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

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Comments

  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    edited 26 October 2018 at 9:50AM
    Thanks Elizabeth and Cumbria. The cup of coffee will certainly be cheaper than the wedding. It's one of those weddings where the bride and groom hire a manor house in the middle of nowhere, so it's about 450 miles away and the only hotels nearby are boutique one costing £135 per night :eek:. It's just as well we can't go.

    Even if we had the money it would be more sensible to put it in an emergency fund.

    :eek::eek::eek: to the hotel costs. Sounds like a lot of people from your part of the world aren't going so don't feel bad about it.


    A close friend of my SIL married a few years ago (2nd time around for bride and groom so you might have thought they'd not have splashed out so much) but they wanted a mediaeval theme and hired a mediaeval castle venue. The guests had to wear mediaeval fancy dress. I kid you not:eek:. Some of the men turned up in sort of chain mail which I bet was mighty uncomfortable as it was a very hot summer day. My brother and SIL had to spend a huge amount of money hiring costumes, it wasn't the sort of event where you could just cobble an outfit together from an old curtain and bits and bobs at home:rotfl:. They didn't want to let the side down anyway as they felt honoured to be on the guest list. There were lots of disgruntled people who didn't get an invitation. What with the costume hire (and collecting and taking them back a great distance away), getting to the venue and the cost of the wedding gift it was a very expensive event indeed.


    On the plus side, the mediaeval-style meal at the reception was unforgettable, the photos were wonderful and a bit of the wedding was even featured in a short clip on their local TV news programme. It wasn't shown in our area but my Mum saw it and even spotted my brother.

  • Yes I think counselling may help so I should also ring the doctor today. I was feeling too miserable yesterday to do anything very proactive, but I slept much better last night.

    Great that you had a better night's sleep, HH. Very hard to get to sleep with so much preying on your mind so it will have done you good to drift off from it all for one night at least:j


    I hope you get some satisfaction from your electricity supplier. We were with NPower for donkey's years until 2008 but I switched to Scottish Power after putting up with constant really bad service from NP and endless problems over readings and billing. Scottish Power don't get a very good press for cusrtomer service but on the rare occasions I've had to contact them they've been really helpful and efficient.
  • The mediaeval style wedding sounds interesting Carboot and hilarious, but very pricey for the guests :eek:.

    I'm totally fed up with NPow3r but as we owe them money we are stuck with them for now :mad:.

    I've eaten one frog and rung the doctor anyway. I've finally managed to book a flu jab and also asked for a doctors appointment. Tbey always ask what the appointment is for so I said I wanted to ask for counselling. Just saying those words made me feel upset :(. Anyway I've got a telephone appointment booked for the 8th November now to talk to a doctor.

    I need to do some chores before I go out as we've run out of clean towels again.

    I'll leave NPow3r for this afternoon as the way I feel now I'll probably be crying on the phone to them :(.
    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
  • doingitanyway
    doingitanyway Posts: 10,300 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Well done for making the call.

    Find something nice for yourself today. It doesn't have to cost. Take care.
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Dorastar
    Dorastar Posts: 2,175 Forumite
    Part of the Furniture 1,000 Posts
    No words of wisdom but hope you can meet up with family and also well done on making the call.
    Mortgage £119,533 going down slowly
    Emergency fund £1000/£1000
    Savings for big things £9017
  • I'd challenge n. power too. I know rates have gone up but that is ridiculous. I confidently thought our water bill would go down now that SS isn't having stupidly long showers and running the WM with one thing in but it's actually increased which is mad.
  • Willowtree222
    Willowtree222 Posts: 8,284 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    edited 26 October 2018 at 1:15PM
    Making that first start will be the hardest x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • beanielou
    beanielou Posts: 96,469 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Pleased that you managed to make the call.
    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.
  • jwil
    jwil Posts: 22,375 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Well done on ringing the doctor. xx
    "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
  • Well done for making the call.

    Find something nice for yourself today. It doesn't have to cost. Take care.
    Dorastar wrote: »
    No words of wisdom but hope you can meet up with family and also well done on making the call.
    Nicnak wrote: »
    Making that first start will be the hardest x

    Thanks all :)
    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
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