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

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Comments

  • I don't mind a bit of blathering from you Carboot and most of the blathering is definitely mine :).
    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
  • Hi lovely,

    Really glad that the course went well today and yay to having a month to do the assignment.

    Have a great afternoon xx
  • In more good news I've cashed out £30 from One Poll today :T. I was 10p short and they've given me 10p for nothing. It should hit my account in 28 days.

    I think I'll use it to treat myself to some clothes because the tax rebate will cover bills and I've had such an emotional and stressful time recently. I feel like I want to buy something to cheer me up. My blue jeans are too big for me and I got some smaller black jeans with my Xmas money, but I have blue tops that that I can't wear at the moment because they will only go with blue jeans. So when the money arrives I think I'll buy blue jeans :).

    Oh dear I've just spent ages justifying that so I must feel guilty about it :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
  • Hi lovely,

    Really glad that the course went well today and yay to having a month to do the assignment.

    Have a great afternoon xx

    Thanks Purplemum :). Yes I was pleased to have a whole month to do it. A lot of the people on the course have jobs or have children so it caters for that I guess.
    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
  • jwil
    jwil Posts: 22,403 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Great news about the tax refund, photos of your mum and the cash out :T :T

    Definitely treat yourself, you deserve it :)
    "Good financial planning is about not spending money on things that add no value to your life in order to have more money for the things that do". Eoin McGee
  • In more good news I've cashed out £30 from One Poll today :T. I was 10p short and they've given me 10p for nothing. It should hit my account in 28 days.

    I think I'll use it to treat myself to some clothes because the tax rebate will cover bills and I've had such an emotional and stressful time recently. I feel like I want to buy something to cheer me up. My blue jeans are too big for me and I got some smaller black jeans with my Xmas money, but I have blue tops that that I can't wear at the moment because they will only go with blue jeans. So when the money arrives I think I'll buy blue jeans :).

    Oh dear I've just spent ages justifying that so I must feel guilty about it :o.

    I think your reasons for wanting new blue jeans are perfectly justifiable:). You treat yourself so rarely and say you wear trousers/jeans most of the time (as do I). You need more than one pair and there's nothing worse than forever having to hitch up baggy trousers;). Anyway, think of it as saving on not having to buy more tops to go with the black ones as you already have all your other tops that you can wear with your new jeans. Sorry, that sounds like gobbledegook but I know what I mean:rotfl:


    I'm just thinking though that new jeans might mean more turning-up for you to do and I know how much you hate doing that particular task:rotfl:
  • beanielou
    beanielou Posts: 96,586 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Glad course went well :)

    Glad that you are going to buy 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.
  • jwil wrote: »
    Great news about the tax refund, photos of your mum and the cash out :T :T

    Definitely treat yourself, you deserve it :)
    Thanks Jwil :).
    I think your reasons for wanting new blue jeans are perfectly justifiable:). You treat yourself so rarely and say you wear trousers/jeans most of the time (as do I). You need more than one pair and there's nothing worse than forever having to hitch up baggy trousers;). Anyway, think of it as saving on not having to buy more tops to go with the black ones as you already have all your other tops that you can wear with your new jeans. Sorry, that sounds like gobbledegook but I know what I mean:rotfl:


    I'm just thinking though that new jeans might mean more turning-up for you to do and I know how much you hate doing that particular task:rotfl:
    I do understand Carboot :). I'll try on the short length because the regular was longer than I remembered so maybe they've changed the jean lengths. If short is too short then I'll have to do more taking up :eek:. It will mean I can wear four blue tops that I'm not wearing at the moment :).
    beanielou wrote: »
    Glad course went well :)

    Glad that you are going to buy new jeans :)

    Thanks Beanie :).
    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: 96,586 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Funny how wqe are all different.
    Mainly my jeans are blue but I do have a gray pair & a black pair & i would still wear blue tops with them :)
    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.
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 25 January 2019 at 6:03PM
    beanielou wrote: »
    Funny how wqe are all different.
    Mainly my jeans are blue but I do have a gray pair & a black pair & i would still wear blue tops with them :)

    I like to wear green, red, or pink tops with black jeans and blue tops with blue jeans, but that's just my personal preference I guess :). I suppose pale blue would look okay with black, but two of my tops are dark blue/navy which I think doesn't look right with the black jeans.
    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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