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

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Comments

  • Seasidegal58
    Seasidegal58 Posts: 6,137 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    The vitamins sound a good idea Hairy whilst you're still feling under par.

    And great news for DS3 on the bursary!:j. You're right - it will be a great help.

    Hope it's the reading that's on the cards at the volunteering tomorrow, rather than the bread kneading!:)
    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: 96,506 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Oh & good news on bursary for DS.
    Every little helps :)
    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
    Seasidegal58 wrote: »
    The vitamins sound a good idea Hairy whilst you're still feling under par.

    And great news for DS3 on the bursary!:j. You're right - it will be a great help.

    Hope it's the reading that's on the cards at the volunteering tomorrow, rather than the bread kneading!:)

    :rotfl::rotfl: I hope so too
    beanielou wrote: »
    Oh & good news on bursary for DS.
    Every little helps :)

    We don't know for certain he'll get the bursary, but based on our income he should be eligible for it, so fingers crossed :).
    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: 96,506 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    My DS got his ok but of course we are in Scotland.
    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.
  • System
    System Posts: 178,368 Community Admin
    10,000 Posts Photogenic Name Dropper
    Happy volunteering today HH. Glad you are on the up and up.
    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
    Cumbria_lass wrote: »
    Happy volunteering today HH. Glad you are on the up and up.

    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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy Thursday everyone :).

    I slept really badly last night, partly because I knew I had to get up early :(. I didn't feel like going to my volunteering this morning but I forced myself to go and when I got there I really enjoyed it.

    I managed some work this afternoon too. I'm getting stronger every day.

    It's been a NSD so far and I did a rare YG survey.

    I hope everyone is having a good day today.
    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
  • 117pauline
    117pauline Posts: 743 Forumite
    Part of the Furniture 500 Posts
    I take Vitamin B12 and D supplements which do seem to help. I noticed a huge difference after about a month of taking them.

    After one beautiful bright sunny day we are now back to cold, dull and rainy. My 1p each violas have been watered, deadheaded and looking beautiful, just waiting till the weather is a bit more settled.

    Is there anything nicer than sitting with a child and a book? Seeing the excitement when they find they can read. Brilliant.

    I am 600 points away from payout for yougov. I have found that if you do the directors cut and the prize draw surveys, you get more ordinary ones.

    Good that you are starting to feel brighter

    Take care honey
    Pauline
    Don't get it perfect - Get it going
    Better Than Before
  • beanielou
    beanielou Posts: 96,506 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    What is the directors cut on You Gov please?
    Seem to have missed that.
    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.
  • beanielou
    beanielou Posts: 96,506 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad that volunteering went well :)
    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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