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

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  • Hope you all had a good evening?

    Enjoy your Saturday outing. I've just been out to food the birds and its actually quite nice and bright out.

    Ditto!:T

    Have just been and fed some of our feathered visitors too although I'm a bit late today. OH buys big sacks of wild bird food but I add to it with stored apples from some of the apple trees and household bits and bobs. We usually see a pheasant or 2 in the garden (we're surrounded by open farmland and little copses) but this morning there were 2 males and 5 females all hoping for food:eek:. Would be cheaper to keep a whole menagerie of pets than feed all the birds that visit us. I don't really begrudge the money though, they give is lots of joy and entertainment.


    I hope you enjoy your Saturday outing, HH, and that you and all other visitors to this diary have a good weekend:beer:
  • Have a lovely evening x
    beanielou wrote: »
    Have a good night :)
    Enjoy your movie HHOD, hope DS enjoys his birthday.

    Yay to all the steps xx

    Thanks all, I think he enjoyed his birthday :)
    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
  • Hope you all had a good evening?

    You do keep on inspiring me to actually put my fitbit on, and make sure I move more.

    Enjoy your Saturday outing. I've just been out to food the birds and its actually quite nice and bright out.

    I've done 13,268 steps so far today :T. Glad I'm encouraging you to do more steps :D.
    Ditto!:T

    Have just been and fed some of our feathered visitors too although I'm a bit late today. OH buys big sacks of wild bird food but I add to it with stored apples from some of the apple trees and household bits and bobs. We usually see a pheasant or 2 in the garden (we're surrounded by open farmland and little copses) but this morning there were 2 males and 5 females all hoping for food:eek:. Would be cheaper to keep a whole menagerie of pets than feed all the birds that visit us. I don't really begrudge the money though, they give is lots of joy and entertainment.


    I hope you enjoy your Saturday outing, HH, and that you and all other visitors to this diary have a good weekend:beer:


    Your feathered friends sound lovely Carboot :). I enoyed my Saturday jaunt.
    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 hope everyone is enjoying Saturday :).

    I weighed myself this morning and I've put on 2lb :mad::mad::mad::eek:. I've been trying to wean myself off fat and sugar, but I've obviously still been having too many calorie, and Chinese takeaway and birthday cake don't help :(.

    So I need to diet properly which means a food diary. I'll write down everything I eat with an estimate of the calories and that will keep me on the straight and narrow.

    Today I've had/will have:
    Breakfast - porridge
    Lunch - cheese sandwich and satsuma
    Snack - banana
    Drinks - skinny latte + cider
    Dinner - pasta bake

    I've already done 13,268 steps today, so jf I stick to my meal plan it will be a good day :).
    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 enjoyed my Saturday jaunt and didn't spend too much. I dropped off a rucksack and a carrier bag full of clutter at the charity shop :T.

    I spent £2.20 on the bus, £2.65 on a latte, £2.20 on a mug in the sale (reduced from £7 :T) and £14 on food in Mr T.

    The food was over budget but DH wanted crisps and DS1 wanted chocolate, plus I got reduced price Actimel to save money next week on my big shop. Other than that it was just bread, fruit, milk and cheese. I need to avoid any more top up shops apart from todays.

    I thought I'd got all the food we could possibly need, but on the bus home I got a text from DS3 saying "Did you get the chicken nuggets?" I hadn't of course :o :mad: :eek:.

    When I got home I cleaned out the furry moron, emptied all the bins, washed and dried two loads of towels, and sorted out some more stuff for the charity shop :j.

    I think I'll deserve my cider tonight :beer:. Have a great Saturday everyone :).
    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
  • How was today? Did you have your usual morning saunter? x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Sun_Addict
    Sun_Addict Posts: 24,065 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Just caught up with your diary HH, it doesn't half move fast! Glad DS had a good birthday, another one here with January birthdays in the family.

    Enjoy your cider xx
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Nicnak wrote: »
    How was today? Did you have your usual morning saunter? x

    I did and it was great fun despite the rain. Costalot was practically deserted :D
    Sun_Addict wrote: »
    Just caught up with your diary HH, it doesn't half move fast! Glad DS had a good birthday, another one here with January birthdays in the family.

    Enjoy your cider xx

    Thanks SA. What is it with these January birthdays:mad:
    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
  • Seasidegal58
    Seasidegal58 Posts: 6,017 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Just arrivied late behind SA!

    I wouldn’t worry too much about the weight gain. I’m sure things will adjust themselves next weigh-in.

    Glad DS2 enjoyed his birthday. What film did you all watch in the end?

    Re January birthdays my only input is that the ex-hubby and two ex-partners were all born in January! If there ever is a next time I’m checking for birth months and going for someone born in the other eleven months!:rotfl:
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Obviously Capricorns don't work for you SSG :rotfl:.

    We watched John Wick in the end, DS2's choice, (although only DS3 hadn't already seen it) but they seemed to enjoy it :).
    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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