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Finally Debt Free After 34 Years, But Still Need to Live Frugally
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I’m seeing that with my own ds. After several false starts, he’s now studying part time. He’s making a much better fist of it now he wants to do it rather than seeing it as almost a rite of passage. The downside for us is that it defers the point at which they are completely or almost self sufficient.
If there’s a right way to deal with your children, I wish someone would give me the handbook. Like most, I just muddle along in the circumstances that arose while keeping my fingers crossed.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.0 -
in_need_of_direction wrote: »I’m seeing that with my own ds. After several false starts, he’s now studying part time. He’s making a much better fist of it now he wants to do it rather than seeing it as almost a rite of passage. The downside for us is that it defers the point at which they are completely or almost self sufficient.
If there’s a right way to deal with your children, I wish someone would give me the handbook. Like most, I just muddle along in the circumstances that arose while keeping my fingers crossed.
You're right INOD if only there was a handbook :rotfl:.
You just do what seems right at the time, based on common sense, your instincts and how you were brought up. You never know if you're getting it right :eek:.
But I always think that if you love them and do your best, then usually things will turn out all right in the end.
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 MONTHS0 -
HHOD you sound so different now that DS3 is home. I hope you can get off the rollercoaster for a little while now
xx
Mummytogirls x0 -
mummytogirls wrote: »HHOD you sound so different now that DS3 is home. I hope you can get off the rollercoaster for a little while now
xx
Thank you MTG. I missed him a lot as he's never been away from home for this long before. So it's nice to have him home.
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 MONTHS0 -
Based on my FREEZING outing to see Thomas the TE at Didcot yesterday, I hope no-one was caught out without warm clothing ! It was about zero degrees, with a hefty wind-chill factor ! Fortunately we were all wrapped up, and DGS had a padded hood to hide his head in - just imagine volunteering there - hopefully they all wore heavy-duty thermals !! It's a brilliant place to go to with small children - perhaps we'll go again in the Summer !
Enjoy the holiday with DS3, HH ! I don't think offspring have a clue how much one can miss them. And saying goodbye as they waltz off again can be quite choking. To be with one's family is a moment in time to be treasured.0 -
elizabethhull wrote: »Based on my FREEZING outing to see Thomas the TE at Didcot yesterday, I hope no-one was caught out without warm clothing ! It was about zero degrees, with a hefty wind-chill factor ! Fortunately we were all wrapped up, and DGS had a padded hood to hide his head in - just imagine volunteering there - hopefully they all wore heavy-duty thermals !! It's a brilliant place to go to with small children - perhaps we'll go again in the Summer !
Enjoy the holiday with DS3, HH ! I don't think offspring have a clue how much one can miss them. And saying goodbye as they waltz off again can be quite choking. To be with one's family is a moment in time to be treasured.
I feel sorry for anyone working outdoors here as it's been cold with torrential rain all weekend :eek:.
Yes it will be upsetting when DS3 goes back after the holiday. I think the best way to cope is to be busy with my own activities. Which is another reason to be glad about the course I'm doing.
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 MONTHS0 -
We've finished the work on my business, for today :T.
Since then I've been busy peeling potatoes and washing our big saucepan, which had the remains of last night's curry in, ready for stepdad to come to dinner.
It's lucky I have been busy because the weather is awful again :eek:.
DS3 is working in the kitchen as he says it's the warmest room in the house. He said he wore his clothes in bed last night because he was cold. It turns out he doesn't have any pajamas :eek: . So I suggested he buys some warm pajamas to wear at home.
He's got used to a warm modern flat and now he's in a cold draughty old house. He'll be be glad to go back to uni at this rate. But we literally cannot afford to put the heating on at the moment
.
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 MONTHS0 -
Have a lovely meal tonightI 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.0 -
HairyHandofDartmoor wrote: »DS3 is working in the kitchen as he says it's the warmest room in the house
. He said he wore his clothes in bed last night because he was cold. It turns out he doesn't have any pajamas :eek: . So I suggested he buys some warm pajamas to wear at home.
Two layers of fleece pjs and a hot water bottle and he'll be snug and warm! Oh, and socks.I think a bit of sunshine is good for frugal living. (Cranky40)
The sun's been out and I think I’m solar powered (Onebrokelady)
Fashion on the Ration 2025: Fabric 2, men's socks 3, Duvet 7.5, 2 t-shirts 10, men's socks 3, uniform top 0, hat 0, shoes 5 = 30.5/68
2024: Trainers 5, dress 7, slippers 5, 2 prs socks (gift) 2, 3 prs white socks 3, t-shirts x 2 10, 6 prs socks: mostly gifts 6, duvet set 7.5 = 45.5/68 coupons
20.5 coupons used in 2020. 62.5 used in 2021. 94.5 remaining as of 21/3/220 -
Can you give DS a hot water bottle? Or any spare blankets? I'm sure he understands. Mine are a lot smaller and understand to wear extra layers/socks/slippers etc.
Hope you had a lovely evening
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0
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