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Finally Debt Free After 34 Years, But Still Need to Live Frugally

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  • daisy_1571
    daisy_1571 Posts: 2,248 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    Lol CBC, we should all meet up one crisp autumn day and kick through the leaves together !!! Yip, some people just seem to keep a young outlook all their lives, some people seem born middle aged, some people remain childish (rather than childlike) and never seem to emotionally mature. Although you get outward disapproval perhaps there is a tiny sneaking admiration and a wish that he could be so carefree so you just carry on my dear !!!

    Dxx
    22: 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'
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 7 January 2019 at 3:39PM
    @Daisy @Elizabeth @Carboot You three are kindred spirits :rotfl:.

    I have to admit that I love swishing through big piles of autumn leaves, and love picking up acorns, conkers and lovely red and orange autumn leaves. When I was a child I always came home with my pockets full of moss, stones, odd shaped bits of metal etc. I actually had a moss collection as a child. My mum had the patience of a saint :rotfl:.
    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 MONTHS
  • It was good to see stepdad last night after two weeks. He cooked a nice meal and I was delighted that DS2 and DS3 came as well. We played Whist again after dinner which the DC seem to enjoy.

    This morning I met stepdad for coffee and then bought a birthday card for my nephew whose birthday is today, oops. I bought a stamp, put ten quid in the card and posted it, so he should get it tomorrow. I nearly went into Cl!ntons for the card but then decided that the cheapest card in there would be £3. So I went to the charity shop instead where they have nice birthday cards for 99p each. They had a sale on so I bought six nice cards for 49p each :money:.

    This afternoon I've put towels on to wash, then I want to change our bedding. Then this evening I have Pilates. Despite my good intentions I haven't done any Pilates for three weeks so I will probably be a mass of aches and pains after tonight :eek:.

    So my spends today are bus fare £2.40, six birthday cards £2.94, £10 in the birthday card, stamp 67p, and cheese and bananas £2.74. Then tonight I'll spend £5 at Pilates. I'd better stay at home tomorrow :o.
    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 MONTHS
  • doingitanyway
    doingitanyway Posts: 10,306 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Its great that you had a family day with your stepdad.
    I will copy you with cards and look in charity shops as I like to send cards but they are expensive as you say.
    Enjoy pilates tonight :)
    If you have built castles in the air, your work should not be lost; that is where they should be. Now put the foundations under them

    Emergency fund 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • Thanks DIA :). You can spend a fortune on cards before you've even got the present. I got my cards today in the British Heart Foundation shop where they have a nice selection for 99p each. Also it's nice to help a charity :).
    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 MONTHS
  • beanielou
    beanielou Posts: 96,490 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great bargain for the cards :)
    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.
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Sounds like you had a lovely time HH

    Hope you've had a good day

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • [Deleted User]
    [Deleted User] Posts: 0 Newbie
    edited 7 January 2019 at 8:01PM
    Great bargains with the cards:j. Excellent idea to buy them from a charity shop as everyone wins, you for saving money and the charity for making some:j


    Your spends don't seem too bad when you consider what a variety of things you bought (including 6 cards which would have cost most of your total spend on their own at a specialist card shop). You needed the present and food, plus the pilates is good for your social life and health. You can't help transport costs. Unfortunately its an unavoidable fact of life:(. I filled my car's petrol tank on New Year's Eve and was shocked that it cost £57.85:mad:. I was running low but not yet on the red light so I must have still had about a gallon in the tank. I've never known a full tank cost as much as that before. I've checked a petrol prices website and see that the petrol cost round here is pretty near the national average which amazed me as prices for most things in rural areas always seem to be more than anywhere else:(.


    Your Sunday evening with Stepdad sounds lovely:j. I always loved playing card games with my family although I don't recall ever playing whist. I know it isn't a card game but we played Monopoly a lot too. Sounds as if your youngest son is enjoying being back with his family. I bet he missed you like mad last term but probably didn't admit to it;)
  • Just had a PM from Badger awarding me my 10 year badge:j. I'm still not level with you yet, HH, as I haven't declared myself Debt Free. I know I am, sort of, well Debt Neutral as you cleverly put it, but until the last F&Fs are accepted and paid off I still in theory have debts:(


    I recently noticed beanielou's massive collection of badges. I'm in awe:eek:
  • beanielou wrote: »
    Great bargain for the cards :)

    Thanks :).
    Sounds like you had a lovely time HH

    Hope you've had a good day

    x

    Thanks :).
    Great bargains with the cards:j. Excellent idea to buy them from a charity shop as everyone wins, you for saving money and the charity for making some:j


    Your spends don't seem too bad when you consider what a variety of things you bought (including 6 cards which would have cost most of your total spend on their own at a specialist card shop). You needed the present and food, plus the pilates is good for your social life and health. You can't help transport costs. Unfortunately its an unavoidable fact of life:(. I filled my car's petrol tank on New Year's Eve and was shocked that it cost £57.85:mad:. I was running low but not yet on the red light so I must have still had about a gallon in the tank. I've never known a full tank cost as much as that before. I've checked a petrol prices website and see that the petrol cost round here is pretty near the national average which amazed me as prices for most things in rural areas always seem to be more than anywhere else:(.


    Your Sunday evening with Stepdad sounds lovely:j. I always loved playing card games with my family although I don't recall ever playing whist. I know it isn't a card game but we played Monopoly a lot too. Sounds as if your youngest son is enjoying being back with his family. I bet he missed you like mad last term but probably didn't admit to it;)

    Thanks :). Petrol is expensive :(.

    Whist can also be called Trumps. I think DS3 is enjoying being home, but he's also looking forward to going back to uni.
    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 MONTHS
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