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

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Comments

  • Seasidegal58
    Seasidegal58 Posts: 6,137 Forumite
    Part of the Furniture 1,000 Posts Name Dropper Photogenic
    Congratulations on the feedback Hairy! You really sound like you have found your vocation - and how lovely to get paid as well!
    Finally Debt Free! - July 2016 🌟
    Finished Emergency Fund- £10,000 April 2017
    🌟
    RETIRED: MAY 2021!!!!😀🎆
    My diary: “Seasidegal's Scrimpy Retirement Diary!”
  • jwil wrote: »
    Great feedback :T :T
    Thanks Jwil :).
    Well done you! I love a nice little boost like that, makes things seem that much more worthwhile.

    Have a great day today xx
    Thanks Purplemum :). I agree with you.
    Congratulations on the feedback Hairy! You really sound like you have found your vocation - and how lovely to get paid as well!

    Thanks SSG I really feel like I have :).
    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 only had about six hours sleep last night, as despite feeling tired and a bit unwell, I couldn't get to sleep for ages :mad:. I had a lot on my mine, not bad stuff but just an overactive mind. I think I may be drinking too many cokes in the afternoon :o so I need to stop having caffeine after 4pm and see if that helps.

    However despite feeling tired and a bit rough this morning I enjoyed my tutorial which was on safeguarding and I enjoyed my job afterwards.

    I think I must have an affinity for chaos :rotfl: because even when I'm tired and a bit unwell I love working with the children. They can be maddening, unpredicable, whingy and emotional, but they're also hilarious, sweet, interesting and innocent :).

    I managed to buy a birthday card, wedding card and a book of first class stamps before I went in to my tutorial :T.

    It's my niece's wedding this weekend and most of the family are attending. We won't be there as it's in Scotland and we couldn't afford to go. Ironically we could afford to go now since having the PPI, but we had to rsvp in December and couldn't afford to go at that time. Not all the family are going, some due to work commitments and some more distant members weren't invited (it's a very small wedding).

    In a way I'm not sorry I'm missing it because the family has become so complicated at the moment and seeing people en masse means you don't get to talk to anyone properly anyway and it can feel a bit overwhelming if you're feeling emotional anyway :o. Plus it would cost hundreds of pounds and I'd rather keep the money in our emergency fund for real emergencies and peace of mind (something we haven't had for a long long time).
    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
  • teapot2
    teapot2 Posts: 3,595 Forumite
    Part of the Furniture 1,000 Posts Photogenic Name Dropper
    Hope cutting back on the cokes makes a difference and also you sleep better tonight. At least its the weekend :j:j Well done on the assignment and great that you get such speedy feedback too.
  • badmemory
    badmemory Posts: 10,064 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper
    Re your gas hob. If it has a "bayonet fitting" which is the more modern style, it is a simple unplug & re-plug job - no escaping gas. If your last one was fitted within the last 28 years at least (my sister's is 40 years old) then it will be a bayonet fitting - so easy peasy.
  • 24ta
    24ta Posts: 268 Forumite
    Part of the Furniture 100 Posts
    Congratulations on your positive feedback.
  • teapot2 wrote: »
    Hope cutting back on the cokes makes a difference and also you sleep better tonight. At least its the weekend :j:j Well done on the assignment and great that you get such speedy feedback too.

    Thanks TF2 :). I don't think anything could keep me awake tonight. It is good to get such quick feedback :).
    badmemory wrote: »
    Re your gas hob. If it has a "bayonet fitting" which is the more modern style, it is a simple unplug & re-plug job - no escaping gas. If your last one was fitted within the last 28 years at least (my sister's is 40 years old) then it will be a bayonet fitting - so easy peasy.

    Thanks Badmemory :). It's probably newer than 28 years, but no idea how old as it was here when we moved in.
    24ta wrote: »
    Congratulations on your positive feedback.

    Thanks 24a :).
    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
  • It's my birthday on Monday but I'll be at volunteering and work, so we're going to celebrate it tomorrow :). DH, DS1 and are going to a nearby town for the day and then DH and I are actually going out for dinner in the evening :).
    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
  • In PPI news RBS Adv@nta have rejected our complaint. They said the PPI was not missold as they said DH was employed when he took out the policy :(.

    We're not accepting this decision so on Tuesday we're going to escalate it to the ombudsman, along with our packaged bank accounts.

    That was the only one we had proof of as well :mad:.

    Oh well you win some and you lose some.
    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: 96,772 Ambassador
    Part of the Furniture 10,000 Posts Academoney Grad Mortgage-free Glee!
    It's my birthday on Monday but I'll be at volunteering and work, so we're going to celebrate it tomorrow :). DH, DS1 and are going to a nearby town for the day and then DH and I are actually going out for dinner in the evening :).

    Great to read :D
    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.
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