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Finally Debt Free After 34 Years, But Still Need to Live Frugally
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I forgot to say that I've also bought another £50 each of PBs for DH and I 💷. Like others I dream of winning big and buying a better house 😂 .
I also booked a hair cut for myself a week ago because I haven't had my hair cut since last summer and I have so many split ends 😳. I couldn't get an appointment until the end of May but at least it's booked now .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 -
Good to hear from you ☺️I get knocked down but I get up again (Chumbawamba, Tubthumping)5
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Enjoy your weekendI 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.5 -
Sitting in the garden with a coffee sounds lovely and amazing. The insects will soon be in your bug hotel if they are not already.
Have a lovely Sunday Hairy xSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x5 -
Sun_Addict said:Good to hear from you ☺️beanielou said:Enjoy your weekendNicnak said:Sitting in the garden with a coffee sounds lovely and amazing. The insects will soon be in your bug hotel if they are not already.
Have a lovely Sunday Hairy xFinally 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 MONTHS2 -
DH and I decided to go for a walk by the sea 🌊 today as it was such a lovely morning. We really enjoyed it. The sea and sky looked so blue and it was good to see people out and about enjoying themselves. I wanted to stop for an outdoor coffee but DH wanted to go home and the cafes did look a bit busy. It was a nice start to a Sunday though as normally we stay at home all weekend 🙂.
I put a wash on before we went and have done another one since. They are both drying in the garden. DH and I had coffee out there mid afternoon ☕☕ and I got too hot and had to move into the shade can you believe 😎! We need a second bench at the bottom of our steps as it would be more shady there, so that's another item to save up for. Our flowers looked lovely in the sunshine and we spotted new leaves and flower buds on many 🌺🏵. There was quite a background drone of bees collecting pollen from the flowers 🐝.
It's DS3's last weekend with us, but his dissertation is due in a few days so I've only since him a few times in the kitchen to have a brief chat. I suppose the fact that he spends most of his time in his room will help us not to miss him too much when he goes back to uni 🤔.
I've finished the last book I own in the crime series I've been currently reading (by Elly Griffiths). I've ordered the latest one with a rainforest voucher I had for my birthday, but until it arrives I don't want to start another series. So I've found another book to read called Darkness Falls by Margaret Murphy. I love the Elly Griffiths series as they combine archaeology with murder which is just perfect to my mind 📚.
I've had quite a lazy day apart from the walk and the washing, but that suits me on a Sunday as my week at school can be fairly hectic. Is anyone else struggling to know what to wear at the moment? Sometimes I can be cold and other times I can be too hot at school, so I have to wear layers. I ought to get out my lighter coat for tomorrow I think as I'm getting too hot in my thick winter one and have been leaving it in the staffroom some days.
It wasn't a NSD as I nipped into the cwop shop on the way back from our walk for a few bits we needed. But our main spending is on food and bills.
I hope everyone is having a relaxing and enjoyable Sunday 🙂.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 -
Wow the end of May for a haircut. I’m lucky that my neighbour and friend does mine and fitted me in as soon as she could. You will feel so good when it’s done.
im sure you’ll miss your ds. Won’t be long though until they finish for summer....will he come back then or stay there for the summer?My ds used to always come home but dd stayed for the big holiday as she had a job down there.Your garden sounds lovely. I’ve been to 2 garden centres this afternoon....I need to stay away as plants and craft stuff is my downfall....nuff said on that - time to take stock and plant what I have 👍January spends - £587.585 -
Thans Milann
. I knew it would be a long wait to get my hair cut as everyone is desperate to get in the salon and my preferred hairdresser is part time. At least I'm booked in now.
I hope DS3 will come home in the summer, but his rent has to be paid up until the beginning of August so I'm sure he'll stay until then.
I could spend a fortune at garden centres and I did in fact over easter. It gives so much pleasure to have a lovely garden though.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 MONTHS4 -
I like that series by Ellie Griffiths too, @HairyHandofDartmoor & it is always nice when a new one is published.
F x2025's challenges: 1) To fill our 10 Savings Pots to their healthiest level ever
2) To read 100 books (36/100) 3) The Shrinking of Foxgloves 6.8kg/30kg
"Life can only be understood backwards but it must be lived forwards" (Soren Kirkegaard 1813-55)5 -
Another fan of Ellie Griffiths waiting patiently for the next one also like Kate Ellis just finished the first 2 Peter James books about inspector Grace like the characters and another I am waiting for is Simon McCleave the Snowdonia killings brilliant series5
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