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Finally Debt Free After 34 Years, But Still Need to Live Frugally
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Thank you Nicnak
. I wanted to get the Christmas stuff while it was cheap, so it's less expensive next year. 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 -
HairyHandofDartmoor wrote: »Thank you Nicnak. I wanted to get the Christmas stuff while it was cheap, so it's less expensive next year.
I always do the same. Wrapping paper, tags and Christmas cards. I usually end up saving around £50. I also buy reduced presents for birthdays throughout the year.. xSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x0 -
I don't get reduced presents during the year but I should. Although I've made a good start with DS1's Xmas socks. 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 -
Happy new jeans 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.0 -
Elizabeth~~Sorry to read of your Aunt.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.0 -
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 -
Thanks for all your kind wishes. I have read up more on coma patients, who can surprisingly last quite a long time without input - anything from 3 days to a fortnight. Another visitor today gives the same report. I thought maybe my Aunt was waiting to see me, but perhaps she's waiting for the New Year - she's just wonderful !
Regarding all you amazing people who plan for next year - I have one small contribution. ie when I take my cards down I cut them into gift tags for next year.0 -
elizabethhull wrote: »Regarding all you amazing people who plan for next year - I have one small contribution. ie when I take my cards down I cut them into gift tags for next year.
Good idea on making gift tags. Thank you:T
For many years I've tried to support a local charity in a nearby town that sends Christmas shoeboxes full of small gifts, toiletries etc to deprived children and orphans abroad. It started off after there was all that TV coverage of the horrendous state of the Romanian orphanages and children's homes in Ceaușescu's regime, many children with special needs just tethered unattended all day to cold radiators and bed frames in filthy conditions. Heartbreaking. The people who volunteer at the charity support others too but for several months a year they are focused on their shoebox appeal. They reuse all the Christmas wrapping paper they can get and the fronts of Christmas cards too so I'm on a mission among family and friends every year to snaffle all their cast-offs.
The volunteers also make things to sell to raise funds and one of their ideas is making little packs of gift tags from the fronts of old Christmas cards. They sell well at their fundraising events.0 -
I'd never thought about turning cards into gift tags. What an amazing idea. xSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x0 -
When my dear mil was in her final 2 days we played her favourite CDs and talked to her about the old days when her boys were young, about her husband and her honeymoon and other holidays over the years including the ones we took with them. I know she could still hear us and it soothed her hearing about the happy times in her life.
Its difficult at the time but comforting to look back on
Dxxx22: 3🏅 4⭐ 23: 5🏅 6 ⭐ 24 1🏅 2⭐ 25 🏅 🥈⭐ Never save something for a special occasion. Every day is a special occasion. The diff between what you were yesterday and what you will be tomorrow is what you do today Well organised clutter is still clutter - Joshua Becker If you aren't already using something you won't start using it more by shoving it in a cupboard- AJMoney The barrier standing between you & what youre truly capable of isnt lack of info, ideas or techniques. The secret is 'do it'0
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