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Finally Debt Free After 34 Years, But Still Need to Live Frugally
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Hope you enjoyed your meal today with your stepdad HH. The first year without your mum will be sad but it will get easier. I still get choked up thinking about my Dad and all he missed but that is how our loved ones live on. In our memories and hearts. Better than them not being missed at all.I’m a Forum Ambassador and I support the Forum Team on the Debt free Wannabe, Budgeting and Banking and Savings and Investment boards. If you need any help on these boards, do let me know. Please note that Ambassadors are not moderators. Any posts 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 and not the official line of MoneySavingExpert.
The 365 Day 1p Challenge 2025 #1 £667.95/£391.55
Save £12k in 2025 #1 £12000/£120000 -
cheap cereal for my ever hungry son. it does require vast quantities of milk!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
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WannabeFree wrote: »Hope you have a lovely time today HH
x
Thanks Wannabe.
Onebrokelady wrote: »I'm so glad I didn't have sons, there is now way I could afford it😂 daughters don't eat half as much 😂
:rotfl:in_need_of_direction wrote: »cheap cereal for my ever hungry son. it does require vast quantities of milk!
DS3 doesn't like cereal :mad:.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 -
daisy_1571 wrote: »That would seem to me to be the finest epitaph anyone could hope to attain. I hope somebody will say that about me after I'm gone (substituting some sort of feminine noun of course:) my days of being mistaken for a boy are long gone :rotfl:!!).
Dxxenthusiasticsaver wrote: »Hope you enjoyed your meal today with your stepdad HH. The first year without your mum will be sad but it will get easier. I still get choked up thinking about my Dad and all he missed but that is how our loved ones live on. In our memories and hearts. Better than them not being missed at all.
Thanks. My mum will always be missed by so many people.
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 -
Yes HH it will just be DH and I for Christmas lunch but I am doing the full works in respect for our late parents. We don’t have DC (out of choice) but our two spoilt Burmese cats will enjoy some chicken no doubt. It will be a day of celebration not least for the hope a new year brings. I’m actually looking forward to breaking open my annual treat - a box of York Fruits!Tilly 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 -
That sounds really nice Sally
. I hope you (and the cats) have a lovely time.
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 -
Mr SA and DD are having chicken too on Christmas Day they don't like turkey. We have been known to have curry
I'm making a vegan lentil roast for me (Deliciously Ella recipe).
It's only natural you'll have a tinge of sadness this year, the first Christmas without someone is always hard - take care xxI get knocked down but I get up again (Chumbawamba, Tubthumping)0 -
Sun_Addict wrote: »Mr SA and DD are having chicken too on Christmas Day they don't like turkey. We have been known to have curry
I'm making a vegan lentil roast for me (Deliciously Ella recipe).
It's only natural you'll have a tinge of sadness this year, the first Christmas without someone is always hard - take care xx
Thanks SA. The vegan lentil roast sounds good.
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 -
Christmas lunch at stepdad's house went well. He cooked a lovely meal, but it didn't feel very Christmassy as he couldn't face putting any decorations up. It felt strange without my mum, so I felt a little sombre. But it was nice to be with family and nice of stepdad to go to all that trouble.
Then I went out with my friends later to an Indian restaurant. We shared two rices between the four of us and I had a vegetable side dish. Then I had coke with the meal and a cup of tea after. My portion of the bill was £13.75 and I gave £15 to include a small tip, so not too bad. Then I paid £3 towards the taxi home. So the whole night cost me £18 including the tip. It still sounds like a lot of money to me
but one of my friends paid £35 for her meal :eek: compared to my £15 as she ordered a lot more.
I feel really tired now after all the unacustomed socialising, so I'm off to bed.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 feel wide awake
. All the socialising has overstimulated my brain
. Plus the rapid approach of Christmas is unsettling me.
I need a long walk in the fresh air tomorrow. Most of today I've been sitting down and talking.
The laundry basket seems to have filled up overnight, so I've sorted some out and put it in the machine, ready to wash in the morning.
I'm going to do my usual Saturday ramble tomorrow morning and pick up a few bits in Mr T that we've forgotten. I expect I'll be glad to come home away from the crowds 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 MONTHS0
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