Comments

  • doingitanyway
    doingitanyway Posts: 10,314 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    It goes like that sometimes. Everything going wrong at the same time. At least your lovely garden will keep you sane.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • mummytogirls
    mummytogirls Posts: 6,578 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    Cant believe all your appliances are breaking at once HHOD, so annoying! Have you had the boiler bill yet? xx
    Mummytogirls x

  • anita55
    anita55 Posts: 198 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Hi hope you don't mind me popping in am new to this. Have read your diary through and enjoyed what I read reading your ups and downs you have done so well with you TA and coping at the school. About your oven my daughters fan oven broke the fan still worked but no heat so her partner bought an element and looked it up on you tube and fixed it and he's not one for mending things but didn't want to pay someone. 
    Your garden sounds lovely by the way x

  • anita55
    anita55 Posts: 198 Forumite
    Part of the Furniture 100 Posts Name Dropper Combo Breaker
    Hi hope you don't mind me popping in am new to this. Have read your diary through and enjoyed what I read reading your ups and downs you have done so well with you TA and coping at the school. About your oven my daughters fan oven broke the fan still worked but no heat so her partner bought an element and looked it up on you tube and fixed it and he's not one for mending things but didn't want to pay someone. 
    Your garden sounds lovely by the way x

  • Seasidegal58
    Seasidegal58 Posts: 6,137 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Sorry to read about your appliances saga Hairy. How dire. 
    Hopefully you're out and about today and you've got the sun where you are. 
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 18 April 2021 at 10:54AM
    jwil said:
    Glad you are having a lovely holiday :)  I'm with you on there being too many people 😆
    Thanks Jwil :)
    Nicnak said:
    Your Friday reminded me of it being like your old Saturday saunter and made me smile. 

    Hopefully the bug box will be up today and you are able to enjoy a nice coffee in the garden x
    Thanks Nicnak :)
    Fidelia said:
    Sorry that your oven is playing up after all the other malfunctions you've had to put up with this past week.  I may be mixing you up with someone on another diary but didn't you have  a replacement oven quite recently or maybe it was your DH who managed to fix it without having to fork out for a new one or a repair man.  I seem to recall reading something about ovens/hobs anyway but might have got it all wrong (as usual!).

    Your garden is sounding a lovely peaceful haven now, HH.  Well done to you for on getting your sleeves rolled up and putting the effort in.  I expect the fact that your fence has given you a lot more privacy is a major factor in your enjoyment of your own space.  Living so isolated has lots of drawbacks but having no near neighbours was top of our 'must have' list when we were looking to buy our house.  We've never regretted it, although the house is a money pit and we've spent what seems like the majority of the 35 years we've been here living on a building site!

    I hope your boiler repair isn't too eye-wateringly expensive.  DH can fix most things (after a fashion but often after a lot of nagging from me to get on with it!) but you have to be pretty self-reliant when sources of help are pretty distant and often costly.  One thing we've never stinted on though is having the boiler serviced every year.  Money well spent as it's served us well for about 30 years and apart from a replacement pump a couple of years ago has never let us down.  I'm sure it isn't as efficient as modern ones though and we keep talking about replacing it but there are more crucial things to address first.  Being an oil-burning boiler I don't think it burns as cleanly as gas and the service man usually has to replace a sooted-up 'nozzle' each time but it's a cheap item so we don't mind.
    Thanks Fidelia :). Our garden is definitely a peaceful haven now and you're right that the fence makes all the difference.
    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
  • I find appliances tend to break down in threes. Also agree there’s too many people about. I suppose it’s lack of places to go at the moment, hopefully they’ll disperse a bit when things start opening up again. 

    I’m glad you’re getting so much pleasure from your garden 🪴 
    Thanks SA :) 

    milann said:
    Your garden sounds lovely. I’ve bought some bedding plants but they are currently on my floor in front of the patio windows as it’s too cold to do anything with them outside yet.

    Thanks Milann :) 
    I agree about the triple breakdowns - well it often seems that way. Hopefully now you've had your 3 malfunctions, that will be it for ages. Fingers crossed !

    When we had our second vaccine on Wed, it was lovely to see people, to exchange comments, to feel part of humanity again. After approx. a fortnight, I plan to go the dentist & DH wants to get his eyes checked.

    Thanks Elizabeth :). I'm glad you're fully vaccinated and hope you've been able to meet family and friends outdoors recently.
    I'm glad you managed to get out for a walk Hairy, it sounded lovely. I'm hoping to get some bits done in my garden on my days off next week, I need to prune the hedge up by the washing line because it's got loads of brambles tangled up in it and they keep attacking my washing 🙀
    Thanks OBL :)
    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 18 April 2021 at 11:39AM
    It goes like that sometimes. Everything going wrong at the same time. At least your lovely garden will keep you sane.
    Thanks DIA :) 
    Cant believe all your appliances are breaking at once HHOD, so annoying! Have you had the boiler bill yet? xx
    Thanks MTG :). We haven't had the bill yet which is infuriating!
    anita55 said:
    Hi hope you don't mind me popping in am new to this. Have read your diary through and enjoyed what I read reading your ups and downs you have done so well with you TA and coping at the school. About your oven my daughters fan oven broke the fan still worked but no heat so her partner bought an element and looked it up on you tube and fixed it and he's not one for mending things but didn't want to pay someone. 
    Your garden sounds lovely by the way x


    Hi Anita :). Thanks for popping by and reading my diary, what a marathon read! It probably is the element with the fan oven.
    Sorry to read about your appliances saga Hairy. How dire. 
    Hopefully you're out and about today and you've got the sun where you are. 
    Thanks SSG :)
    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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