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
Comments
-
HairyHandofDartmoor wrote: »Very lucrative anyway, I'm going to add it to my birthday money and buy some clothes
. Screw the bills!
Quite right too:T. You work so hard and doing the best for your family is at the forefront of everything you do. Plus, you've been really ill for several weeks. If all that doesn't merit treating yourself once a year I don't know what does. Enjoy every penny of it:beer:
I expect you'll be treating yourself to something from a 'proper' shop but I know you like charity shops too. I've always been a charity shop fan even when I had a decent disposable income (I can just about remember that far back:o) and often picked up really nice clothes there. Recently I was looking for a smart, warm, black coat to wear for my brother's funeral last Wednesday. The weather being awful I didn't want to risk driving to our nearest 'big' town almost 20 miles away so I had to risk finding something in the few charity shops in my tiny nearest town. I couldn't afford 'proper' shop prices this time. Typically, I'd left getting one to the last minute as usual:o
I was getting desperate as none of the charity shops had anything suitable or the only suitable thing they did have didn't fit me:eek:. The very last shop I went in had a gorgeous 'fur' trimmed black wool and cashmere coat which looked 'as new' There was even a dry-cleaning ticket still attached. Miraculously it fitted me:j and was exactly the kind of coat I would have bought even if I'd had a massive choice. It cost £14.50 which I suppose was a bit steep for a charity shop:eek: but it's real quality and I felt a million dollars when wearing it. Several people commented on how much they liked it.0 -
Wow, that was a bargain CBCI 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.0 -
carbootcrazy wrote: »Quite right too:T. You work so hard and doing the best for your family is at the forefront of everything you do. Plus, you've been really ill for several weeks. If all that doesn't merit treating yourself once a year I don't know what does. Enjoy every penny of it:beer:
I expect you'll be treating yourself to something from a 'proper' shop but I know you like charity shops too. I've always been a charity shop fan even when I had a decent disposable income (I can just about remember that far back:o) and often picked up really nice clothes there. Recently I was looking for a smart, warm, black coat to wear for my brother's funeral last Wednesday. The weather being awful I didn't want to risk driving to our nearest 'big' town almost 20 miles away so I had to risk finding something in the few charity shops in my tiny nearest town. I couldn't afford 'proper' shop prices this time. Typically, I'd left getting one to the last minute as usual:o
I was getting desperate as none of the charity shops had anything suitable or the only suitable thing they did have didn't fit me:eek:. The very last shop I went in had a gorgeous 'fur' trimmed black wool and cashmere coat which looked 'as new' There was even a dry-cleaning ticket still attached. Miraculously it fitted me:j and was exactly the kind of coat I would have bought even if I'd had a massive choice. It cost £14.50 which I suppose was a bit steep for a charity shop:eek: but it's real quality and I felt a million dollars when wearing it. Several people commented on how much they liked it.
What a bargain Carboot, that sounds fabulous :T. The clothes in our local charity shops tend to be a bit tatty unfortunately, but I've had some amazing book bargains, as well as nice framed photos of the local area, a t
Pyrex bowl for £1 etc.
It's always worth a look.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 MONTHS0 -
Today I had another seven PA surveys!!!!!! :T:j:beer:. I've cashed out £21.45 and still got £11.80 pending :T. It can't last but I've temporarily hit gold so I've been making the most of it
. It makes up for four wasted weeks anyway.
Apart from that I've done boring old work and a bit of housework.
I filled in DS3's passport form and found the photos left over from his Citizencard application (£6 saved there). I've filled it in in pencil and I'm just waiting for DH to check it for mistakes before I go over it in pen. Then we just need our friend to suggest a convenient time for countersigning it (more beer purchased as a thank you!).
Tomorrow we need to apply for DS3's university accommodation, it's non stop :eek:. We have to pay a deposit of £300 in May once his choice is confirmed :eek::eek::eek::eek: and I have no idea where the money for that will come from as he won't get his loan until September.
We also need tp print out an Amazon voucher today for me to pop in my step mum's card and post tomorrow. Her birthday is the same day as mine would you believe!
I hope everyone is having a good Tuesday.
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 MONTHS0 -
HairyHandofDartmoor wrote: »Today I had another seven PA surveys!!!!!! :T:j:beer:. I've cashed out £21.45 and still got £11.80 pending :T. It can't last but I've temporarily hit gold so I've been making the most of it
. It makes up for four wasted weeks anyway.
That's absolutely brilliant:T:j
I got 2 PA ones that I was supposedly eligible for today but one needed a webcam which I don't have and the other was so complicated to understand (obviously written by a non native English speaker:eek:) for the princely sum of 85p that I returned it unfinished after spending quite a long time on it:(.
I'm now only 300 points away from the £50 cashout on YouGov but it's taken nearly 3 years to get to that level:eek:. I've had a few cashouts in the many years I've been doing their surveys but I'm thinking of closing my account once I've been paid this time.0 -
Wow its all go for you HHOD xxMummytogirls x0
-
carbootcrazy wrote: »That's absolutely brilliant:T:j
I got 2 PA ones that I was supposedly eligible for today but one needed a webcam which I don't have and the other was so complicated to understand (obviously written by a non native English speaker:eek:) for the princely sum of 85p that I returned it unfinished after spending quite a long time on it:(.
I'm now only 300 points away from the £50 cashout on YouGov but it's taken nearly 3 years to get to that level:eek:. I've had a few cashouts in the many years I've been doing their surveys but I'm thinking of closing my account once I've been paid this time.
I got that one and I don't have a web cam either, otherwise I would have had eight surveys. Ocasionally the surveys are a bit difficult to understand, but I try and muddle through to the end so I can get my points. Some of them are really fun to do
.
YG hates me at the moment and I reckon it's going to take me another year to get my £50 but I keep going. At least it doesn't screen me out after ten minutes like some companies :mad:.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 MONTHS0 -
mummytogirls wrote: »Wow its all go for you HHOD xx
I know. I'm loving the surveys :j but I'll be glad to get the passport and accommodation sorted, things like that always stress me out :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 MONTHS0 -
HairyHandofDartmoor wrote: »I got that one and I don't have a web cam either, otherwise I would have had eight surveys
. Ocasionally the surveys are a bit difficult to understand, but I try and muddle through to the end so I can get my points. Some of them are really fun to do
.
YG hates me at the moment and I reckon it's going to take me another year to get my £50 but I keep going. At least it doesn't screen me out after ten minutes like some companies :mad:.
I don't mind if the surveys are difficult to understand because of the subject matter or tasks involved, in fact I enjoy those the most. If the language is confusing enough to make what needs doing open to a lot of potential errors then I don't persist. I tend to think my responses in these cases might be unreliable to an academic researcher:o0 -
You're probably right Carboot. I'm not sure I've had one like that yet
.
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 MONTHS0
Confirm your email address to Create Threads and Reply

Categories
- All Categories
- 352K Banking & Borrowing
- 253.5K Reduce Debt & Boost Income
- 454.1K Spending & Discounts
- 245K 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