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

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Comments

  • I totally agree with this, You have a lot to be proud of HH :T:T

    Another one here agreeing with this 100%:beer:
  • I totally agree with this, You have a lot to be proud of HH :T:T
    Another one here agreeing with this 100%:beer:


    Thank you Elizabeth and Carboot :). Hopefully I'll get through my probationary period :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
  • HairyHandofDartmoor
    HairyHandofDartmoor Posts: 13,960 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    edited 2 March 2019 at 5:12PM
    I didn't meet stepdad for coffee today as he was busy. But aunt and uncle messaged after I arrived in town to say they were on their way in and would I still be there when they arrived. So I suggested we meet up for coffee. We chatted over coffee and scones for nearly two hours which was nice and Uncle insisted on paying :naughty:. DH and I must insist that we pay next time we see them. They've been being very kind to me since my mum died.

    I managed to find some black jeans in the sale which I can use for work when I'm doing my paid job only (I think black jeans look smarter than blue ones). I also found a couple of tops in the sale that will be useful for work. I've spend my first week's wages now so I feel a bit guilty :o, but now I'm going in every day I'll need more clothes. I should be able to use the rest of my wages for bills and savings from now on :).

    Then I bought some more echinaceas tablets and some sun block for my face (needed as I'll be outdoors for an hour every lunchtime as I burn very easily :eek:). After that I got bananas, tomatoes, bagels and rich tea biscuits for DH in Mr T which came to about £6 I think.

    It's been a slightly spendy day today so I must reign it back in from now on :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
  • doingitanyway
    doingitanyway Posts: 10,391 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    Great you found some jeans. I agree black jeans look smarter.

    I'm glad you had a coffee treat with your aunt and uncle.

    I don't think you were over-spendy, just a few treats and some necessary work spends :)
    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 3501000
    Buffer fund 0/100
    Debt Free (again) 25/072025
  • MrsLottie
    MrsLottie Posts: 128 Forumite
    You’ve earned being a bit spendy today HHO, but you haven’t really bought anything that you didn’t need have you ? I’m glad your first week at work has gone so well you sound much more cheerful, Theres nothing like being with little ones to take your mind off your worries is there ?
  • Great you found some jeans. I agree black jeans look smarter.

    I'm glad you had a coffee treat with your aunt and uncle.

    I don't think you were over-spendy, just a few treats and some necessary work spends :)

    Thank you DIA :).
    MrsLottie wrote: »
    You’ve earned being a bit spendy today HHO, but you haven’t really bought anything that you didn’t need have you ? I’m glad your first week at work has gone so well you sound much more cheerful, Theres nothing like being with little ones to take your mind off your worries is there ?

    Thank you MrsLottie :). It is hard to be miserable when you're with young children and the time just flies by :).
    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
  • Seasidegal58
    Seasidegal58 Posts: 6,137 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Hi Hairy! Finally caught up with you and I'm so pleased that everything is going so well for you workwise.

    I agree with the others in that I dont think you've frittered any money away. You will need some work clothes now so the spends went on what is needed.

    And glad you enjoyed the hours spent with your family today. :)
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • Thank you SSG :). I'm actually looking forward to going in to work on Monday but I am taking the opportunity to have a rest this weekend :).
    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: 96,709 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    Happy 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.
  • Sun_Addict
    Sun_Addict Posts: 24,422 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    Don't feel guilty, you need work clothes and it's not as if you've gone mad and bought a whole new wardrobe. I've got a few pairs of coloured jeans, including black, which do look smarter I agree.

    So pleased you're enjoying your job :j

    For some reason this reminded me of when I got my first ever pay packet at the age of 16 - I spent most of it on records at the local record shop, I was their best customer, I was in there every week on payday :)
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
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