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

17927937957977981551

Comments

  • Onebrokelady
    Onebrokelady Posts: 7,936 Forumite
    Seventh Anniversary 1,000 Posts Name Dropper Photogenic
    It's miserable here in my corner too Hairy,I've just got back from my dog walk and I don think either of us enjoyed it much,I'm just having a coffee and some lunch then I've got to go back out and sort out the chickens ,after that im staying indoors
    Original Debt Owed Jan 18 = £17,630 Paid To Date = £6,736 Owed = £10,894
  • earthgirl wrote: »
    My local £1 shop sell epsom salts. Still trying to use up all my bubble bath, I just seem to have so much of it and no time to bath! (I shower obvs!)

    Your body will get used to the new regime soon I'm sure!

    Thanks Earthgirl that will be worth a look :).
    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
  • Good idea to skip Pilates tomorrow especially after your volunteering and job immediately afterwards. You may be feeling pretty tired by the time Pilates time comes round. Also, it will be nice to spend as much time with DS as you can, not just doing last-minute things to help him on his way but just to enjoy his presence.


    It's going to be pretty quiet in your house for the next few weeks with 2 sons away. Maybe you'll get a bit more relaxation time in ready for them both coming back in a few weeks time. Plus, you've that Mr Bump costume to make and the PPI claims to finalise;)


    I noticed on TV that the South West is experiencing the worst of Storm Freya (I think that's what the latest one's called). We had a really blustery night with things blowing about all over the place. OH got up twice during the night to see what he needed to secure but didn't stay out too long as it was raining and cold even for him:rotfl:. It's still dull and drizzly today but the wind has dropped. Our TV aerial attached to the chimney is at a very precarious angle but always has been so we just hope it stays put whenever there's a storm. With our other problems we don't want that to come crashing down:eek:

    Thanks Carboot :). It's wet, windy and unpleasant out but it doesn't seem too bad.

    It will be quiet without two DSs :( but as you say I have a costume to prepare, plus my next course assignment to do and we do need to follow up on some of the PPI stuff too,.

    I hope your tv ariel stays intact :eek:.
    It's miserable here in my corner too Hairy,I've just got back from my dog walk and I don think either of us enjoyed it much,I'm just having a coffee and some lunch then I've got to go back out and sort out the chickens ,after that im staying indoors

    I hope you don't blow away when you go out to do the chickens OBL :eek:. It's definitely a day to stay indoors!
    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: 96,697 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    earthgirl~~I dont have a bath(wetroom) & when people occassionally give me bubble bath I just use it as shower gel :)
    Havent worked out how to use a bath bomb yet though :think:
    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.
  • doingitanyway
    doingitanyway Posts: 10,385 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Mortgage-free Glee!
    The dreaded PPI. It is hard to drum up the enthusiasm to take a 'no' and push on to the Ombudsman. I am struggling with that myself. But we must do it HH and see it all the way through. If it is still no at least we took it all the way :)

    Wishing you a relaxing evening and all power to you for work tomorrow.
    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
  • The dreaded PPI. It is hard to drum up the enthusiasm to take a 'no' and push on to the Ombudsman. I am struggling with that myself. But we must do it HH and see it all the way through. If it is still no at least we took it all the way :)

    Wishing you a relaxing evening and all power to you for work tomorrow.
    Thanks DIA :). I do need to do some follow up on the PPI stuff but at the moment I feel like I've got too much other stuff on my plate!
    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
  • I felt so tired yesterday that we finished work early and I was falling asleep on the sofa. So I went to bed at 9pm and slept for ten hours :eek:. I felt much better when I woke up. But after doing my volunteering and my lunch time job I feel really tired again now.

    I'm not sure if I'm coming down with something or just exausted, but I can't be ill on my second week, so I need to rest when I'm not at work and then soldier on. I'm only doing an hour and a half tomorrow luckily, but we need to drop DS2 at the coach station before I go to work :(.


    I'll miss DS2 when he's gone :( but I know he wants to go and it's good for his confidence. I'll just be glad when he's safely home again :o.

    The weather is very changeable today! We had hail for about fifteen minutes :eek: so I read them a story in the classroom, but it's been sunny apart from that although very blustery.
    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
  • Sun_Addict
    Sun_Addict Posts: 24,413 Forumite
    Part of the Furniture 10,000 Posts Name Dropper Photogenic
    10 hours sleep :eek: you must've been tired. Hope you're not coming down with something as you fear. It might be that the change in routine has exhausted you and you'll get used to it after a few weeks.

    I think it's great that DS2 goes off travelling although I know you miss him.

    Weather is changeable here too, one minute sunny the next gloomy and extremely windy. Keep having to dash outside to retrieve blown over pots.
    I get knocked down but I get up again (Chumbawamba, Tubthumping)
  • I think it's partly because the job is tiring SA, I'm not used to being in charge of thirty children all alone :eek: but I will get used to it :). Maybe I am fighting an infection too, it's difficult to know. But I'm determined not to be off sick as I want to make a good impression.

    It must be windy everywhere today :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
  • teafor2
    teafor2 Posts: 3,322 Forumite
    Part of the Furniture 1,000 Posts Name Dropper
    It's an exhausting job HHD, I did it a few times when there were staff shortages. Obviously, in a classroom it's a more disciplined setting, but lunch is their social time, falling out time and accident time :rotfl: and you need eyes in the back of your head to keep on top of everything that's going on. xx
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
  • 352.1K Banking & Borrowing
  • 253.6K Reduce Debt & Boost Income
  • 454.2K Spending & Discounts
  • 245.2K Work, Benefits & Business
  • 600.8K Mortgages, Homes & Bills
  • 177.5K Life & Family
  • 259K 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.