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

edited 18 November 2017 at 10:49AM in Debt Free Diaries
13.7K replies 768.7K views
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  • NicnakNicnak Forumite
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    That's an area I never dust! ha ha.

    I hope you enjoy the Christmas fair. Even if you are just looking around. I love fairs. Even if I don't buy anything, I just like to see the Christmas makes and it always gives me inspiration!
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
  • NicnakNicnak Forumite
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    Hope you're feeling better soon too. x
    September 6th 2017 - Updated December 2019
    Credit Card £0 now: £0 Consolidation £15,000 = £5,362 Total = £25,330 :(£5,362 79% gone EMF #252 = £1300/£1000
    Pay off all your debts by Christmas #071 = 2020 = £4400.90

    Decluttering target 2361/3500 items
  • please-let-me-be-luckyplease-let-me-be-lucky Forumite
    10.1K posts
    Ninth Anniversary 10,000 Posts Photogenic I've been Money Tipped!
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    Hope the cold doesn’t develop too badly for you Xx
    Debts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
    Best win so far - holiday to Florida

    https://www.facebook.com/Makingmemoriesfor3outof4ofus/
  • I developed a sore throat in the night, have a bit of a runny nose and feel colder than usual, so I think I've caught the cold that was going around the school :(.

    We're going to the Christmas Fair at the NT place that stepdad works for this morning. We can't afford to buy anything so we'll just look around. We're going to give moral support to stepdad who is on car park duty all day. After that we'll be at home for the rest of the day and will do some work on my business.

    It's not raining yet, but it fooled me that way yesterday :eek:.

    Have a nice Sunday everyone :).

    I hope you'll be feeling better soon and the cold doesn't develop. Here's a nice hot drink :coffee:


    I expect I'll show some symptoms soon too:(. I went to pick up OH's repeat prescription on Friday at the pharmacy at our GP surgery. The joint waiting room was packed with people coughing and sneezing so I sat near the door where no on else fancied sitting. Then a woman came in and sat down beside me and was coughing and sneezing more than anyone else:eek:. I tried to turn away from her by squirming in the chair but she insisted on talking to me, spluttering in my face all the while as I had to turn in her direction to be polite. She was laughing that she'd sat near the door so as not to give her germs to anyone else:rotfl:. Obviously that didn't include me. Goodness knows what I might have picked up:mad:


    I'm feeling OK so far but have no idea how long colds take to develop.


    I hope you have a lovely day and the weather is kind. It's drizzling here, not really a day to venture far. Nice of you to support Stepdad:beer:.
  • VerbatimVerbatim Forumite
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    Another vote for large items of washing over doors here. I now have a "Sheila Maid", a slatted airer with a pulley to raise and lower it. I hang everything with arms on hangers to maximise space but with 4 slats I can always get at least a full load on. I now have a tiny utility room with a high ceiling so it's in there.
    CCs @0% £24k Dec 05 £19,621.41 Au £13400 S 12600 Oct £11,981 £9481 £7500 Nov £7250 D £7100 Jan 6950 F £5800 Mar£5400 May £4830 June £4660 July £4460 Aug £3200, S £900, £0 18/9/07 DFW Nerd 042
  • in_need_of_directionin_need_of_direction Forumite
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    I tend to drape towels and bedding over the upstairs banisters. I'd be afraid to use the tops of my doors
    Mortgage at 01.01.14 £119,481.83:eek: today £60767.23 Offset fund today 1306.16 target £2000 by 31/12/20
    Emergency fund £5.5/5.5k & £200/200 cash.:j
    Weight 24/02/19 14st 7lb now 13st 6lb
    determined to stop defining myself by my mistakes.
    Progress not perfection.:T
  • Verbatim wrote: »
    I now have a "Sheila Maid", a slatted airer with a pulley to raise and lower it.

    That sounds like the type of thing we had at home when I was a young child. It was in the kitchen which was immediately below my bedroom and I remember being terrified when I heard my Mum raising it because the pulley squeaked and the rack creaked right below me. I thought there was some sort of monster or other scary thing under my bed:eek:. She soon reassured me but if I ever heard it as I was on the verge of sleep and woke up a bit confused I was in a real state. It's the only thing I can ever recall really scaring me. Strange how the mind plays tricks isn't it?
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    Nicnak wrote: »
    Hope you're feeling better soon too. x
    Hope the cold doesn’t develop too badly for you Xx
    I hope you'll be feeling better soon and the cold doesn't develop. Here's a nice hot drink :coffee:


    I expect I'll show some symptoms soon too:(. I went to pick up OH's repeat prescription on Friday at the pharmacy at our GP surgery. The joint waiting room was packed with people coughing and sneezing so I sat near the door where no on else fancied sitting. Then a woman came in and sat down beside me and was coughing and sneezing more than anyone else:eek:. I tried to turn away from her by squirming in the chair but she insisted on talking to me, spluttering in my face all the while as I had to turn in her direction to be polite. She was laughing that she'd sat near the door so as not to give her germs to anyone else:rotfl:. Obviously that didn't include me. Goodness knows what I might have picked up:mad:


    I'm feeling OK so far but have no idea how long colds take to develop.


    I hope you have a lovely day and the weather is kind. It's drizzling here, not really a day to venture far. Nice of you to support Stepdad:beer:.

    Thanks all :). I'm dosing myself with hot tea and paracetamol atm.
    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 = £1,500/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • HairyHandofDartmoorHairyHandofDartmoor Forumite
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    Verbatim wrote: »
    Another vote for large items of washing over doors here. I now have a "Sheila Maid", a slatted airer with a pulley to raise and lower it. I hang everything with arms on hangers to maximise space but with 4 slats I can always get at least a full load on. I now have a tiny utility room with a high ceiling so it's in there.
    I tend to drape towels and bedding over the upstairs banisters. I'd be afraid to use the tops of my doors
    That sounds like the type of thing we had at home when I was a young child. It was in the kitchen which was immediately below my bedroom and I remember being terrified when I heard my Mum raising it because the pulley squeaked and the rack creaked right below me. I thought there was some sort of monster or other scary thing under my bed:eek:. She soon reassured me but if I ever heard it as I was on the verge of sleep and woke up a bit confused I was in a real state. It's the only thing I can ever recall really scaring me. Strange how the mind plays tricks isn't it?

    The sheila maiden sound useful.
    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 = £1,500/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
  • edited 11 November 2018 at 3:43PM
    HairyHandofDartmoorHairyHandofDartmoor Forumite
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    edited 11 November 2018 at 3:43PM
    We're officially the biggest tightwads in Britain :rotfl:. We didn't spend a penny at the Christmas Fair (although we used the loos a couple of times :)). We got in free with our NT membership cards, took hot coffee with us in travel cups and drank it in the gardens, looked around the stalls but didn't buy a thing :T.

    We had to spend £18.60 on petrol on the way there, but that will last a while and we used a petrol voucher to get a couple of quid off. On the way home we spend £5.68 on 15 eggs, tortilla wraps for DH, 4 pints pf milk and sesame bagels for DS1 (he's going to give us the money for them when he gets his next payment).

    So not a NSD but all stuff we needed. There was some lovely food, drink and Christmas craft items at the Fair but nothing we needed. So we just enjoyed looking. I saw a lovely white table runner with reindeer on but I didn't buy it :A.
    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 = £1,500/£5,000. EMERGENCY FUND 2 = £50/£5,000.
    CHRISTMAS SAVINGS = £144.37/£500
    PREMIUM BONDS ME = £300. PREMIUM BONDS DH = £300
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