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

17637647667687691551

Comments

  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 16 February 2019 at 4:32PM
    I enjoyed my Saturday saunter. I met stepdad for coffee at Costalot and then wandered around the charity shops.

    A dvd of 'It's A Wonderful Life' caught my eye. It included the colour and black and white versions of the film, plus a free poster and postcards for 99p. I thought that was a bit of a bargain :money:. Then I spotted two more dvds; 'Peter Pan' (Disney Classic) and 'Sleuth' with Michael Caine for 99p each. So I bought those too.

    Then in D3benh@ms I saw three lovely mugs for half price or less and I asked for a further discount on one as it had a miniscule chip so I got another 10% off that one. Well if you don't ask you don't get ;) :money:.

    So a bit of frittering but it could have been worse :o. £2.97 on the three dvds and £9 on the three mugs. DH wanted parcel tape, silver tape and sellotape, so £3 spent on those.

    I spent a bit in Mr T too because I wanted bananas and margarine, DH wanted bagels, spinach and crisps and DS1 wanted chocolate and paracetamols. So £6.26 spent there.

    Stepdad paid for coffee and I spent £2.40 on the bus. So a slightly spendy day but it could have been worse, and I love the mugs and dvds :).
    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
  • Hardly breaking the bank and celebrating your job was very well deserved and needed.

    How is it going with step dad? x
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Thanks Nicnak :). It's going okay with stepdad (as long as he doesn't compare his new lady with my mum). I want to keep the relationship going. He seems genuinely pleased about my new job.

    We're all going out for a family walk tomorrow so that should be interesting :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
  • Fingers crossed it goes well. xx
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
  • Sun_Addict
    Sun_Addict Posts: 24,377 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Sounds like a very productive Saturday saunter there :)
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • Nicnak wrote: »
    Fingers crossed it goes well. xx
    Thanks Nicnak :).
    Sun_Addict wrote: »
    Sounds like a very productive Saturday saunter there :)

    Thanks SA :).
    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: 96,615 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Hope the family walk goes well.
    I would have very mixed feelings.
    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.
  • Oh well done and congrats on the job Hairy!:j. As others have said this could open a whole new world for you. I know a future TA post has been memtioned but do you think full teacher training would be a possibility - perhaps with primary school children as you get on with them so well? I have never worked in the education sector so know nothing on how employment here works but you have a degree from uni so you seem eminently qualified if you want to go for it.

    And pleased to hear you treated yourself today. :j

    You're bound to feel rather emotional on the family walk tomorrow. But I hope all goes well.
    X
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • beanielou wrote: »
    Hope the family walk goes well.
    I would have very mixed feelings.
    Thanks Beanie :). I didn't really want to go, but if I didn't go I'd miss seeing my little nephews who I hardly ever see.
    Oh well done and congrats on the job Hairy!:j. As others have said this could open a whole new world for you. I know a future TA post has been memtioned but do you think full teacher training would be a possibility - perhaps with primary school children as you get on with them so well? I have never worked in the education sector so know nothing on how employment here works but you have a degree from uni so you seem eminently qualified if you want to go for it.

    And pleased to hear you treated yourself today. :j

    You're bound to feel rather emotional on the family walk tomorrow. But I hope all goes well.
    X

    Thanks SSG I am very pleased :).

    Teaching would be better paid, but I'd have to do my GCSE maths and then do a one year full time PGCE course and I'm going to be 55 next month. I feel like I'm running out of time. Also teaching would be more stressful and longer working hours. So I think TA would be a good option and still play to my strengths :).
    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
  • Thanks Beanie :). I didn't really want to go, but if I didn't go I'd miss seeing my little nephews who I hardly ever see.

    .

    Hope the walk goes smoothly - I'll keep my fingers crossed for pleasant weather.

    I had such an exciting thing happen today regarding DGS. When told by his Mum (DD2) to say goodbye, he ran back in the house for a kiss and hug - first time ever !!! You can't imagine how thrilled I was.
    It sounds such a little thing, but although I always put him in his car-seat and kiss him goodbye, he's NEVER run to me before. I really felt all warm inside.

    So, yes, going on the walk will be worth it to see your nephews - they grow up so quickly, you'll never regret the time you set aside to spend with them.
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
  • 352K Banking & Borrowing
  • 253.5K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.1K Work, Benefits & Business
  • 600.7K Mortgages, Homes & Bills
  • 177.4K Life & Family
  • 258.8K Travel & Transport
  • 1.5M Hobbies & Leisure
  • 16.2K Discuss & Feedback
  • 37.6K 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.