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

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  • redofromstart
    redofromstart Posts: 5,872 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    I keep meaning to try the beauty bit at our local college . The supervisor in the hair bit is my hairdresser of some years so that might be rather awkward...
    My mortgage free diary: https://forums.moneysavingexpert.com/discussion/6498069/whoops-here-comes-the-cheese

    GNU Mr Redo

  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hmmm yes could be awkward :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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Today's plan is walk and work. Not very exciting. I'm going to keep an eye out for more surveys too.

    Oops just remembered that I've been invited to a mum's night out with some friends tonight. One of them has just finished chemotherapy and the meal is to celebrate, so I must go because I want to see her and see how she is. Although I wish I could avoid spending the money :( We tend to split the bill so I hope everybody doesn't order steak :eek: DH has offered to drop us off and pick us up to save on taxi fares. We usually get together about once every six months.

    DH and I are also meeting some relatives who we don't see very often for lunch and to spend the day together on Sunday. If it was just me I'd take a picnic, but my parents are going too and it's a bit cold for them to be picnicking at their age :o

    At least we won't have to split the bill so I can order something cheap to save money. Soup and a roll is often the cheapest option I've noticed. I hate spending money on food when I could take food from home and eat for free :mad: I'm such a skinflint. It will be lovely to see them though :)

    Have a lovely Thursday 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
  • Sun_Addict
    Sun_Addict Posts: 24,157 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Fab card idea :) I used to have a book with slots to put cards on each page and the months where you wrote whose birthday it is, a page and slot for each month. No idea where it is if I've still got it.

    Have a good Thursday :)
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Seasidegal58
    Seasidegal58 Posts: 6,049 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Enjoy your meal and celebration with your friends this evening Hairy. :)
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • beanielou
    beanielou Posts: 95,831 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Seasidegal58 wrote: »
    Enjoy your meal and celebration with your friends this evening Hairy. :)

    Ditto from me.
    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.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 13 October 2017 at 8:53AM
    Thanks SSG and beanie and SA. I really enjoyed catching up with the gossip. It wasn't too expensive either as it was pub grub. My main course was £7.95, we didn't have a starter or a dessert and paid £5 each towards wine, so I spent £12.95 in total. My friend who had had cancer seemed to be recovering well :)

    I gave DS3 £8 yesterday for two days bus fares. But that was my only other spending yesterday.

    I'm feeling a bit dopey today after wine last night, plus we dropped DS1 at the coach station at 8.00am as he's staying with friends in Cardiff for a couple of days :o

    Hoping to have a NSD today, do some surveys and get lots of work done.

    Have a good Friday 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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    I forgot to say that yesterday I transferred £15.79 of survey money into paypal and when it appears I'm going to add it to my car/Christmas savings account :) That will make the total £33.80.
    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
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    Part of the Furniture 1,000 Posts Name Dropper I've been Money Tipped!
    Sounds like you had a great evening Hairy :)

    Have a lovely day xx
  • beanielou
    beanielou Posts: 95,831 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that you had a good night :)
    Happy Friday :)
    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.
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