We’d like to remind Forumites to please avoid political debate on the Forum.

This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.

📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!

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

16916926946966971551

Comments

  • beanielou
    beanielou Posts: 96,888 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Oh my goodness, I am so so glad I am on my own & only have to worry about myself!!
    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.
  • I'm glad it's just me too. Little one gets fed in childcare so I just put something together for myself. x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Well cooking for four is harder, but I don't get complaints very often :).
    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: 10,481 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    It must be hard when you are on a tight food budget and you have to change the meal plans because of the cooker. I hope you find a solution soon HH. Better still, I am crossing my fingers for a good PPI payout so you can buy a new cooker :)

    Sleep well 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 350/1000
    Buffer fund 100/100
    Debt Free (again) 25/07/2025
  • Thanks DIA :). Yes I have loads of oven chips, etc in the freezer which are useless to me at the moment.

    I'm hoping the concoction I'm cooking now with pasta, chick peas, bolognese sauce and broccoli doesn't taste too horrendous :eek:.
    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: 96,888 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    concoction sounds lush :)
    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.
  • beanielou wrote: »
    concoction sounds lush :)

    It was surprisingly tasty Beanie and DH said he would happily eat it again :T. DS1 wasn't keen on the bolognese sauce but I can easily buy a different sauce next time. It was very easy to cook too, I just chucked the pasta in a saucepan to boil and chucked everything else in the wok to simmer :).
    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: 96,888 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Great result too on it being easy to cook :j :j
    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.
  • Yes I was pleased because now I can do it again. There are lots of variations I can do too by adding different vegetables or using quorn mince instead of the chickpeas :).
    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
  • daisy_1571
    daisy_1571 Posts: 2,360 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Combo Breaker
    I don't think we'll ever get our kitchen done:(. As you know, OH doesn't like spending any money. He hardly spends any time in the kitchen, just passes through it or makes the occasional cup of tea or coffee. I don't think he ever looks round and sees the state it's in. While ever he's getting a good meal every evening I don't think he has a clue what a pain it is sometimes to prepare it. It just 'magically appears in front of him:rotfl:. A lot of it's my fault as I love a challenge and being able to cook pretty much the same as we had before but with limited facilities was almost fun at first. Now the novelty's worn off big time and I've come to dread making our evening meals 7 days a week:o

    I've caught up and see others thought along the same lines. When I read this I thought "you have answered your own question there cbc". I also agree it doesn't have to be a fight but from the wee bits you've said it sounds like he is quick to overreact and from the idea that he can only tell you hes keeping it all for care homes rather than anything else, when exactly is he planning on moving in to one and getting his moneys worth? I would imagine hes much more likely to resent the cost and stay in his own home as long as poss.

    I'm also glad you mentioned how like your mum he is. I spotted that when you were talking about your mum and her difficulties.

    I think you could definitely tail off on the 'same as before' and have a lot more simple meals. You wont starve on soup and bread, beans on toast, for a few weeks and if he wants a wee treat a cup-a-soup. Any complaints tell him your saving him electricity. Unless that would backfire.

    I hope I'm not out of line here but I hope you have an emergency getting away fund cos one day you might just get sick of this life? I agree about thrifty but the palaver with the bathroom seemed excessive. I know a man similar to your oh and can understand how time drags on with these types. I'm afraid the wife in that couple now circumvents him. He used to have rages and she was scared to do anything as he would overreact and chuck her stuff out etc but he was a bit older than her and age has somewhat withered his physical strength now plus she has confidence in herself now and wont stand for such nonsense any more. You are meant to be a partnership not a dictatorship.

    Anyway I'm off me high horse now, carry on everyone :o

    Daisy
    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'
Meet your Ambassadors

🚀 Getting Started

Hi new member!

Our Getting Started Guide will help you get the most out of the Forum

Categories

  • All Categories
  • 352.4K Banking & Borrowing
  • 253.7K Reduce Debt & Boost Income
  • 454.4K Spending & Discounts
  • 245.4K Work, Benefits & Business
  • 601.2K Mortgages, Homes & Bills
  • 177.6K Life & Family
  • 259.3K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16K Discuss & Feedback
  • 37.7K Read-Only Boards

Is this how you want to be seen?

We see you are using a default avatar. It takes only a few seconds to pick a picture.