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

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  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    HairyHandofDartmoor wrote: »


    Thanks Carboot :).

    A shame about the earrings but as you say they were a want rather than a need. Although a little bit of what we want can be good for us occasionally :).

    Thank you:)

    I think I've gone without anything nice for so long while trying to throw every penny at my debts that the experience of buying things for myself so I didn't disgrace myself at my bother's funeral seems to have gone to my head:o. I still feel like a million dollars in my 'new to me' charity shop black coat and I wear it whenever I go out, even to the supermarket at 7 in the morning:rotfl:. It's made me want nice accessories too but I know that's just me being frivolous and silly:o
  • jwil
    jwil Posts: 22,388 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Happy belated birthday!
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Sounds like a lovely Birthday weekend HH

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Seasidegal58
    Seasidegal58 Posts: 6,137 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Belated wishes from me too! You've had a lovely weekend!


    Hope you come up with some good ideas on the work action plan this week.
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    carbootcrazy wrote: »
    Thank you:)

    I think I've gone without anything nice for so long while trying to throw every penny at my debts that the experience of buying things for myself so I didn't disgrace myself at my bother's funeral seems to have gone to my head:o. I still feel like a million dollars in my 'new to me' charity shop black coat and I wear it whenever I go out, even to the supermarket at 7 in the morning:rotfl:. It's made me want nice accessories too but I know that's just me being frivolous and silly:o

    It's not frivolous and silly to want nice things, it's NORMAL. I'm glad you love your coat and I think you should treat yourself more often!
    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
    jwil wrote: »
    Happy belated birthday!
    WannabeFree wrote: »
    Sounds like a lovely Birthday weekend HH

    x
    Seasidegal58 wrote: »
    Belated wishes from me too! You've had a lovely weekend!


    Hope you come up with some good ideas on the work action plan this week.

    Thanks all I had a great 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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Hi everyone :).

    I feel much more 'normal' today. I went for my park walk this morning (albeit a shorter one because my legs got tired). It was a bit soggy underfoot but I saw lots of daffodils and a magnolia tree blooming :). And now I'm cooking a 'proper' meal instead of shoving something in the oven. So I'm feeling very virtuous today :D.

    I did a £2 PA survey and I felt like we got a reasonable amount of work done in the office. I've eaten healthily all day too so feel much more energetic.

    I was pleased on my birthday because DS1 gave me a lovely card and has ordered me a Penguin Books mug (I've always wanted one of those :D), DS2 gave me some little silver elephant earrings and DS3 gave me a box of Roses.

    It means so much when your grown up children bother to buy you things :).

    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 MONTHS
  • beanielou
    beanielou Posts: 96,525 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Oooh I like those Penguin Books mugs :)
    Enjoy :)
    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
    They're nice aren't they? :D. I'd love to collect the lot but they're a bit pricey. I have two of the Penguin tote bags that were given to me as gifts :).
    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
  • Cherryfudge
    Cherryfudge Posts: 13,715 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    I know I'm really late (:o) but I wanted to say happy birthday too!
    I think a bit of sunshine is good for frugal living. (Cranky40)
    The sun's been out and I think I’m solar powered (Onebrokelady)

    Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
    2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
    20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/22
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