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Finally Debt Free After 34 Years, But Still Need to Live Frugally
Comments
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Thanks Pauline. I like to be in control of my spending but sometimes I feel like I can't control it due to other people or unexpected events
.
It's probably colder where you live Pauline. It's usually quite mild here and we rarely get a frost. Although I needed an extra blanket on my bed last night.
Well done for not buying plants, I understand the temptation
I agree about buying less making me happy, I keep thinking that the money could go into savings instead
.
No updates on BIL yet this morning. Hopefully we'll hear something soon. DH is a bit grumpy and distracted at the moment, but I know he can't help it as he's worried about his brother
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 -
We were -1 degree yesterday (insert blue shivvery smilie!!). XxDebts @ LBM £23,729.31. Debts @ 08/04/2016 £0 :j
Best win so far - holiday to Florida0 -
Haven't heard much news about BIL today. I hope no news is good news.
DH's other brother has confirmed we can all stay at his house for three nights and he's booked a restaurant for Friday night, his treat
On the spending front £36 went to NPower for our weekly payment, £20 to top up my and DS3's phones for a month and £2 on milk. Then DH remembered he wanted to go to Poundland :eek: and spent £5 on chocolate and phone chargers :eek:.
The cheque got paid in and prescriptions collected. All in icy rain :eek:. We got a bit of work done too, although not as much as we would have liked, but no surveys. By the end of the afternoon it was sunny, weird.
Have a good evening everyone
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 -
please-let-me-be-lucky wrote: »We were -1 degree yesterday (insert blue shivvery smilie!!). Xx
I hope you've got some thermals Lucky
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 -
Hope your BIL is starting to recover from his op.
I know what you mean about wanting to be in control of money, I hate anything where money needs to be spent but you can’t plan how much.
How lovely of your DH’s other brother to treat you to a meal out, hopefully that means you can feel a little more relaxed about the money side of things now, as you really do have enough worries at the moment.
Reb0 -
Thanks Reb. Yes other brother is very generous (and well off) so I'm really pleased he's treating us on Friday night
. That's one night we don't have to worry about.
I just find that we always spend a lot more than planned when we go away
. Partly because all the family are more well off than us and DH is too embarassed to say we can't afford to do things :mad:. It stresses me out no end. But things got so bad last Easter even he had to swallow his pride a bit and admit to family we were skint
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 -
Nowt wrong in admitting you are skint.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 -
I agree beanie, but DH is quite proud and admitting we're skint makes him feel like a bad provider. I think he's a bit old fashioned. I think that providing should be a joint responsibility not his alone.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: »I agree beanie, but DH is quite proud and admitting we're skint makes him feel like a bad provider. I think he's a bit old fashioned. I think that providing should be a joint responsibility not his alone.
Agree it should be a joint responsibility.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 -
Glad the meal is sorted, so it is less of a worry for you xxSeptember 2017 Debt = £25330
Starting afresh.
You can do anything if you put your mind to it. x0
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