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Finally Debt Free After 34 Years, But Still Need to Live Frugally
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Thanks Sally I'll definitely ring then today.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 -
I'm up early as I've booked a hair cut for 9am. I'm going to spend £30 of my Christmas money on a hair cut
. I haven't had it trimmed since early July and it looks like a bush :eek:. I used to go to the hairdressing school for two years to save money, but they've closed now and they never really got my hair right. I had a 'proper' hair cut at a salon in early July and my hair looked amazing, so I've decided it's worth every penny. After all you wear your hair with every outfit.
I'm going to walk to the salon and then catch a bus into town. I want to drop off my signed placement form at the training provider and then post my last Christmas voucher, plus a card.
After that I want to potter around the shops and look for stocking filler presents for family who live locally :rudolf:.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 -
So glad you’re able to look for the little extras. EnjoyMortgage 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
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Morning HHD
I'm also off to the hairdressers. I actually like my hairdresser but I hate having my hair cut and coloured - I equate it with going to the dentist.
All this talk of hot water bottles made me smile. I have only been back for a day and already I have started to fill my suitcase - hot water bottle, spices, worcester sauce etc etc.
Then it's off to the petrol station swiftly followed by kwikfit. The sensors are showing low tyre pressure and there is a bulge in the tyre wall ( I knew this in September but had forgotten) I don't fancy driving in this weather with faulty tyres, it would be almost criminal.
Take care
PaulineDon't get it perfect - Get it goingBetter Than Before0 -
Enjoy your trip to the hairdressers HHOD followed shopping. So pleased for you that you can splash out a little and most importantly treat yourself. I’m with Pauline on the hairdresser front (ever since Vidal Sassoon almost scalped me back in the days I had more credit cards than sense). I grew mine and just trim the ends myself - must have saved me thousands over the years. Having my feet done is my occasional guilty pleasure but I justify the cost as a health benefit!
Sally xTilly Tidying andPADing in 2024 £250.62
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RIP Mum & Dad - thanks for helping me on my journey to be
Debt and Mortgage free from 20180 -
Good for you having your hair cut at a salon, HH:j. You really do deserve a treat and a good haircut once in a while is money very well spent. The result will make you feel better and lift your spirits:beer:
I don't know about you but my hair grows so quickly and soon loses the style that I was usually so pleased with after it had just been cut:(. I can't afford to get it done very often though and frequently feel really untidy. Plus, constantly having to fiddle with it myself to make it look anything like reasonable is a bind:(. Last time I had it cut I didn't let her cut it quite as short as usual and I've regretted it ever since because it looks a real mess now and I can't afford to go again for a few weeks. I asked her to leave it a bit longer as I was still recovering from being ill when my face went really thin and haggard. I misguidedly thought having a bit more hair might balance it out and I suppose it did bit but it began to be straggly again in no time:(0 -
Have a lovely day HH
x“Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”0 -
Have a good day. Definitely phone Tesco, they are usually pretty good."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 McGee0
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HairyHandofDartmoor wrote: »I'm up early as I've booked a hair cut for 9am. I'm going to spend £30 of my Christmas money on a hair cut
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Hope your hairdresser did the trick and you feel a million dollars ! Lovely, for once, to have a little treat.
I rarely visit hairdressers - mine is just below shoulder length and OH cuts it or one of the DDs as it's really easy. I just wet the ends and it takes people 5 mins - loathe spending vast sums for a hairdresser to do pretty well the same ! Still, having the same hair 'style' for decades makes me easy to recognise.
However, when both DDs got married, I warned them off cutting their husband's hair. I made what I now recognize as a mistake in being willing to do so (after all, I'd cut my brothers hair for several years). Sounds like a great way to save money, and it is, but it turns into a chore and now DH has so little hair, it's VERY difficult to do well, but he still won't go to a barber's. Why would he, when he has a 'willing' slave at home ?
Now I'm looking back, I used to shave my brother's legs as well for a time - he was really into cycle racing, and less hair meant less wind resistance - ah, the things we do for our loved ones !!0 -
I'm another who does her own haircuts, but mine is long so it's just a case of chopping the ends off and checking they look even. Goodness knows how much it's saved me as I gave up on hairdressers after a bad first (and only) perm when I was twelve! :rotfl:
I do DH's as well: bought a kit many years ago which has paid for itself many times over but I suppose I really ought to YouTube it and increase my skills (poor man).
All that said, I stopped colouring my hair a while ago and it's easier to keep in good condition now but grey hair needs a good cut to keep it looking fabulous, so I may not be doing myself a favour.
HH, I think it's a great idea to treat yourself to a proper cut which will last a while and be both a confidence booster and one less thing to have to think about. I hope you enjoy it as a bit of pampering!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
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