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

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  • I hope you're having a good day, HH. The sun is shining here and the daffodils in our garden are a lot further on than they were this time last year. I expect the daffodils are in full bloom in your area but they are always late here.

    The visit to stay with my friend next week has been postponed for reasons which I've written about in my own diary. I'm quite relieved actually as I just don't feel like going away with a clear mind at the moment. We'll reschedule for the summer and at least I'll have something to look forward to and get more organised for.


    I managed to find some clothes to take this time without having to raid the charity shops. I could barely spare the time to go and visit them anyway. I'd already freshened everything up ready to pack before we agreed to postponing the visit. My main concern was some sort of coat as I only have one smart coat and it's that lovely black one with the fur collar that I bought for £14 in a charity shop for my Brother's funeral last March. It is a lovely coat but too thick and warm for the current milder weather. Problem over now though as I can just rely on my usual wardrobe when I go anywhere locally here. I don't dress to impress:rotfl:. So long as whatever I wear is clean and tidy I'm happy.

    Thanks Carboot :). You're right that our daffodils are flowering in their droves here and making a lovely display. There should be lovely spring flowers at the NT place this afternoon :).

    Sorry your visit has been postponed but as you say it will give you longer to prepare. You won't need a coat if you go in the summer, except possibly a rain coat if you're unlucky with the weather :eek:. Clean and tidy is always good :).

    You'll be at home to supervise the electrical works now :T.
    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
  • My tutorial was interesting this morning as it was on child development. I've brought up three children and read various books on child raising that were popular at the time, but I've never studied it for a course so I'm enjoying learning about it :). The tutor said my assignment was lovely :A :). She's booked a school visit to assess me already :eek: :eek: :eek:.

    My tutorial finished half an hour early but DH's meeting over ran, so we probably won't get out before 2pm. His meetings always over run, it's because he likes talking ;).

    I hope everyone is enjoying the lovely Spring sunshine (assuming that you've all got Spring sunshine) :).
    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: 96,707 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Well done HHD :)
    How exciting that your school visit is on the horizen :)
    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.
  • Thanks Beanie :). I'm not sure exciting is the word I'd use to describe the school visit :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
  • My tutorial was interesting this morning as it was on child development. I've brought up three children and read various books on child raising that were popular at the time, but I've never studied it for a course so I'm enjoying learning about it :). The tutor said my assignment was lovely :A :). She's booked a school visit to assess me already :eek: :eek: :eek:.

    My tutorial finished half an hour early but DH's meeting over ran, so we probably won't get out before 2pm. His meetings always over run, it's because he likes talking ;).

    I hope everyone is enjoying the lovely Spring sunshine (assuming that you've all got Spring sunshine) :).


    Well done you on your assignment and your imminent school visit! :jAnd how lovely that you are actually really enjoying your coursework too!


    It's nice and sunny in London at the moment - hope it stays fine at your end as well!
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Well done on the assignment and your tutor must be confident in you or she wouldn't have booked the visit already :)

    Yay to your DS and his travelling, he's definitely building up nice memories for the future.

    Nice Spring sunshine over here on site
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    Well done on the assignment HHD. All the hard work you put in obviously paid off. :T

    Good on your DS for travelling while he can and also adding a cheeky extra week onto his original plans here and there :D

    Lovely and sunny here today and all the windows have been opened again. Love being able to do that. xx
  • WannabeFree
    WannabeFree Posts: 4,438 Forumite
    1,000 Posts Fourth Anniversary Name Dropper Photogenic
    Hope you have a lovely weekend HH

    x
    “Once you hit rock bottom, that's where you perfectly stand; That's your chance of restarting, but restarting the way.”
  • Sorry I haven't been posting on your diary much recently, HH:o. RL has been a bit hectic and not in a nice way:(

    Just wanted to send my warm congratulations on your excellently-received assignment and the impending school visit by your tutor:beer:. Great signs for your eventual success in completing the course and finding a really super TA job. All very well deserved as you've taken it all really seriously and put the hours in:A


    I hope you have a lovely Saturday Saunter and an enjoyable (in the circumstances:eek:) meet-up with Stepdad. It's really misty here at the moment but nice weather is forecast for later:j. I hope the sun will shine on whatever you and your family are doing this weekend:beer:. Now, gatta dash as the table Top Sale beckons.
  • Enjoy your Saturday saunter xx
    September 2017 Debt = £25330

    Starting afresh.

    You can do anything if you put your mind to it. x
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