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

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  • beanielou
    beanielou Posts: 96,473 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope all goes well for DS3.
    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.
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    edited 21 January 2018 at 1:32PM
    OHs and cooking eh :doh:.

    We eat between 7 and 8 when I cook, but we're a house full of adults. I think I'd be hungry before bedtime if I ate earlier than 7 :o. You do well to manage Carboot with your electrical issues.
    .
    We're a house of adults too but you wouldn't always know it from OH's behaviour:rotfl:

    We're usually up and about by 6.30 every morning and have had our breakfast by 7. To eat any later than 6.30 in the evening would mean we've lots of hungry hours in between as we don't have a big lunch:eek:. We don't go to bed all that early, maybe 11-ish or later and OH often has a snack in the evening. It's one he doesn't need preparing for him, such as a hot cross bun or a scone and a drink:rotfl:. I don't tend to be hungry after my evening meal but then again I tend to cook and eat huge portions anyway:o
  • DS3 is having till training tonight at work, that seems like a good sign to me :).

    Yes, I'd say that definitely is a good sign:T


    I bet you and DH are really pleased that he's doing so well there:beer:.
  • doingitanyway
    doingitanyway Posts: 10,305 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Well done on your steps. I can't decide on a tracker but your step count is inspiring.
    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
  • Seasidegal58
    Seasidegal58 Posts: 6,137 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Have a relaxing Sunday Hairy. Staying indoors in the warm sounds a good plan to me!:)
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • My OH does most of the cooking. It's not always what I would choose to eat but it's made for me. Also, he tends to hover if I'm cooking which I find so annoying that it's easier just to let him get on with things. Only prob is that he can't tidy as he goes. So infuriating.

    My DH doesn't tidy as he goes either, must be a man thing :rotfl:
    We're a house of adults too but you wouldn't always know it from OH's behaviour:rotfl:

    We're usually up and about by 6.30 every morning and have had our breakfast by 7. To eat any later than 6.30 in the evening would mean we've lots of hungry hours in between as we don't have a big lunch:eek:. We don't go to bed all that early, maybe 11-ish or later and OH often has a snack in the evening. It's one he doesn't need preparing for him, such as a hot cross bun or a scone and a drink:rotfl:. I don't tend to be hungry after my evening meal but then again I tend to cook and eat huge portions anyway:o

    It gives you time to burn off some calories before bed. I have two snacks between lunch and dinner, I usually have a banana at 4.00 and a slice of brown bread at 5.00. I'd never last otherwise, but I hate going to bed hungry :o.
    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
  • beanielou wrote: »
    Hope all goes well for DS3.

    Thanks beanie :)
    Yes, I'd say that definitely is a good sign:T


    I bet you and DH are really pleased that he's doing so well there:beer:.

    Yes we're very pleased :)
    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
  • Well done on your steps. I can't decide on a tracker but your step count is inspiring.

    I'm paying for it today, I'm used to 10,000 but not 17,000. Hopefully it'll shift the pounds though :D.
    Have a relaxing Sunday Hairy. Staying indoors in the warm sounds a good plan to me!:)

    Thanks SSG. The weather has got worse so the right decision :)
    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 mystery shop for GFK. The work is making telephone calls and e.mail as well as shopping.
  • Thanks Fraser I'll look into that :)
    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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