We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

1…221222224226227…1551

Comments

  • System
    System Posts: 178,367 Community Admin
    10,000 Posts Photogenic Name Dropper
    How is the patient today ?
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    abba1772 wrote: »
    At least there's something positive of you having the flu with regards to the weight loss xx

    Remember to take it easy xx
    WannabeFree wrote: »
    Don't jump back into doing too much too soon

    Take it easy

    x
    Cumbria_lass wrote: »
    How is the patient today ?

    Thanks all :).

    I'm still feeling very fatigued with low appetite.

    DS2 is upset because his American girlfriend doesn't want to marry him for a couple of years, so I'm a bit worried about him. Not that I want him to marry her :eek:.

    I'm also worried that DS3 won't get a maintenance loan in September because the pension money makes our income look unnaturally high :(.

    There's always something new to worry about :(. I think the flu is making me feel a bit low too :(.

    Sorry to moan again :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
  • Sun_Addict
    Sun_Addict Posts: 24,331 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    It's never ending HH, there's always something. Might seem worse because you're at a low ebb though.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • beanielou
    beanielou Posts: 96,468 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    You are not moaning.
    IT is just how you see it.
    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.
  • Eager_Elephant
    Eager_Elephant Posts: 4,714 Forumite
    Part of the Furniture 1,000 Posts Combo Breaker
    HairyHandofDartmoor wrote: »
    T
    I'm also worried that DS3 won't get a maintenance loan in September because the pension money makes our income look unnaturally high :(.
    :o.

    Glad to see you up and about doing very small things - hopefully you will really turn the corner this week;.

    Although the maintenance grant is based on a previous years income you do have the option of asking them to recalculate it based on this years income if the year in question was high for some reason and this year wont be.

    Pinot has posted on her diary this month to say she has just had confirmation that her daughter will get more of a loan as they have amended their calculation to base it on the current year rather than previous years.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Eager_Elephant wrote: »
    Glad to see you up and about doing very small things - hopefully you will really turn the corner this week;.

    Although the maintenance grant is based on a previous years income you do have the option of asking them to recalculate it based on this years income if the year in question was high for some reason and this year wont be.

    Pinot has posted on her diary this month to say she has just had confirmation that her daughter will get more of a loan as they have amended their calculation to base it on the current year rather than previous years.

    Thank you so much EE that gives me hope.

    Our taxable income without the pension money was £14,000 and all the pension money was spent paying off our debts. So our income would normally be well under the threshold for DS3 to get a full maintenance loan.

    I was worried he wouldn't be able to go to uni in September because of this.

    Thank you :)
    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
    Hi everyone :).

    I managed to do a bit more today. I washed and dried some towels and emptied the dishwasher for DH. I also washed my hair.

    We had a letter from Virgin saying they overcharged us when we cancelled out TV channels nearly two years ago and they are crediting our account £9.65. Well it's a lot better than nothing :).

    DS2 seems more cheerful today. He said he's going to a voodoo museum today and booked a swamp tour for tomorrow. He's due home on Thursday morning :).

    Apart from that I have done nothing and achieved nothing. My Fitbit thinks I'm deceased!
    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
  • redofromstart
    redofromstart Posts: 5,927 Forumite
    Eighth Anniversary 1,000 Posts Photogenic Name Dropper
    It all counts doesn't it, and better than an additional charge.

    Its the hair washing I find hardest when I am having a flare, its exhausting holding your hands up.
    My mortgage free diary: +++ Divide by Cucumber Error.  Please reinstall universe and reboot+++

    GNU Mr Redo

  • System
    System Posts: 178,367 Community Admin
    10,000 Posts Photogenic Name Dropper
    Glad to here you are able to do a few things , take it easy though.
    This is a system account and does not represent a real person. To contact the Forum Team email forumteam@moneysavingexpert.com
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    redofromstart wrote: »
    It all counts doesn't it, and better than an additional charge.

    Its the hair washing I find hardest when I am having a flare, its exhausting holding your hands up.

    Yes it makes a refreshing change from them raising their fees :). Hair washing is very tiring but I feel better for having clean hair.
    Cumbria_lass wrote: »
    Glad to here you are able to do a few things , take it easy though.

    Thanks Cumbria :)
    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
★ ★ ★ Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 351.9K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.1K Spending & Discounts
  • 244.9K Work, Benefits & Business
  • 600.5K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.
Update Your Picture