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Finally Debt Free After 34 Years, But Still Need to Live Frugally
Comments
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Lots of book lovers here
. I prefer real books too and don't even own a Kindle. I manage to squeeze a book or two in my suitcase when I go away, but I'm usually staying with family so can always borrow a book.
I de-cluttered a load of books when we moved to this house fifteen years ago, but regretted it and have been gradually collecting them again from charity shops. I'd rather get rid of ornaments than books when I de-clutter.
@MTG my stepdad says that Petunias should flower all summer, not sure about next year. Bedding plants do tend to be annuals, but daffodils, Narcissi, Grape Hyancinths and Primulas should last year on year. Violas go woody so are worth replacing each year.
@Cumbria I mostly read murder mysteries but can recommend a ton of those. Ann Cleeves is the author behind the Shetland and Vera series, the books are worth reading. Andrea Camilleri wrote the Inspector Montalbano books.
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 -
I have daffidols that still flower after 29 years!!!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.0 -
Now that is good value Beanie
.
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 -
Another book lover here. I used to get handed loads like CBC and it really widened my repertoire. I also challenged myself to read the '1001 books you must read before you die', which was good fun. I used to walk around charity shops/car boot sales with a list of the ones I needed.
I am now seriously decluttering the books. I love the look of them, but want the space. The only ones I keep now are the authors/titles I love, and as I am working through the massive 'to be read' pile, it's nice to see space again. I used to have multiple bookcases all double stacked, with books piled on top and loads of stacks all over the floor too. I do have a kindle, but don't use it much as trying to reduce the quantities of books in the house. I never leave the house without a book in my bag!"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 McGee0 -
Another book lover here. I used to get handed loads like CBC and it really widened my repertoire. I also challenged myself to read the '1001 books you must read before you die', which was good fun. I used to walk around charity shops/car boot sales with a list of the ones I needed.
I never leave the house without a book in my bag!
That challenge sounds a good one:T. I'll look it up and see if there's anything on it that I already have but haven't got round to reading. I might get the rest via charity shops, car boot sales, jumble sales and the mobile library. I'm hoping to pay my debts off this year and have promised myself that I'll spend the minimum on books this year. Reading is my only real personal 'spend' so I can't really go cold-turkey but I'm definitely not buying any brand new books.
I'm not sure if any of you remember the BBC Big Read (I think that's what it was called) from way back around 2006ish. They published a 'shortlist' of 100 books and we had to vote for our favourite after presumably reading them all. There was a programme at the end which named the nation's favourites in the usual reverse order. Once I get involved in anything like that I'm a bit OCD about it and determined to read/re-read the whole 100 which I did:j. I'd already read a lot of the classics on there from my earlier life and had to borrow some of them again from the library because I'd long since given my own copy away:o. It was strange to see how my fondness or otherwise for them had changed after so much time between readings. My younger self was a totally different person:eek:.
It certainly widened my reading horizons though, I read authors like Terry Pratchett among others for the first time. Some authors I liked and wanted to read more books by them, other books I was pleased when I'd finished and could cross off the list. There was only one book I gave up on:o and it maybe will surprise Hairy, being a historian, but it was Katherine by Anya Seton. Oh, make that 2. I still never got to finish James Joyce's Ulysses. That's 3 times I've tried:rotfl:. One of the ones that gave me the most pleasure, surprisingly as I'd found the TV series a turnoff, was The Thorn Birds. I love a big, heavy tome to get my teeth into:j
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Another book lover here. I used to get handed loads like CBC and it really widened my repertoire. I also challenged myself to read the '1001 books you must read before you die', which was good fun. I used to walk around charity shops/car boot sales with a list of the ones I needed.
I am now seriously decluttering the books. I love the look of them, but want the space. The only ones I keep now are the authors/titles I love, and as I am working through the massive 'to be read' pile, it's nice to see space again. I used to have multiple bookcases all double stacked, with books piled on top and loads of stacks all over the floor too. I do have a kindle, but don't use it much as trying to reduce the quantities of books in the house. I never leave the house without a book in my bag!
I need more storage but my ultimate goal is to turn the dining room into a library (as we have a table in the kitchen). That should provide plenty of book storage
.
carbootcrazy wrote: »That challenge sounds a good one:T. I'll look it up and see if there's anything on it that I already have but haven't got round to reading. I might get the rest via charity shops, car boot sales, jumble sales and the mobile library. I'm hoping to pay my debts off this year and have promised myself that I'll spend the minimum on books this year. Reading is my only real personal 'spend' so I can't really go cold-turkey but I'm definitely not buying any brand new books.
I'm not sure if any of you remember the BBC Big Read (I think that's what it was called) from way back around 2006ish. They published a 'shortlist' of 100 books and we had to vote for our favourite after presumably reading them all. There was a programme at the end which named the nation's favourites in the usual reverse order. Once I get involved in anything like that I'm a bit OCD about it and determined to read/re-read the whole 100 which I did:j. I'd already read a lot of the classics on there from my earlier life and had to borrow some of them again from the library because I'd long since given my own copy away:o. It was strange to see how my fondness or otherwise for them had changed after so much time between readings. My younger self was a totally different person:eek:.
It certainly widened my reading horizons though, I read authors like Terry Pratchett among others for the first time. Some authors I liked and wanted to read more books by them, other books I was pleased when I'd finished and could cross off the list. There was only one book I gave up on:o and it maybe will surprise Hairy, being a historian, but it was Katherine by Anya Seton. Oh, make that 2. I still never got to finish James Joyce's Ulysses. That's 3 times I've tried:rotfl:. One of the ones that gave me the most pleasure, surprisingly as I'd found the TV series a turnoff, was The Thorn Birds. I love a big, heavy tome to get my teeth into:j
You are much better read than I am Carboot.
I should try and widen my repertoire as I mainly read crime fiction. Maybe when I retire I can get down to some serious reading...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 -
Spring seems to have vanished here, it's been dull all day and drizzling since lunchtime
. It's lucky I did my gardening yesterday.
I've been in working all day, so not the most exciting of days. I'm not a fan of wet Mondays :mad:.
I did two PA surveys for 60p and 25p and that's the most exciting thing I've done all day. Roll on Tuesday.
I hope everyone else is having a thrilling and fun filled day :rotfl:.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 -
We've had rainy, dank misty weather all day here Hairy.
. Can't say my day has been thrilling either - work, work!
Re authors - if you like a big sprawling read try Susan Howatch or Margaret George - they are both brilliant - Susan Howatch hasn't written anything for the last few years and must be in her late 70s now so you may well come across her books during one of your charity shop trips!
Have a good evening!:)Finally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
So many authors to read, so little time
. My granny used to read the Jalna books by Mazo de la Roche, which are a big family saga, you don't see those around very often but they were very good.
Hopefully we'll both have better weather tomorrow.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 -
Another crime fiction fan here.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.0
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