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

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Comments

  • If you're planning your usual Saturday Saunter, HH, I hope you have a good one and spot lots of bargains:beer:
    Nicnak wrote: »
    Hoping you can go on your Saturday Saunter this morning. x

    Thanks both of you :). DH said I can have £10 to spend but I'm not convinced we can afford it. And I'll still don't have my clothes horse :mad:.

    I'm meeting my stepdad for coffee and then going to have a flu jab, so I'll probably just come home after that.
    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
  • Glad you'll be getting out though. Perhaps halve the £10 and put £5 away? That way you get out, a coffee and maybe a book, and then still have some left over. I try to do stuff like that when I feel guilty. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • doingitanyway
    doingitanyway Posts: 10,314 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Enjoy the coffee with your stepdad
    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
  • Nicnak wrote: »
    Glad you'll be getting out though. Perhaps halve the £10 and put £5 away? That way you get out, a coffee and maybe a book, and then still have some left over. I try to do stuff like that when I feel guilty. x
    Enjoy the coffee with your stepdad

    Thanks :). Stepdad always insists on paying for coffee ;).

    I asked DH if I could put £10 towards clothes horse and he said yes. I've decided on a slightly cheaper one and I just cashed out £10.56 from PA, so I can afford my second clothes horse now :T. This is going to make such a difference now, I can really catch up with the washing without using the tumbler :D.
    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
  • yay for clothes horse! woohoo!!

    x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • The things we get excited about :o:D
    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
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    edited 17 November 2018 at 1:54PM
    The things we get excited about :o:D

    I don't blame you at all for getting excited about the new clothes horse. It will make your life so much easier. Things we depend on like that become like old friends. I'm using a cordless steam iron that a friend gave me about 20 years ago when she was upgrading, It was the first cordless iron I'd ever had although I'd had my eye on one for ages before. My corded one was fine though so I didn't really 'need' a cordless one so didn't spend on one. Once I used the gifted one though it made ironing so much easier, I even got to quite enjoy doing it:rotfl:. Now I think it's on its last legs and need to buy a replacement soon. It will be like saying goodbye to a good friend:(. I'll be really excited to have a new one though.
  • Can you get cashback and click n collect for the clothes horse?
    Mortgage at 01.01.14 £119,481.83:eek: today £0 Emergency fund £5.5/5.5k & £200/200 cash.:jWeight 24/02/19 14st 7lb now 12st determined to stop defining myself by my mistakes. Progress not perfection.:T100%through my 1% mortgage challenge. 100% through my pb challenge.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 17 November 2018 at 4:25PM
    We got our current clothes horse from Mr T several years ago and are very happy with it, so we thought we'd get another one the same. It's very sturdy, holds a lot of laundry, is easy to fold up, etc.

    I met my stepdad for coffee for about an hour and a half. Then I got my flu jab. I succumbed to two hardback books in the charity shop :o, 'The Thirst' by Jo Nesbo and a PJ Wodehouse. I bought bananas and satsumas and then came home.

    Total spends were £2.40 on bus fares, £3 on books, £2.42 on fruit and £9.99 on the flu jab. So a total of £17.81. Quite a spendy day :(.

    I feel quite light headed and a bit unwell since my flu jab :( so my chores today will have to wait. Last year it made me feel ill for a few days and then I went and caught the flu anyway :mad:. Anyway that's the reason I had the jab at the weekend so at least I can rest and recover. Hopefully the symptoms won't last long.
    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
  • I'm glad you decided to have the flu jab, HH. I get mine free being an OAP:eek: but some years I haven't bothered having one. OH always has his because he has a form of leukaemia and reduced immunity to things so in his case it's essential as a dose of the flu is the last thing he needs. I had one this time though because reports suggest there could be quite a serious outbreak this winter and a more virulent strain of flu at that:(. Good idea of yours to have it at the weekend. I hope your after effects will soon pass:beer:
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