We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

1150715081510151215131551

Comments

  • elizabethhull
    elizabethhull Posts: 767 Forumite
    Part of the Furniture 500 Posts
    Happy to hear from you, Hairy, and I'm so sorry to hear about the TA cover finishing. I'll keep my fingers crossed for you applying for other jobs.
    My DH stopped teaching in the 70's due to stress, & I see it's got no better.

    Your garden sounds a delight. We spent the w/e with DD1 and DSIL in their new house, having not seen them for 15 mths (FAR too long!), and taking advantage of fabulous weather by opening their bifold doors at the back made the lounge suddenly huge as it encompassed their little garden. We went out 3 times over the w/e which seemed really strange, and visiting a Costa I found myself unfamiliar with so many current protocols !

    I found it interesting that you mentioned feeling relaxed by the sea. In my mother's last few months, I visited/helped for half of every week, and used to go for walks along the promenade in the afternoons. There is something very calming and restful about looking out to the ever-changing sea.
  • Willowtree222
    Willowtree222 Posts: 8,286 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hopefully you’ll get some nice rest over the half term holiday and can unwind. 
    I love the sea too, it’s my happy place x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • jwil
    jwil Posts: 22,394 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sorry to hear about the TA cover, hope you find something else soon.  Glad you've had your second jab now and are starting to get out and about again.  It's a nice feeling!

    Hope you have a lovely half term :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • beanielou
    beanielou Posts: 96,552 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Good to see you but sorry about the TA cover :(
    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.
  • doingitanyway
    doingitanyway Posts: 10,314 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Sorry about the TA cover but as you say you are qualified now so hopefully another school will work out in the near future. 

    You are right about the sea...

    Wishing you a relaxing break :)
    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
  • Happy to hear from you, Hairy, and I'm so sorry to hear about the TA cover finishing. I'll keep my fingers crossed for you applying for other jobs.
    My DH stopped teaching in the 70's due to stress, & I see it's got no better.

    Your garden sounds a delight. We spent the w/e with DD1 and DSIL in their new house, having not seen them for 15 mths (FAR too long!), and taking advantage of fabulous weather by opening their bifold doors at the back made the lounge suddenly huge as it encompassed their little garden. We went out 3 times over the w/e which seemed really strange, and visiting a Costa I found myself unfamiliar with so many current protocols !

    I found it interesting that you mentioned feeling relaxed by the sea. In my mother's last few months, I visited/helped for half of every week, and used to go for walks along the promenade in the afternoons. There is something very calming and restful about looking out to the ever-changing sea.
    Thanks Elizabeth :). I'm glad you've been able to see your relatives and embrace normal life again.
    Nicnak said:
    Hopefully you’ll get some nice rest over the half term holiday and can unwind. 
    I love the sea too, it’s my happy place x
    Thanks Nicnak :)
    jwil said:
    Sorry to hear about the TA cover, hope you find something else soon.  Glad you've had your second jab now and are starting to get out and about again.  It's a nice feeling!

    Hope you have a lovely half term :)
    Thanks Jwil :)
    beanielou said:
    Good to see you but sorry about the TA cover :(
    Thanks Beanie :)
    Sorry about the TA cover but as you say you are qualified now so hopefully another school will work out in the near future. 

    You are right about the sea...

    Wishing you a relaxing break :)
    Thanks DIA :)
    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: 24,349 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    You certainly won’t be the only one who’s turned to chocolate or whatever during the pandemic and looking to get healthier. Rather than cut it out altogether and feel deprived, perhaps you should make sure you only have the one bar in the house or buy the fun size bars, take out a couple and hide the rest. You could replace your after school snacks with healthy ones. Getting out and about in the fresh air for a walk should help your mood too.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Onebrokelady
    Onebrokelady Posts: 7,912 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    Hope you feel better soon Hairy the vaccines seem to effecting some people quite badly but your are right that's it's preferable to getting the virus. I'm hoping that as time goes on and people have their boosters the side effects will lessen 🤞
    It started off chucking it down here today then was really sunny and now it's gone cloudy and grey again. Hopefully the ran will hold off for tour outing. I love NT gift shops and can't be trusted not to buy anything even if it's just a jar of jam or my favourite lemon curd 😀
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • You certainly won’t be the only one who’s turned to chocolate or whatever during the pandemic and looking to get healthier. Rather than cut it out altogether and feel deprived, perhaps you should make sure you only have the one bar in the house or buy the fun size bars, take out a couple and hide the rest. You could replace your after school snacks with healthy ones. Getting out and about in the fresh air for a walk should help your mood too.
    Thanks SA :). I'm an all or nothing person as far as chocolate is concerned so I find it easier to cut it out completely rather than have a small amount. My after school snacks are fruit and bread but I need to cut down on the volume as even healthy food can make you overweight if the quantities are too great. Walking helps to reduce my appetite so if I walk more I'll probably eat less.
    Hope you feel better soon Hairy the vaccines seem to effecting some people quite badly but your are right that's it's preferable to getting the virus. I'm hoping that as time goes on and people have their boosters the side effects will lessen 🤞
    It started off chucking it down here today then was really sunny and now it's gone cloudy and grey again. Hopefully the ran will hold off for tour outing. I love NT gift shops and can't be trusted not to buy anything even if it's just a jar of jam or my favourite lemon curd 😀
    Thanks OBL :). I hate feeling ill so I hope I feel better soon. Yes I hope that if we need autumn boosters then the side effects may be less. I'm fatallly attracted to NT shops but I managed to avoid going into it today.
    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
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.6K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.