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

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  • Morning, how infuriating to get so close to the finishing line and have to wait because of someone's incompetency. Grrr......
    The card box is a great idea, gonna look into that, thanks.

    It is annoying Bonnie but nothing happens quickly in Debtland :( Still even they can't take forever :)

    Glad you find the card box idea useful :)
    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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 11 October 2017 at 11:01AM
    I've told DS1 to switch the tv off at the wall at bedtime, rather than leave it on standby, as he is the last one to go to bed.

    DH wouldn't allow this when we had Virgin tv and a TiVo box as he said he would have to reset all of the channels every day or it did updates at night or some such excuse. But as we cancelled Virgin tv about 18 months/two years ago, I suddenly realised that we don't need to leave the tv on standby any more :)

    I'm sure this will save a lot of electricity over time :)

    Anyway must get off MSE and do some work!
    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
  • parsniphead
    parsniphead Posts: 2,897 Forumite
    Part of the Furniture 1,000 Posts
    I think your DH was bei g a bit cheeky. Mum has virgin and unplugs hers every night.

    I'm definitely stealing the card kit idea as its just one of those urgh jobs.
    1 debt v's 100 days chapter 34: T3sco bank CC £250/£525.24 47.59%

    [STRIKE]MBNA - [/STRIKE]GONE, [STRIKE]CAP ONE[/STRIKE] GONE, [STRIKE]YORKS BANK [/STRIKE]GONE, [STRIKE]VANQUIS[/STRIKE] GONE [STRIKE] TESCO - [/STRIKE], GONE
    TSB CARD, TSB LOAN, LLOYDS. FIVE DOWN, THREE TO GO.
  • DH is a bit resistant to change sometimes. It took me about a year to persuade him to go SIM only with his phone :mad: My nagging worked in the end though :D

    Glad you like the card box idea, it's certainly making my life easier :)

    I spent £74..50 in Tesco so I was pleased with myself for sticking to my target :money:
    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
    beanielou Posts: 95,832 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Well done on sticking to target.
    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.
  • DebtFreeDuo
    DebtFreeDuo Posts: 1,021 Forumite
    1,000 Posts Third Anniversary Combo Breaker
    Well done on sticking to your target, I also really like the card idea, I may have to start building up a collection, especially for when LO starts getting invited to parties.
    Change the way you see things and the things you see will change
  • Well done for sticking to shopping budget!

    I regularly buy cards on the 5 or 10 for £1 deal in Card F@ctory. Then I always have a selection. Nothing worse than having to spend a fortune on a card because you are short of time! That said, I love cards and always try to make sure the card I sent matches the person :D.
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida
  • Seasidegal58
    Seasidegal58 Posts: 6,049 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Having a system certainly helps to get things organised.

    I also booked myself a £5 hair cut at the hairdressing college as I finally found their phone number. I suddenly realised that I hadn't had my hair cut for six months and my hair is a bit of a frizzy mess :eek: Last time I went the supervisor did half of my hair as the trainee had never done layers on wavy hair before, good value for a fiver I thought :D

    Wish I could be brave enough to use a hairdressing college Hairy. I have a problem with my thinning hair and only trust my longstanding hairdresser to cut and highlight it. He is very good and gives me discounts but I'd save oodles using a college. :(
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Thanks beanie, DFD and lucky :)

    I got five cards for £1 too Lucky and they seemed good quality. Last minute card buying tends to mean you end up buying expensive ones and then I would never have a stamp when I needed one, so all my cards would be sent late. This system is certainly saving me money and time :)
    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
  • Wish I could be brave enough to use a hairdressing college Hairy. I have a problem with my thinning hair and only trust my longstanding hairdresser to cut and highlight it. He is very good and gives me discounts but I'd save oodles using a college. :(

    It was either that or get DH to do it :eek:

    It did seem a bit of a gamble but I was desperate for a hair cut and reluctant to pay £20 - £30 for a cut. Someone I knew had been there and her hair looked nice so I thought I'd give it a go.

    My hair was cut by a Level 2 hairdressing student and the teacher was keeping a close eye on what was happening. I was pleased with the results, but maybe I was just lucky :)
    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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