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

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Comments

  • And now the torrential rain has started, I may have to swim to the supermarket :eek:
    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
  • abba1772
    abba1772 Posts: 7,746 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Car Insurance Carver!
    Good luck with the food shop........I'm doing mine tonight when hubby gets home xx
    NEXT TARGET: Halifax credit card DEC 22 £0 / £4499.12
    POAMAYC 2011 £6378.35 POAMAYC 2012 £5000.78
    POAMAYC 2013 £3480.04 POAMAYC 2014 £4085.14
    POAMAYC 2015 £7565.24 POAMAYC 2016 £8000.90 POAMAYC 2017 £7278.80 POAMAYC 2018 £13208.18POAMAYC 2019 £13309.28 POAMAYC 2020 £15026.05
  • Just did an inventory of every item of food I have in the house, that's in the fridge, freezers, cupboards etc. I was amazed to discover that apart from fresh foods like milk, bread, fruit and vegetables that I'll need to buy as and when we need them I have everything I need to provide tasty, nourishing and varied meals for the 2 of us (and OH loves his food and plenty of it:eek:) until the end of FEBRUARY!!!!:j:j:j


    That was a very pleasant surprise and means I can save quite a lot in February by using stocks up:dance:. Sadly, I'll need to start all over again in March:( but at least I'll have a good amount of available cash in February for my planned trips to visit my brother.


    Torrential rain and strong winds here today too. I'm glad I don't have to go out:j. Good luck to all those who do need to venture into the elements:beer:
  • System
    System Posts: 178,367 Community Admin
    10,000 Posts Photogenic Name Dropper
    The weather was awful here this morning HHOD , but now it is sunny and calm , still light as well.

    I wrote on my thread last night that you are welcome to stay if you are ever up North , but deleted it as it sounded as though I invite perfect virtual strangers round lol. The way is was meant to say was if you ever venture North it would be lovely to see you. The same if I was ever your way I would love to sit in your coffee shop for a chat. Hope that sounds better .

    Hope the shop comes in under budget . Has your son was it DS2 mentioned going back to the US again ? I only ask as my son is talking about it again.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • badmemory
    badmemory Posts: 9,983 Forumite
    Ninth Anniversary 1,000 Posts Name Dropper
    Don't we worry about our children? You both worry about your children going across continents & I worry about mine not even going to a town 3 miles away or for that matter even a shop half a mile away. I worry about not being able to be 'taxi of mum' & not being able to drive. He has a license but I can't let him drive (although I have him insured to) as he will no longer look out of the side windows & sometimes not even straight ahead.
  • jwil
    jwil Posts: 22,375 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news about the additional work :T :T
    "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
  • abba1772 wrote: »
    Good luck with the food shop........I'm doing mine tonight when hubby gets home xx

    Thanks Abba :)
    Just did an inventory of every item of food I have in the house, that's in the fridge, freezers, cupboards etc. I was amazed to discover that apart from fresh foods like milk, bread, fruit and vegetables that I'll need to buy as and when we need them I have everything I need to provide tasty, nourishing and varied meals for the 2 of us (and OH loves his food and plenty of it:eek:) until the end of FEBRUARY!!!!:j:j:j


    That was a very pleasant surprise and means I can save quite a lot in February by using stocks up:dance:. Sadly, I'll need to start all over again in March:( but at least I'll have a good amount of available cash in February for my planned trips to visit my brother.


    Torrential rain and strong winds here today too. I'm glad I don't have to go out:j. Good luck to all those who do need to venture into the elements:beer:

    That was a nice surprise Carboot to find all that food stashed away :T
    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
  • The weather was awful here this morning HHOD , but now it is sunny and calm , still light as well.

    I wrote on my thread last night that you are welcome to stay if you are ever up North , but deleted it as it sounded as though I invite perfect virtual strangers round lol. The way is was meant to say was if you ever venture North it would be lovely to see you. The same if I was ever your way I would love to sit in your coffee shop for a chat. Hope that sounds better .

    Hope the shop comes in under budget . Has your son was it DS2 mentioned going back to the US again ? I only ask as my son is talking about it again.


    No problem Cumbria :rotfl: I would love to meet you in a coffee shop if I headed your way and vice versa. It just goes to show that although we've never met, we don't feel like strangers :).

    DS2 said to DH the other day that he'd like to visit some other English speaking countries and he's going to work hard to earn more money. He hasn't given a date yet, so hopefully he won't go yet awhile.

    Which part of America does your son want to go to?
    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
  • System
    System Posts: 178,367 Community Admin
    10,000 Posts Photogenic Name Dropper
    He wants to go and be a cowboy ! He can’t ride a horse so no idea where he means . He would be better going to Australia again, we have loads of relatives there . I don’t worry when he goes there.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • badmemory wrote: »
    Don't we worry about our children? You both worry about your children going across continents & I worry about mine not even going to a town 3 miles away or for that matter even a shop half a mile away. I worry about not being able to be 'taxi of mum' & not being able to drive. He has a license but I can't let him drive (although I have him insured to) as he will no longer look out of the side windows & sometimes not even straight ahead.

    I haven't stopped worrying since the day they were born and I don't suppose I ever will Badmemory :o.

    My DS only left the house to walk to the local shops for three years (apart from one family wedding) until he suddenly announced he was gping to America :eek:.

    You sound very worried about your DS.
    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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