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Finally Debt Free After 34 Years, But Still Need to Live Frugally
Comments
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A belated Happy New Year Hairy to you and your family!
I agree with doingitanyway that you have coped extremely well this Christmas and New Year under the circumstances. Your mum will always be in your thoughts at this time but it won't be so raw in the years to come and you can remember your happy memories of her.
I do hope 2019 proves a turning point financially for you and OH this year. Hopefully there will be some jobs in the post and you have your training course to look forward to. Keep up with your routines as well!
SSG xFinally Debt Free! - July 2016 🌟
Finished Emergency Fund- £10,000 April 2017
🌟
RETIRED: MAY 2021!!!!😀🎆
My diary: “Seasidegal's Scrimpy Retirement Diary!”0 -
Well done on getting your Xmas decorations out away for another year,I also think you cooed remarkably well with Christmas and new year,hopefully next year will be a little easierOriginal Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,8940
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Seasidegal58 wrote: »A belated Happy New Year Hairy to you and your family!
I agree with doingitanyway that you have coped extremely well this Christmas and New Year under the circumstances. Your mum will always be in your thoughts at this time but it won't be so raw in the years to come and you can remember your happy memories of her.
I do hope 2019 proves a turning point financially for you and OH this year. Hopefully there will be some jobs in the post and you have your training course to look forward to. Keep up with your routines as well!
SSG xOnebrokelady wrote: »Well done on getting your Xmas decorations out away for another year,I also think you cooed remarkably well with Christmas and new year,hopefully next year will be a little easier
Thank you both. It hasn't been easy but maybe next year it won't be so hard.
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 Year, HH !
I often keep my decorations up till Candlemas. My excuse is that it's pre 12th Night traditions, but actually it's a combination of idleness and not wanting to take them down because they look pretty.0 -
elizabethhull wrote: »Happy New Year, HH !
I often keep my decorations up till Candlemas. My excuse is that it's pre 12th Night traditions, but actually it's a combination of idleness and not wanting to take them down because they look pretty.
I think taking them down is so much more of a chore than putting them up:(. At least when they go up there's the promise and expectation of a good time ahead which adds a bit of excitement to the whole process. Once down the house looks duller and reminds us of the dark winter days that lie ahead. It's a long time to the next major 'holiday':(.
When I was growing up my Dad used to put the decorations up. He really enjoyed it and had a great flair for it. He usually did the whole lot in an evening when my brother and I had gone to bed. He probably was at it until very late. I always loved waking up the day it was all finished to discover the house looking magical:j. He wasn't so keen to take them down though! It was a chore assigned to my brother and I once we were old enough:(0 -
HairyHandofDartmoor wrote: »Thank you both
. It hasn't been easy but maybe next year it won't be so hard.
I agree with everyone else, HH:T. You've done so well to make this Christmas special for your DH and sons despite all the emotions you were going through. I'm full of admiration:A0 -
elizabethhull wrote: »Happy New Year, HH !
I often keep my decorations up till Candlemas. My excuse is that it's pre 12th Night traditions, but actually it's a combination of idleness and not wanting to take them down because they look pretty.
When is Candlemass Elizabeth? I do sometimes feel tempted to leave up the fairy lights, but then I think of my electricity bill :eek:.carbootcrazy wrote: »I think taking them down is so much more of a chore than putting them up:(. At least when they go up there's the promise and expectation of a good time ahead which adds a bit of excitement to the whole process. Once down the house looks duller and reminds us of the dark winter days that lie ahead. It's a long time to the next major 'holiday':(.
When I was growing up my Dad used to put the decorations up. He really enjoyed it and had a great flair for it. He usually did the whole lot in an evening when my brother and I had gone to bed. He probably was at it until very late. I always loved waking up the day it was all finished to discover the house looking magical:j. He wasn't so keen to take them down though! It was a chore assigned to my brother and I once we were old enough:(
That sounds lovely waking up and seeing the house transformed. Taking them down is quicker but does make the house look a bit bare.
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 -
carbootcrazy wrote: »I agree with everyone else, HH:T. You've done so well to make this Christmas special for your DH and sons despite all the emotions you were going through. I'm full of admiration:A
Thank you Carboot.
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 -
Enjoy your Saturday:beer:
It's so gloomy and really cold here but no ice on the car windscreen, unlike yesterday morning when I had go out early and had a lot of scraping to do:eek:. I hope it's warmer and brighter where you are.0 -
HairyHandofDartmoor wrote: »When is Candlemass Elizabeth? I do sometimes feel tempted to leave up the fairy lights, but then I think of my electricity bill :eek:.
That sounds lovely waking up and seeing the house transformed. Taking them down is quicker but does make the house look a bit bare.
I keep fairy lights up all year round, I doubt they use any more electricity than a table lamp but their twinkly loveliness is nicer than a lamp imho. In fact it's two sets as I can never decide whether i like coloured or white better. They are round a built in bookcase and can be seen from the hall as I walk about the house as well as when we are in that room.
I also have two sets in my clinic for humans to look at (not sure the dogs really care :rotfl:) one that looks like berries and slowly morph thru colour changes, the other white.
As you can see I love fairy lights beyond all reason :smileyhea22: 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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