We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

15665675695715721551

Comments

  • I do like that film. Happy Saturday. Any chance of a Saturday saunter today? it's windy here so a only go out if I need to day. I'm out of tea bags so have to go out!
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Happy Saturday to you Nicnak :). The weather is a bit gloomy and wet at the moment, it was chucking it down overnight.
    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 meeting my stepdad for coffee this morning. I need to get more bananas and cheese and DH wants more hot chocolate. After that I'll see how I feel.

    Two of our customers have gone on holiday abroad before Christmas (they're obviously doing better than we are :(). But the good news is that another customer has said they're going to renew and should pay in a few days :j. That should cover our remaining bills for December and pay for a frugal Christmas :T.
    We will also be able to afford to get the car repairs done that our garage recommended when we had the mot :).

    DH has also asked DS2 for his keep for December, so that can go in a pot, not sure which one yet.

    I need some more trousers for volunteering as my current ones are practically falling down :eek: as I've lost weight, so hopefully I can afford to get some when the customer pays :).

    Have a good Saturday everyone :).
    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
  • jwil
    jwil Posts: 22,388 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news about the customer :T :T
    "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
  • Thanks Jwil :).
    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!
    Hope customer pays soon.
    Happy Saturday :)
    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.
  • Thanks 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 MONTHS
  • doingitanyway
    doingitanyway Posts: 10,314 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Buying new trousers because they are dropping off due to healthy weight loss is a good problem to have :)
    Enjoy your 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

  • I need some more trousers for volunteering as my current ones are practically falling down :eek: as I've lost weight, so hopefully I can afford to get some when the customer pays :).

    Have a good Saturday everyone :).

    Lovely to have lost the weight, at least I hope I'm right in thinking it's lovely (I've lost 13kg this year thanks to the side-effects of Tramadol and I really needed to!!), but of course if you need new clothes it's aggravating.

    A friend of mine who never buys any new clothes, turned her deceased brother-in-laws socks into mittens, and re-used deceased sister's pants and bras ! She complains bitterly about current charity shop prices but is a master of re-using, and getting the most out of. She slits open toothpaste tubes to get another fragment out !
    But she has some excellent ideas, like she buys a pint of s/s milk because she knows I don't care for skimmed, then decants it into a lot of little pots, which are then frozen, and defrosts one when I'm due to come. Now that's really sensible.

    Happy Saturday all, it's very dull & dismal here but not cold.
  • …. She slits open toothpaste tubes to get another fragment out !
    But she has some excellent ideas.....

    Actually, I think the toothpaste tube idea is an excellent idea:j. I once saw a penny pinching programme on TV where someone was slitting open tubes of this and that. You'd be surprised how much is wasted by just tossing the tube when it seems empty. I used to use their tip of rolling/folding over a toothpaste tube (the old fashioned metal ones not so much the plastic ones as it doesn't work the same) when it was nearly used up. You can still squeeze some out that way. I used to do this before I had debts, I've always hated waste.


    I have chapped/rough hands a lot of the time, they always seem to be in water or detergent and I get through hand cream in industrial quantities:o. I've managed to get lots of handcream out of tubes by slitting them open. You'd be amazed how much handcream is left in a tube after just squeezing it doesn't produce any.
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.1K Spending & Discounts
  • 245K Work, Benefits & Business
  • 600.5K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.7K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.