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

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  • beanielou
    beanielou Posts: 96,506 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    I would not have even thought of taking anything into school!
    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.
  • I thought the children would like it :) I feel like I know them quite well now.
    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
  • Sounds like lots of progress, hope things fall into place.

    The talk of cards reminded of the cost of stamps, even second class is quite a lot. The stamps often more than the card. I don't know why but my head is stuck on 26p for first classs so 60 odd pence is a real shock.
  • :eek:91 cards:eek: I've got about 10 to send and thats it:rotfl:
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 11 December 2018 at 10:17PM
    Sounds like lots of progress, hope things fall into place.

    The talk of cards reminded of the cost of stamps, even second class is quite a lot. The stamps often more than the card. I don't know why but my head is stuck on 26p for first classs so 60 odd pence is a real shock.

    Thanks Redo :). It is a shock when you hear the price of a stamp :eek:. No wonder a lot of people have stopped sending cards. I make sure they all go second class as it adds up over so many. Luckily my stepdad gave me some stamps this year which helped.

    For the business we email invoices and order forms now instead of posting them, which saves a lot of money.
    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
  • :eek:91 cards:eek: I've got about 10 to send and thats it:rotfl:

    It's not me sending 91 :).
    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
  • It's not me sending 91 :).
    Oops I did know that Hairy but forgot to quote Elizabeth :rotfl:
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • I belong to three clubs which account for ~30 of the cards. Also we still exchange cards with people we met on holiday in the 70's - once I start it's never me who stops !
    I send all mine first class because the test posting I do for the Royal Mail (shh I'm not supposed to say I do it!) pays in first class stamps, and occasionally Love2Shop vouchers. I hadn't realized stamps are such a horrendous amount these days.

    I know exactly how the 'little cry' feels, HH. It took me AGES of driving to the same area as my parents, and knowing they would never be there again, before the journey could be accomplished without tears. And then I just had to 'see' my father driving a car, or the back of my Mum's head on a street and I'd get choked again. I'm sorry that doesn't help at all, but at least you know others understand. It will get better eventually, but there will always be a tender area.
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    edited 12 December 2018 at 8:08AM
    I send all mine first class because the test posting I do for the Royal Mail (shh I'm not supposed to say I do it!) pays in first class stamps, and occasionally Love2Shop vouchers. I hadn't realized stamps are such a horrendous amount these days.

    I used to take part in the 'secret' assignments that you whispered about;). That's until my cover was possibly blown and I was sacked from the panel:mad:. I was really upset about it as I'd done it for years, enjoyed it and found the 'payment' really useful. There are so few opportunities for making extra money in rural areas:(


    The problem was my honesty, in hindsight I should have kept quiet and carried on regardless but one day I received one of those polybags from Royal Mail with a 'sorry, your letter was accidentally damaged in transit' kind of letter. Enclosed was a mailing from another participant on the panel, including the transponder:eek:. The contents were intact but the brown mailing envelope was split and everything had come out. I let the survey company know because it seemed important that they should be told that their envelopes are flimsy. Several previous other ones arrived looking very worse for wear especially along the seams/edges as I think the automatic sorting machinery roughs them up a bit:eek:. They don't always stick down properly either(I always added a bit of Sellotape to mine as some envelopes have partly opened up in the past on their way to me). They immediately phoned me asking me to send everything back and said they'd regretfully removed me from the panel as they could not be sure if RM (my local sorting office and postman mainly) were now aware I was participating in the research. As you know, it all has to be very top secret.


    I do think that someone locally realised I was watching them though as ever since then our postman, a grumpy individual at best, has been all sweetness and light. He can't do enough for me. I appreciate getting VIP treatment from him:j. Long may it continue, even though I haven't been a panellist for a couple of years now:rotfl:
  • I had no idea of the secret thing for the post. What a great idea!

    Hope you're ok Hairy, xx
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
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